I have three cats they are all on embrace. So far it has been one thing after another with the preexisting claims. My cat went in for vomiting. They say it preexisting because it doctors notes she was vomiting before. i think that is BS because its like when you catch a virus or bacteria infection one year then catch it again its not preexisting it happens its symptom of something else. I understand if she had kidney failure or a heart condition. Another thing my cat is 13 and is not covered for illness she could live another ten years why not cover her.