Pet Insurance and Pre-existing Conditions

Yes, Embrace covers pets with pre-existing conditions. The pre-existing condition itself will not be covered, but other new unrelated illnesses or accidents will be.

Yes, symptoms observed or treated before the waiting period ends are pre-existing conditions, even without a formal diagnosis.

Other pre-existing conditions are not covered, including orthopedic issues, allergies, cancer, diabetes, and other chronic illnesses present before the end of the waiting period. Temporary conditions that fully resolve may be re-evaluated after 12 consecutive months symptom-free and treatment-free.

Most pet insurance companies exclude all pre-existing conditions, but Embrace distinguishes between permanent and temporary conditions. If your pet is symptom-free and treatment-free for 12 consecutive months, we may remove the exclusion for that condition from your policy.

Yes, you can get pet insurance after a diagnosis; however, the diagnosed condition will be considered pre-existing and won't be covered.

Pet insurance companies review your pet's medical history and require a vet examination to identify any pre-existing conditions.

A pre-existing condition is any illness, injury, or condition observed or diagnosed before the insurance coverage started or during any policy waiting periods.

Every pet insurance company excludes pre-existing conditions from coverage. What makes Embrace different is that we recognize certain conditions as temporary, and may remove the exclusion if your pet remains symptom-free and treatment-free for 12 consecutive months.

If a condition or symptom was noticed by you or your veterinarian before coverage started or during the waiting periods, it would count as a pre-existing condition. If no symptoms, illness, or injury were present before enrollment or through the waiting periods, then it wouldn't count as a pre-existing condition.

It depends. If your pet hasn't visited a vet in the 12 months leading up to enrollment, they'll need a full physical exam within the first 14 days of the policy. We also require a full 12-month pre-policy medical history for your pet, including chart notes from your vet detailing examination findings, health status, and test results.

Embrace recognizes that certain conditions may be temporary. If your pet remains symptom-free and treatment-free for 12 consecutive months, we may remove that condition from your exclusions, making it eligible for coverage should it return.