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“Do you have a pet? If so, do you know what to do if they get into a car accident or need emergency care? If not, are you looking for an affordable way to insure your dog against accidents, emergencies as well as for pre existing condition? If yes, you are landed on the place.

Here, We Will Guide You about the Pre-Existing Plan for Your Dog!

Pre-existing conditions in dogs are not something you should be nervous about, but it will require attention and care to ensure your pet’s well-being throughout their lifetime. While some pre-existing conditions may have already been resolved by medication, others might develop over time. Let’s discuss best dog insurance for pre-existing conditions that is the primary purpose of this article.

Dogs have been the most trusted animal for humans as a form of companionship and protection. They are loyal, protective, and loving animals that can provide comfort to their owners through thick or thin.

While dogs may be great companions, there is always a risk with bringing any pet into your home, especially when they will eventually become part of the family. One of these risks is pre-existing conditions in dogs or illnesses that may have developed before a dog even enters your home.

What is a Pre-Existing Condition?

A pet’s condition can be considered pre-existing if diagnosed before you obtain your new pet insurance policy. Some pet insurance companies do not cover any illnesses or conditions discovered after you purchase your policy. With embrace, we believe owners should protect their pets with coverage at all life stages. 

Pre-existing conditions are not limited to only diseases but can be any disorder, ailment, or injury as well. Some common examples of pre-existing conditions are heart disease and epilepsy, which had already manifested themselves before a dog is even brought into your home.

How Do I know if My Pet has a Pre-Existing Condition?

Many owners rely on their veterinarian to determine if their pet has a pre-existing condition. However, most veterinarians will not be able to definitively tell you if your pet’s symptoms are related to something they have had before you purchase your policy.

This is because most signs in a pet are often overlooked as part of being normal for that pet. It is essential to establish a history with your veterinarian and monitor how your pet responds throughout its life. Your new coverage begins immediately once purchased, so it doesn’t matter which month of the year you sign up!

What are the Curable Pre-existing Conditions in Dogs?

The pet may be able to recover from pre-existing conditions before the insurance policy takes effect. Any recurrence of the following conditions is excluded from coverage for 12 months from the date of the last episode. If your dog has been diagnosed with or shown signs or the symptoms as we have listed below, you should enroll in a pet insurance plan:

  • Urinary tract/bladder infections
  • Vomiting, diarrhea
  • Gastrointestinal disorders
  • Respiratory infections
  • Other curable conditions

Ineligible for coverage is a second diagnosis of the same anatomical area within 12 months if your pet has been diagnosed with a disease of an undetermined underlying cause. For example, gastritis and colitis are both general diagnoses of inflammation but do not get at the cause of the disorder.

As long as your pet’s medical history proves that we will not be experiencing any further episodes following this, we will be able to reinstate coverage for these ailments.

What are the Incurable Pre-existing Conditions in Dogs?

Happy cute little dog in wheelchair or cart walking in grass field.

Let’s say your dog has been diagnosed with or shows symptoms of the following diseases or conditions before enrolling in an Embrace plan. You will be permanently exempted from pet insurance coverage for those ailments and any related ones—injuries or illnesses on the opposite side of an injury that happened previously.

Although, conditions that pre-exist do not qualify for coverage remain a significant obstacle to adopting older pets or rescuing animals from euthanasia.

  • Urinary or bladder crystals/blockages
  • Diabetes
  • Lipomas/skin lumps
  • Cancer
  • Hyperthyroidism/hypothyroidism
  • Allergies
  • Other chronic conditions/diseases

Conditions that affect the pet insurance policy with pre-existing conditions

1. Pets with chronic conditions might be excluded from pet insurance policies

2. If a pet has a pre-existing condition, the cost of premiums will likely be higher

3. Some health issues that are considered to be pre-existing conditions include diabetes, heartworm, and kidney disease

4. Pre-existing conditions can affect how much coverage is offered by an insurer 

5. A veterinarian can help you determine whether your pet’s needs are covered under your policy or not 

6. It’s also essential to find out if there is any waiting period for pre-existing conditions before starting coverage


Here in this article, we have talked about the pre-existing conditions of dogs and their possible effect on the insurance policy. If your pet has a pre-existing condition, please consult with an animal doctor to provide the best care possible and prevent future health issues.

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