I am a new customer with a rescue kitty. I did my homework researching insurance companies and it seemed that Embrace was the only one that went into effect in 24 hrs. after signing up(for Wellness coverage only). But I signed up with the understanding that everything was covered immediately. It was only until after I submitted my claims that I understood that pre-existing conditions(earmites/fleas) and injury(infection related to the spaying) were not covered. This was not made clear to me on the phone or from reading the brochure. Although everyone I've been in contact with has been very nice and helpful, I feel I did not get the correct information initially. You have to be able to ask the right questions! I have a very young kitty who is mostly an indoor pet so I'm not sure if this is the right insurance for us. We'll see how the next few claims go.