I took the Embrace policy out when we adopted our greyhound based on generally good reviews. It seemed okay until we adopted our second dog, a mixed breed. Both dogs are young and full of energy and like to play fight(as all my dogs over the years have done). During one of these playful moments, the greyhound got a bit carried away and accidentally bit the mixed breed. It was a small wound, nothing terribly serious, but my wife took the mixed breed to the vet to get some antibiotics and one stitch. Embrace declined the claim based a pre-existing condition of aggression on the mixed breed because the vet used a muzzle to take blood at some point in the past. First of all, it was the Greyhound that bit the mixed breed, not the other way around. Second of all, in addition to the greyhound, the mixed breed lives with two cats and two kids. There is no way we could have an aggressive dog in our house. Clearly this was Embrace's tactic to get out of the claim. When challenged about it, they told me to fill out MORE paperwork for an appeal. That's when I canceled the policy.