Chronic Conditions
When your pet has a chronic or recurring illness you expect that your pet insurance will cover your pet as long as he has the condition, just like human health insurance would.
Pet insurance with chronic condition coverage will protect you in the event that your pet develops a chronic condition like diabetes, Addison's disease, Cushing's disease, or osteoarthritis, for example.
Beware: Chronic Conditions Can Become Pre-existing
The bad news is that most pet insurance companies handle chronic or recurring illnesses either by limiting your payout or by excluding them in subsequent years.
When a policy renews some pet insurance companies treat all the illnesses that occurred in the previous year as if they were pre-existing conditions. This will probably come as a shock as most people do not expect a health insurance policy to work this way.
When you compare pet insurance plans ask how a long-lasting condition would be handled, whether the reimbursement on the condition would be limited, and whether any chronic conditions could become pre-existing.
Does Embrace Cover Chronic Conditions?
You bet we do. We also give you a choice - if you don't think your pet will need this coverage you can opt not to take it and your premium will be lower. Read more about Embrace's coverage for chronic conditions.