No pet insurance company covers pre-existing conditions, but a pre-existing condition will never prevent you from obtaining pet insurance coverage. Whether your pet’s pre-existing condition is curable or not will determine your coverage options for that condition. Show
Embrace is one of the few companies that distinguishes between curable and incurable pre-existing conditions, allowing for the greatest long-term coverage. Before signing up, it is important to understand what pre-existing conditions your pet insurance company deems curable or incurable. Curable pre-existing conditions may be covered if the pet goes 12 months symptom and treatment free while incurable pre-existing conditions will never be covered. If your cat or dog has been diagnosed with or shown signs/symptoms of the following conditions prior to enrolling in an Embrace Pet Insurance plan any related recurrence will be excluded for 12 months from the date of the last episode:
If your pet's medical history shows no further episodes subsequent to this then, at our discretion, we will reinstate coverage for these conditions moving forward. If your pet has been diagnosed with a disease of an anatomical area where the underlying cause was undetermined any diagnosis of the same area within 12 months would not be covered. For example, gastritis and colitis are both general diagnoses of inflammation, but do not get at the cause of the disorder. If your cat or dog has been diagnosed with or shown signs/symptoms of the following conditions prior to enrolling in an Embrace plan they (and any related conditions) will be permanently excluded under your pet insurance policy:
Are bilateral conditions covered?A bilateral condition is a condition or disease that affects both sides of the body, such as hip dysplasia or a cruciate ligament tear. Because a pet runs a higher risk of the same condition on the other side of the body, if a pet has a pre-existing instance of a bilateral condition, we are not able to cover the condition on the other side. However, if a pet is diagnosed with one covered bilateral condition, we will also cover the condition if it occurs on the other side. Examples of how pre-existing conditions might affect a pet’s pet insurance coverage:
Your website says you cover my pet's condition.You'll see lots of pet insurance claims examples on our website. These claims were paid because the conditions were not pre-existing when the pets first enrolled with Embrace. Have you visited your vet in the last 12 months?Your policy terms and conditions require you to have a documented visit to the vet in the 12 months before you purchased your policy. Your pet must be examined and documented by a veterinarian for coverage to start. You should get this done as soon as possible so you don't find yourself without coverage when you need it most. Still not sure about your coverage of a pre-existing condition?Not everything is black and white when it comes to your pet's health. We try hard to be honest and upfront about what we consider pre-existing before you enroll. For peace of mind about your pet's coverage we recommend you ask us to conduct a free Medical History Review after you enroll your pet. For more specific information on a policy for your pet, get a pet insurance quote here. Can I get pet insurance for a dog with a preDoes pet insurance cover pre-existing conditions? No pet insurance company covers pre-existing conditions, but a pre-existing condition will never prevent you from obtaining pet insurance coverage. Whether your pet's pre-existing condition is curable or not will determine your coverage options for that condition.
Can I still get pet insurance after diagnosis?Can you get pet insurance after a diagnosis? Yes, you can still get pet insurance to cover future injuries and/or illnesses, depending on your pet insurance coverage type. The policy simply wouldn't cover any pre-existing conditions, diagnosed or not.
Is a UTI considered a preSome pre-existing conditions are considered “curable,” such as ear infections, diarrhea, and urinary tract infections (UTIs). In these instances, an insurance provider may extend future coverage under a pet insurance plan once the condition is cured.
How do pet insurance companies verify claims?To verify a condition is not pre-existing, Pets Best will often request your pet's medical records from your veterinarian. Medical records are often requested after you submit a claim.
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