Ben Madilynn
We ranked Embrace as our top provider for pre-existing coverage due to its policy surrounding curable conditions. Embrace covers curable pre-existing conditions if your pet remains symptom-free and does not require treatments for one year from the date of the last occurrence. Some conditions Embrace deems curable include respiratory infections, urinary tract infections, vomiting and diarrhea.
Embrace does not cover pre-existing bilateral conditions, which most often apply to the knees, hips and eyes. For example, if one knee develops a cruciate tear before you purchase a policy, the plan won’t cover the other knee. However, if a bilateral condition arises after coverage begins, it will be covered.
To begin coverage, Embrace requires your pet to have a documented vet visit within the past 12 months.
