Pre-existing Conditions
If your pet had an accident or illness of any kind in the last 12 months or is showing signs or symptoms of a potential illness, even if undiagnosed, you must contact Embrace to discuss how this affects your eligibility and coverage. There are two types of pre-existing condition: those that can be cured and those that cannot.
Pre-existing Conditions That Embrace Considers Curable
If your cat or dog has had any of the following prior to enrolling in an Embrace plan:
- Respiratory infections
- Urinary tract infections
- Vomiting and/or diarrhea
- Bladder infections
- Other curable conditions
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.
Pre-existing Conditions That Embrace Considers Incurable
If your cat or dog has had any of the following prior to enrolling in an Embrace plan:
- Orthopedic illness or injury on the opposite side of a prior injury. See the example below.
- Allergies
- Cancer
- Diabetes
- Lipomas or skin lumps
- Hyperthyroidism or hypothyroidism
- Urinary or bladder crystals or blockages
- Other chronic conditions
These and any related conditions will be permanently excluded under your policy.
Some Specific Examples
- Your dog tore her right cruciate ligament before you bought your policy. She then tears the left cruciate ligament 2 years into the policy. The left cruciate tear is a pre-existing condition.
- Your cat had a bout of diarrhea from Giardia eight months prior to enrolling. Two months into the policy term, he has diarrhea again and your veterinarian does not know the cause except she has ruled out Giardia. The diarrhea would be covered.
- If your pet has been diagnosed or treated for cancer prior to being insured, further incidences of any type of cancer in any location in the body are excluded. This exclusion also includes any conditions that are a direct result of the cancer.
- Your cat was limping 2 weeks prior to being insured and your veterinarian didn’t know what caused it. After your waiting period has expired, your cat is limping again. The limping would be a pre-existing condition.
Still Not Sure?
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 medical history review after you enroll your pet.
