If your claim gets denied in general, not only pet insurance, other products from stores to online purchases,ask to speak with a supervisor or a manager. In my case our dog Sandy fell and tore her ACL. I spoke with Darcy a great supervisor and with my persistence my claim was settled,I am talking couple thousand dollars. Embrace with the help of Darcy i give them an A+ and i got 3 friends to join Embrace. Thank You so much Darcy..