Embrace is the absolute worst pet insurance. Maybe this is how all pet insurance companies are, and wish I had used someone different. Nothing is covered and everything is "pre existing" or the deductible is never met ($150 which is low). I wish I would have known or been told to take my dog in (first visit) as a "screening or physical". My dog is healthy and my vets exact words were that Jack "is a dog of a lifetime" and have an amazing dog! Instead I took him in for a couple minor issues (not knowing this was a "pre screening"); otherwise I would never have done that. Now I'm screwed for everything. I hate this company and is a waste of time and money. Only reason I don't switch, is because I'm sure everything now will be "PRE EXISTING"! Embrace is great at not covering and paying out. Typical insurance company. Actually, auto and health are higher on my scale as far as "insurance companies" go.