Pet Insurance – Rated Best Coverage | Embrace

No pet insurance company covers pre-existing conditions.

However, Embrace does distinguish between curable and incurable pre-existing conditions. Examples of incurable pre-existing conditions include diabetes, allergies, etc. Curable pre-existing conditions include things like ear infections and undiagnosed vomiting or diarrhea. As these issues can be completely cleared up, they could be covered moving forward if the pet goes 12 months symptom free.

We define what conditions are pre-existing for your pet by requesting their medical records for the 12 months (or less, if they are a new addition) prior to the purchase of the policy. If you’d like, you can request that we do a Medical History Review, which involves one of our claims adjusters reviewing your pet’s medical records to let you know what – if any – conditions would be considered pre-existing. It’s important to note that we don’t automatically do these medical history reviews, you must request one. However, they are free of charge and available to anyone who has a policy.