We were a new client within our "Free Look" 30-day period with this so-called insurer. We jumped through all of the Orthopedic Exam Report and veterinarian medical history needs only to discover that our unskilled, inattentive, and deceptive adjuster, Alissa K. Tyminski, RVT, reviewing our new account had decided to ignore our vet's complete examination write-up on the Orthopedic Exam Report and simply create a list of exclusions from one-off events and enter them as "chronic" preexisting conditions!!! Long story short, after discovering this lack of due diligence, we immediately exercised our right to cancel this insurance plan with the mindset that if we just signed up and this Embrace adjuster assigned to us is being deceptive and misleading when specific questions were posed to her, would they even know how to handle an actual claim professionally? It was at this point that we realized it would be equivalent to working with a kindergartener on something as serious as an insurance claim could be. Don't allow yourselves to be taken advantage of!! Ask all of the hard questions and if the answers sound like a run-around, drop the policy immediately.