We have had coverage on 2 dogs, with excellent service both times. While I'd like to see a bit more latitude with so-called "pre-existing" conditions, we have been very satisfied with the service and the level of claims awarded for all but one condition: in both cases, we adopted older spayed females; when they had indoor accidents, after having been in a shelter for some time, we suspected bladder infections, so we took them to the vet. Knowing the discomfort that can accompany a bladder infection, we didn't want to wait until the health insurance was in effect. In both cases, the problem turned out to be an incontinence issue--which is chronic and requires lifetime meds, rather than a bladder infection which is a one-time medication event. So in both cases, the medication is not covered. This seems unfair: I can't see waiting a month for insurance to take effect before taking an animal for treatment if it's in pain or if neglecting the condition can lead to something worse, such as a kidney infection. My understanding, however, is that all companies have the pre-existing condition issue, so Embrace is probably no worse on that score. Other than that, we've been very satisfied.