A hereditary or genetic condition is an inherited disease caused by a defect in certain genes transmitted to a puppy or kitten from its parents. These inherited diseases and conditions affect both purebred and mixed-breed dogs and cats and often cost thousands of dollars to diagnose and treat. Embrace covers diagnostic testing, surgery, rehabilitation, and more for every hereditary or genetic pet condition. Common genetic disorders in dogs and cats include:
To learn more about breed-specific conditions and other pet health conditions, visit our Pet Health Condition Library.
A congenital condition is an issue that a dog or cat is born with, but that doesn’t necessarily show symptoms right away. Some congenital conditions remain dormant until provoked by an accident or illness. Embrace covers congenital conditions as long as your pet hasn’t been diagnosed or shown symptoms prior to the start of coverage which is why getting pet insurance early is crucial.
Common congenital diseases in dogs and cats include:
Which pet insurance companies cover genetic and congenital conditions?
Some pet insurance companies require you to pay extra to add a rider for genetic condition coverage or have coverage restrictions for certain conditions – and some don’t cover them at all. Embrace covers hereditary and congenital conditions on every policy with no per-incident or per-condition limits at no added cost.
Check out our pet insurance comparison for details.
Having Embrace Pet Insurance before an injury or illness means you’ll never worry about gaps in coverage because breed-specific and genetic conditions are included in our one simple yet comprehensive policy. These pet parents learned the value of Embrace when they were faced with expensive vet bills – many over $5,000.
Vet Bill: $4,000
Embrace Paid: $3,361.58
Vet Bill: $5,444
Embrace Paid: $4,235.30
Vet Bill: $5,841
Embrace Paid: $4,513.03
Vet Bill: $4,347
Embrace Paid: $3,321.75
Vet Bill: $6,204
Embrace Paid: $4,784.24
Vet Bill: $10,584
Embrace Paid: $7,554.34
Embrace has a 14-day waiting period for illnesses and a 2-day waiting period for accidents. Dogs also have a 6-month waiting period for orthopedic conditions that can be reduced to as little as 14 days by following the Orthopedic Exam and Waiver Process. There are no additional waiting periods for hereditary or congenital conditions.
All Embrace accident and illness policies fully cover breed-specific conditions. It’s important to note that pre-existing conditions are not covered, whether breed-specific or not.