I've had Embrace insurance for my dog for less than a year and have been pleased thus far. Recently I was told a skin blemish on the dog's rear end could not be covered because he had an ear infection on his first appointment! Seriously, that's stretching it don't you think? I am disapointed to say the least. Also, you list ear problem and skin porblem seperately below. Obviously you do know they are two different things.