By PawPriced Editorial · 2026-03-10 · education
Pre-existing conditions are the most common reason for pet insurance claim denials. Understanding what counts as pre-existing can save you from unexpected coverage gaps.
Any condition that showed symptoms or was diagnosed before your policy's effective date (or during waiting periods) is considered pre-existing. This includes conditions you may not have been aware of.
Some providers distinguish between curable and incurable conditions. Embrace may cover curable pre-existing conditions if your pet has been symptom-free for 12 months. ASPCA also reviews curable conditions after a symptom-free period.