In trying to get our 8 month old lab the surgery he needed for a CCL tear, EMBRACE refused to cover any operations. Even though we provided the puppy's medical history and a note from our vet saying this was the result of on accident that occurred during our coverage period. Apparently having several physicals where there are "no issues" with his knees/legs is not enough. In dealing with so called "Embracers", they also wouldn't accept anything from our old vet from before our coverage period. They seemed to go out of their way to call everything and anything a pre-existing condition. Do not waste your money. Unless you have a cat, then they will probably kill it.