Again, paid all they could under a wellness claim stating I requested a snap test as part of her annual exam at an Emergency Clinic she was taken to on a Sunday afternoon for severve vomitting. The test was used as diagnostic. They offered to call the vet to verify I did not requested it as wellness, but then claimed the vet was out for a month. These people do everything they can to deny claims or pay them under wellness. Posted my frustration on FB, Laura's repsonse was I was saving $52 by pre-paying for my wellness policy....not if they pay emergency claims under wellness! Also had an attorney bash me on FB defending Embrace, though no fault of Embrace, not exactly good practice.