I am furious with this insurance. Fool me once shame on you, fool me twice shame on me. I renewed my dog's policy after having nothing but issues with this insurance and now am still having nothing but issues. We had to bring my dog to the ER day after Thanksgiving. The bill was almost $500. The had to do Xrays, labs, etc. I submitted my claim to Embrace and the same day I get an email back that Bailey had maxed out her wellness rewards for the year so they will not be paying a good portion of the bill. The visit had NOTHING to do with wellness. When I called the ER the labtech said, ma'am, we don't do wellness visits here. I said yes I know. Every time I submit a claim to this insurance, even after calling to confirm information, they find a reason not to pay the claim. I am completely disgusted and outraged. We just got a new dog and I will absolutely NOT insure him with this company. They have been nothing but scams and headaches.