I am disappointed in Embrace. After signing up two 6 year old dogs and receiving their medical history review, I realized that one of my dogs has way too many policy exclusions to justify coverage. If you went to your vet to complain about ANYTHING-even if the doc only noted it and didn't diagnose your dog, it's pre-existing. Well, since I am in the 30-day "refund" (haha) period I requested a cancellation and refund for only 1 dog. They said they'd give me only a "prorated" amount of 5 bucks because I am not cancelling the whole policy. This is specified NOWHERE in their 30-day refund details. I've only been with them for 23 days and I already don't trust them.