Coverage for Genetic Conditions
One of the biggest complaints we hear from pet parents is that they haven't found a company that offers pet insurance for genetic or hereditary conditions. Pet insurance companies usually consider genetic conditions to be pre-existing. This means no coverage: zip, nada, nothing.
And you might be surprised at what a genetic condition is. You may find out that your pet's ACL rupture is a genetic condition that's not covered only after your pet insurance company has denied your claim.
Fortunately a few companies, including Embrace, now offer pet insurance plans that cover genetic conditions.
Why Would I Want Genetic Condition Coverage?
There are literally hundreds of genetic conditions that affect dogs and cats. No matter whether you have a mixed breed dog or a purebreed Persian cat, your pet is at risk from genetic and hereditary conditions.
Treating these genetic conditions may involve drugs, for example NSAIDs to treat osteoarthritis, or even surgery, say to treat cancer. Some genetic conditions, such as hip dysplasia, are not deadly but can have a dramatic impact on your pet's quality of life.
Veterinary medicine offers a good chance to regain some of this quality but this care can be expensive. Pet insurance is an effective way to manage those unexpected costs.
Make sure your pet insurance covers genetic conditions.
Do all pet insurance companies cover genetic conditions?
A few companies, including Embrace, do cover genetic conditions. Naturally, because there is broader coverage for genetic conditions, these policies sometimes cost a little more.
Does cover for genetic conditions cost more?
Usually. The premiums for a policy that covers genetic conditions often vary by breed. That's because different breeds are prone to different genetic conditions. If a pet insurer brags that it doesn't increase the premiums for different breeds, read the fine print carefully. That's because their policies likely don't cover the very conditions you need protection against.
Does Embrace Cover Genetic Conditions?
You bet we do and every policy includes it. You can read more about Embrace's coverage for genetic conditions.