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title: What Are Pre-existing Conditions, and Does Embrace Cover Them? | Embrace Pet Insurance Help Center
description: Embrace offers personalized, affordable pet insurance for dogs & cats with up to 90% back at any vet. Add a wellness plan for total protection. Get a free quote for your pet's customized policy.
lastUpdated: 2025-10-02T19:06:14.000Z
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# **What Are Pre-existing Conditions, and Does Embrace Cover Them?**

Everything you need to know about pre-existing conditions, curable and incurable.



## What is a Pre-existing Condition and are they covered through Pet Insurance?

Any injury, illness, or irregularity noticed by you or your veterinarian 12 month prior and before the end of your **** <a href="https://www.embracepetinsurance.com/help/article/what-waiting-periods-does-embrace-have">**waiting period**</a> **,** even if your pet never went to see the vet for it.

- Includes conditions that are symptomatic or diagnosed before your policy started and through the waiting periods
- No pet insurance company covers pre-existing conditions.

  - You can still obtain a policy at Embrace if your pet has pre-existing conditions because we can cover new or unrelated conditions.
  - Embrace also differentiates between curable and incurable conditions.

## What Is the Difference Between Curable and Incurable Pre-existing Conditions?

Embrace is one of the few companies that distinguishes between **curable** and **incurable** pre-existing conditions.

### What Are Curable Pre-existing Conditions?

- Conditions that are temporary
- Eligible for coverage once your pet is symptom- and treatment-free for 12 consecutive months from the date of the last episode

### What Are Incurable Pre-existing Conditions?

- Conditions that cannot be cured, are reoccurring, or are considered chronic conditions
- Permanently excluded from coverage if they were noted symptomatic or diagnosed prior to the end of the waiting periods

### What Are Examples of Curable and Incurable Pre-existing Conditions?

#### **Curable Pre-existing Conditions**

- Respiratory Infections
- Urinary Tract/Bladder Infections
- Vomiting, Diarrhea, & Other Gastrointestinal Disorders

#### **Incurable Pre-existing Conditions**

- Diabetes
- Arthritis
- Allergies

## How Would I Know if My Pet has Pre-existing Conditions?

You can request a **** <a href="https://www.embracepetinsurance.com/help/article/what-is-a-medical-history-review-and-how-would-i-request-one">**medical history review**</a> for your pet after purchasing a policy to learn if your pet has any pre-existing conditions.




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