Embrace tried to tell me that I did not have a valid claim on my dog going to the vet for an upset stomach. They said because my dog had notes of vomiting on prior vet records, that "vomiting" was a "pre-existing condition" and thus, could not be covered for a period of 12 months!!! First of all, vomiting is a SYMPTOM, not a CONDITION. And my dog, as per all my vet documents, was never diagnosed with a "pre-existing condition" of any kind!!!! THIS IS HIGHWAY ROBBERY - TOTAL BS! I will tell every pet owner NEVER to get Embrace!!! I told my vet about their response to my claim for a $63 vet bill for his upset stomach, and my vet pulled all of the brochures from his office. HORRIBLE, AWFUL, DISGRACEFUL.