New kitten that was fully covered for all of his health issues including nose and allergies until he was just over a yr. old and needed sinus surgery which cost $3,500. Once that claim was filed, suddenly it was a pre-existing condition. Embrace says that because the vet noted my cat had a dry nose during his "kitten" exam that anything with the nose is pre-existing. Event though the vet wrote a letter to Embrace saying the dry nose had nothing to do with the internal sinus cavities. This company is a fraud!!! Run away from them don't buy a policy. Also, pet insurance is unregulated, Embrace may do and decide as they want. Scam!