Every time we have a big bill from our Vet, it turns out hardly any of it is covered by Embrace. Very frustrating to say the least. Its all in the exact wording by the Vet himself. If there is even the tiniest chance there could be some association with anything pre-existing, or if a physical exam for say dermatitis also included some regular wellness exam procedure... then POOF- there again we have lost our chances of getting a deduction! This has been going on for over a year now! Very very very frustrating. The dog has had like 4 exams for varying problems and every time Embrace manages to weasel out of paying, because it looks like a wellness exam or some fluke possible thing from a "possible" tick (which there wasnt even any proof of...) on and on and on.... I am glad others have had some good luck, but definitely not us.