Embrace Pet Insurance: pre-existing conditions

This is how pre-existing conditions works for an Embrace Pet Insurance policy.

We will reimburse you for treatment your pet receives during the period of insurance due to illness as a result of a condition that was a) not a chronic condition known by you or b) not diagnosed to have first occurred or to have shown clinical signs for a period of twelve (12) consecutive months prior to the effective date as certified by your Veterinarian.

So for example,

  • if your dog had a one-off ear infection last year, it would be a pre-existing condition for this year. If the same dog did not have an ear infection this year, ear infections would be covered again next year.
  • if your cat had kidney disease three years ago, that's a chronic condition and not covered under your policy going forward.
  • If your dog broke it's leg last year, any new broken bone would be covered this year. If the same dog had a complication with last year's broken bone this year, this new condition is considered a pre-existing condition and not covered this year.

Sorry to be a bit heavy on the negatives here but I wanted you to see how pre-existing conditions actually worked.

It's all about what you know about your pet's health at the time you sign up for pet insurance since pet insurance is for unexpected accidents and illnesses, not what you already know. That is of course the reason why you should get pet insurance early in a pet's life - you just don't know what unexpected medical events are going to happen.

While you can't predict when your pet is going to get sick or injured, you can protect yourself from expensive veterinary bills. Embrace Pet Insurance gives you the freedom to do what’s best for your pet without stressing over the cost. Easily personalize your coverage to fit your budget and your pet’s needs, then visit any vet for nose-to-tail coverage. Check out what the Embrace plan covers or compare pet insurance providers to learn more.

Mind if we pay your vet bills?

Copyright 2005-2018

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. © 2016 American Modern Insurance Group, Inc.