They are using circular, junk-science logic to deny a $6,638 diagnostic claim for my cat’s bone-eroding pathology 。They claim a common runny nose from Feb 2025 is the same as 2026 Erosive Rhinitis。Their logic? Since I didn't perform a $6,000 CT scan for a minor sneeze a year ago, they can "assume" any future issue is pre-existing。This is an impossible standard of care.Even when a DACVIM Specialist clarified that the conditions are unrelated and the previous infection was never proven, Embrace refused to overturn the denial 。They are overriding a specialist’s medical diagnosis with their adjusters' speculation. Formal complaint filed with the California Department of Insurance.
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