Embrace Covers Chronic Conditions

Our pet insurance covers chronic conditions so you don't have to worry about a condition being covered from one year to the next.

What Is A Chronic Condition?

Chronic conditions are ones that persist or last for several months (often for years). They generally cannot be prevented by vaccines or cured by medication, nor do they just disappear.

Note: Chronic condition coverage only applies to chronic conditions that occur after you enroll and your pet is past their waiting period.

What are some common examples of Chronic Conditions?

Chronic conditions affecting our pets are generally the same ones affecting pet parents.

• Common in cats & dogs:
  • Allergies
  • Cancer
  • Diabetes
  • IBD (inflammatory bowel disease)

• More common in dogs:
  • Addison's
  • Cushing's
  • Dry eyes (KCS)
  • Epilepsy
  • Glaucoma
  • Hypothyroidism
  • Orthopedic issues such as arthritis, IVDD, & cruciate ligament tears

• More common in cats:
  • Asthma
  • Chronic upper respiratory issues
  • Feline lower urinary tract disease
  • Herpes
  • Hyperthyroidism

Do I need to pay extra for Chronic Condition Coverage?

No, it is included with your policy automatically. We highlight it because some other pet insurance companies charge extra for it. Policies that cover chronic conditions generally cost more but they give your pet the broadest protection available against long-term conditions, which is what having insurance is all about.