I switched from another pet insurance company to Embrace in May 2017, because it was conveniently offered by my auto insurance carrier. It was an expensive mistake. The policy language states that there is a TWO WEEK exclusion for illness and a one year exclusion for CHRONIC conditions. My dog developed diarrhea after the two week exclusion ended. Believing that she was insured, I took her to the (expensive) emergency vet and agreed to a $300 blood test. The blood test showed some elevated levels, so I followed up with her regular vet. I submitted claims for both visits, which were denied on the basis that an unrelated episode of diarrhea 10 months prior was a pre-existing condition. Now I have to waste my time and my vet's time proving that my healthy dog does not have chronic diarrhea. Fortunately I live in California where we have an active Attorney General and strong consumer protection laws.