What is a Pre-existing Condition?
Any injury, illness, or irregularity noticed by you or your veterinarian before the end of your waiting period, even if your pet never went to see the vet for it.
Includes conditions that are symptomatic or diagnosed before your policy started and through the waiting periods
Does Pet Insurance Cover Pre-existing Conditions?
No pet insurance company covers pre-existing conditions.
You can still obtain a policy at Embrace if your pet has pre-existing conditions because we can cover anything new or unrelated.
Embrace also differentiates between curable and incurable conditions.
What Is the Difference Between Curable and Incurable Pre-existing Conditions?
Embrace is one of the few companies that distinguishes between curable and incurable pre-existing conditions.
What Are Curable Pre-existing Conditions?
Conditions that are temporary
Eligible for coverage once your pet is symptom- and treatment-free for 12 consecutive months from the date of the last episode
What Are Incurable Pre-existing Conditions?
Conditions that cannot be cured, are reoccurring, or are considered chronic conditions
Permanently excluded from coverage if they were symptomatic or diagnosed prior to the end of the waiting periods
What Are Examples of Curable and Incurable Pre-existing Conditions?
Curable Pre-existing Conditions
Incurable Pre-existing Conditions
How Would I Know if My Pet has Pre-existing Conditions?
You can request a medical history review for your pet after purchasing a policy to learn if your pet has any pre-existing conditions.