Today I received two emails from Embrace. One saying that they are happy to have reviewed my appeal on my dog and they are going to pay me the $168.00 claim. The other email was to inform me that after reviewing the same appeal the are sorry but they can not over turn there decision to declines $16,500.00 claim since Underwritting does not believe my Vet's professional opinion is proof enough that my dogs diabetes is NOT from a prior diagnosis of pancreatitis. They put my pets well being first but not in this case. They have paid out claims before regarding this but not anymore. So should I let my pet die next time I need to go to the ER? Or will they denye gain. I waiting to hear back on this for the THIRD time. Sjame on Embrace.