Coverage for Breed-specific and Genetic Conditions

Embrace includes coverage for breed-specific and genetic conditions on every policy at no additional cost.

Hereditary and Genetic Conditions

A hereditary or genetic condition is an inherited disease caused by a defect in certain genes transmitted to a puppy or kitten from their parents. These conditions affect both purebred and mixed breed dogs and often cost thousands of dollars to diagnose and treat. Embrace covers diagnostic testing, surgery, rehabilitation, and more for every hereditary or genetic 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.

Congenital Conditions

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.

Genetic and Breed-specific Conditions Claims Stories

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.

Learn more about how Embrace has helped pet parents manage vet bills for hereditary and congenital conditions including diagnostic testing, surgery, rehabilitation, and more.


Bulldog Receives Surgery and Rehab for Hip Dysplasia

Vet Bill: $4,310
Embrace Paid: $3,288.25


Bernese Mountain Dog Needs Surgery for Elbow Dysplasia

Vet Bill: $3,949
Embrace Paid: $2,618.32


Cavalier King Charles Needs Surgery for Luxating Patella

Vet Bill: $6,258
Embrace Paid: $4,792.03

Important Information About Pre-existing Conditions and Waiting Periods

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.

Mind if we pay your vet bills?

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.