I received two months of Embrace insurance for my new dog, Chance, from the rescue I adopted through. Chance had been abused, had surgery for his injuries prior to my adopting him, and was also heartworm positive, had parasites, etc, etc. (train wreck doggie!) Luckily I have a wonderful vet, but we figured everything would be denied for pre existing or whatever. The service rep who emailed me (Ashley, I believe) was very thorough in researching prior vet records and such, and kept me in the loop through the process, and I did receive reimbursement for much of his vet bill. I really appreciated the good customer service and communication.