I got my Pit mix puppy November 3, I took him to the vet November 4. He was a rescue. He was pretty sick and had skin issues. I'm JUST finding out that his skin issues ARE not covered because it had not been a year since he was treated for it last. I'm pissed because I got the coverage because I know Pits have skin issues. I thought I explained this to the rep when I purchased it. I'm waiting to hear back after they've listened to the call to see if it was her error. I'm sure it's explained, but I either didn't understand or read it carefully enough. Just be CAREFUL read it carefully, the terms and conditions. It's stating it's a chronic issue because it's all dermatalogical. Flaky skin and hot spots are the same thing according to Embrace. Their Wellness is excellent. Just ask 1000 questions!! BE AWARE! The wording is tricky! I may owe them an apology, but I still feel duped. I'm tempted to cancel. I had recommended them to A LOT of folks! SMH.