I signed up for Embrace a few months ago. My cat had an accident that caused lameness and laceration on his hind leg and I brought him to the vet. I submitted my claim to Embrace. They denied me coverage, stating that it was a related incident to a wound that my pet had had prior to my signing up for the policy. It is completely unrelated. I am so disappointed. What a waste of my money and time. Furthermore they took more than three weeks to come to this decision. Very bad customer service.