It is very hard to get a reimbursement of services. I had 2 of my frenchies insured and needing surgeries. One of the reasons they denied a claim was that my dog was not seen in a vet for over a year so therefore it is classified as a pre existing condition. We just relocated to another state and had no immediate need to bring my dog to the vet. They are house dogs, they don't leave my property. I went on BBB to see this is a big issue with Embrace. They take a long time to contact you when submitting a claim as well. Every claim submitted gives the default response of "we need to contact prior vets for complete medical history" even though this is done in the preliminary coverage process. You are better off putting that money aside every month and getting a CareCredit card instead of paying for their insurance. This is what I am forced to do... 5K in debt later. Thx Embrace!