Please don't waste your money. They will find every reason to deny your claim! My dog has a known pre-existing condition (IVDD) and I completely understand that not being covered. However, a few months after getting insurance my dog started vomiting, shaking and refusing to eat. She was diagnosed with a life threatening (but thankfully manageable condition) and after days of hospitalization came home. My claim was denied because she had vomited in the past and her vet had noted it in her file.
When I spoke with the claim agent they used the example that a cough could be a sign of congenital heart failure. They basically explained if my dog had ever seen a vet because she had coughed and then later was diagnosed with heart failure - she would not be covered. When I tried to argue that a cough could also be a sign of a common cold she just doubled down on her claim.
I have another dog with no previous health conditions and I will absolutely be finding a new insurer for him. One I can trust to actually protect my pet.
I am very fortunate I was able to pay for my dog's treatment. My heart breaks for anyone that might not be able to and might lose a dog because they had gambled on Embrace as their insurer.