Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 21, 2021

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The Lowdown

  • Pet insurance plans for dogs and cats can cover many things including accidents, illnesses, surgeries, cancer, and much more
  • While no pet insurance policy covers pre-existing conditions, both Embrace and Pets Best handle them differently to get you the most coverage
  • Some pet ailments can be cured as long as they are considered “curable conditions”

As a pet owner, you may struggle to find the proper coverage for your pet to offset some of the more expensive costs that come with pre-existing conditions. So how do you find pet insurance that covers pre-existing conditions?

Pet insurance companies like Embrace and Pets Best run many different diagnostic and medical history reviews on your pet. These reviews may help cover some costs of pre-existing conditions that may other insurance options will not cover.

To find out which pet insurance is best for covering pre-existing conditions, keep reading below. If you’re ready to start exploring your options when it comes to pet insurance, enter your ZIP code into our free tool to start comparing today. 

What is the best pet insurance for pre-existing conditions?

According to the Insurance Information Institute, 70% of U.S. households, or about 90.5 million families, own a pet. This is up from 56% of U.S. households in 1988, the first year the survey was conducted.

You may ask yourself, should I buy pet insurance for my pet?

The answer, of course, will be up to you. But having pet insurance is never a bad thing, especially with the unpredictable nature of having a pet and any subsequent injuries that may happen, or health issues your pet may experience as they age.

However, due to the expensive costs of treating pre-existing conditions, and the relatively short lifetime of a pets in general, pet insurance providers generally do not cover pre-existing conditions.

Many pet insurers simply don’t want to give you a policy if your pet has a pre-existing condition. However, a few will still do so, as well as cover the preventative treatments to keep your pet happy and healthy.

Embrace Pet Insurance

Embrace is one insurer that will make exceptions when it comes to insuring your sick pet. Embrace allows you to buy a policy even when your animal is already sick or has a physical ailment.

Embrace does not cover any treatments relating to the pre-existing condition, but it will cover all preventative care as well as many other types of care.

Although Embrace doesn’t cover treatment relating to pre-existing conditions, this doesn’t mean that you’re out of luck if your pet gets sick after purchasing insurance for them.

Covered services include:

FeaturesMore Info
Waiting Periods 2 Days for Accidents 14 Days for Illnesses
Preventative Care Plan
Window to Submit Claims Full Policy Term + 60 Days
Diagnostic Exam Fee Coverage Included
One Comprehensive Policy
Diminishing Deductible
Covers Internal & External Parasites
Cruciate Waiting Period Can be Reduced
Coverage for Complementary Treatments* Included
No Illness Exclusions
Medical Records Requirement 12 Months
Reimbursement Method Deductible then Copay
Minimum Age of Enrollment Eligibility 6 Weeks
24/7 Pet Telehealth
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Embrace will only review the previous 12 months of your pet’s medical history to establish pre-existing conditions. Some pet insurance companies review the previous 24 months or your pet’s entire life. The review gives you a better chance of your pet receiving coverage.

Embrace also promotes, rewards, and encourages healthy pets by offering Wellness Rewards. This is an optional non-insurance product that reimburses you for everyday veterinary, grooming, and training costs with no itemized limits.

Pets Best Pet Insurance

Pets Best pet insurance plans for dogs and cats cover accidents, illnesses, surgeries, cancer treatments, and more. 

