What Are Pre-existing Conditions, and Does Embrace Cover Them?

Everything you need to know about pre-existing conditions, curable and incurable.

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

• Respiratory Infections

• Urinary Tract/Bladder Infections

• Vomiting, Diarrhea, & Other Gastrointestinal Disorders

• Other Curable Conditions

Incurable Pre-existing Conditions

• Diabetes

• Arthritis

• Allergies

• Other Chronic 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.