My pet Sunny, has been rejected for every claim i have filed this whole year! He had an arthritis problem which was not pre-existing and cost alot of money to get it diagnosed and in the end, Embrace said i had to first meet the $500 deductible, then a few other claims which also got rejected because they were considered "pre-existing". Lots of dogs have allergy problems but since it is "pre-existing" is not covered. The medications are expensive... Does the insurance only cover for emergencies only then?