CoverageMore Info
AccidentsThis includes broken bones, poisoning, car accident, lacerations, foreign object ingestion which results in surgery. This also includes accidents that happen while hunting or in the line of service.
IllnessIncluding cancer, diabetes, arthritis, allergies, cruciate ligament injuries, skin and ear infections, urinary tract infections, and epilepsy.
Cancer Coverage for blood work, MRIs, surgery, medication, and chemotherapy.
Hereditary & congenital conditionsIncludes hip and elbow dysplasia, luxating patella, cherry eye, IVDD, Wobbler Syndrome, glaucoma, and epilepsy.
Emergency careSee any licensed veterinarian, including emergency centers and specialists. Includes operations to remove foreign bodies like swallowed socks, surgeries for mass removals, and more. Plan also covers pre-anesthesia tests.
Prescriptions medicationsPlans cover a wide range of prescription medications.
Ongoing/ chronic conditionsYour pet will still be covered up to your plan’s maximum benefit, even if treatment spans many months or years.
DiagnosticsIncludes exams, bloodwork, MRIs, CAT scans, pathology reports and X-rays.
Older petsThere is no upper age limits for pets. Plans don’t reduce or cancel coverage based on your pet’s age.
Full coverage without spay or neuterProstate problems, hormonal skin conditions, perianal tumors, mammary tumors, uterine and ovarian conditions, as well as injury due to motor vehicle or aggressive behavior whether or not your pet is spayed or neutered
Behavioral conditionsCovers behavioral consults with, and/or medication prescribed by, a licensed veterinarian.
Dental coveragePlans include coverage for periodontal disease. For pets age 0 to age 2, there is no teeth cleaning requirement in order to have periodontal coverage. For pets aged 3+, Pets Best will verify with your vet that a teeth cleaning was completed in the previous 13 months under general anesthesia. As long as the teeth cleaning comes through with no signs or symptoms of periodontal disease, your pet will have coverage if this develops.
Prosthetic devices and wheelchairsWhen prescribed or provided by a licensed veterinarian to treat a covered accident or illness.
EuthanasiaCovers euthanasia for humane reasons.
Coverage while travelingYour pet can be treated by any licensed veterinarian anywhere in the US, Canada, or Puerto Rico.
Exam feesPlans include coverage for exam fees when your pet is seen by a licensed veterinarian for covered accidents and illnesses.
Acupuncture and chiropractic treatmentsPlans include coverage for acupuncture and chiropractic treatments administered by a licensed veterinarian.
Physical rehabilitationCovers hydrotherapy, cold laser and physical therapy.
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Pets Best also offers wellness coverage for routine care, and specialized coverage plans. Your pet can see any licensed veterinarian, and most claims are processed within a few days.

Pets Best offer comprehensive pet insurance coverage under their BestBenefit plans that pays on your veterinary bill for unexpected incidents such as emergencies and illnesses.

With multiple levels of coverage, BestBenefit plans can be customized to meet your pet insurance needs without going over your budget.

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How do insurance companies know about pre-existing conditions?

Like many pet insurance plans, every plan has some exclusions in order to keep prices affordable. But how do you know what is considered a pre-existing condition and what isn’t?

Curable Pre-existing Conditions

If your pet has been diagnosed with or shown signs/symptoms of any of these conditions, you may still be eligible for pet insurance, however your costs may be higher.

  • Respiratory infections
  • Urinary tract/bladder infections
  • Vomiting, diarrhea, and other gastrointestinal disorders
  • Other curable conditions

If your pet’s medical history shows no further episodes after initial treatment, coverage may still be granted.

Incurable Pre-existing Conditions

If your pet has been diagnosed with or shown signs/symptoms of the following conditions prior to enrolling in any pet insurance plan (and any related conditions) they will be permanently excluded:

  • Cancer
  • Orthopedic conditions
  • Diabetes
  • Bladder crystals
  • Allergies
  • Heart disease
  • Kidney disease
  • Urinary blockages
  • Epilepsy
  • Arthritis
  • Hip dysplasia

Since medical history reviews are designed to pinpoint any conditions that your policy won’t cover, you’ll be able to know exactly what expenses you’ll be responsible for even after purchasing pet insurance.

Even if your pet has any of these pre-existing conditions, you can still obtain pet insurance through Embrace and Pets Best. Both insurers will cover nearly all conditions not related to the pre-existing condition. 

Pet Insurance Companies That Cover Pre-existing Conditions: Key Takeaways

Whether you’re looking for pet insurance for your cat or dog with pre-existing conditions — or any other pet — you might find yourself in a bit of an uphill battle. You may be discouraged since no pet insurance offers coverage for pre-existing conditions.

However, some pet insurance companies do allow you to buy a plan when your pet has a pre-existing condition. Plans will also help cover the costs for preventative health.

Now that you’ve learned about pet insurance that covers pre-existing conditions, enter your ZIP code into our free tool and start comparing pet insurance quotes today.