The USAA Insurance Agency receives compensation on the sale or renewal of third-party products. Wellness rewards are offered and administered by Embrace Pet Insurance Agency in the United States. Wellness rewards are offered as a supplementary benefit to the pet health insurance policy and are not an insurance product. Rates and discounts vary, are determined by many factors and are subject to change.

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. Pet health insurance is administered by Embrace Pet Insurance Agency, Limited Liability Company and underwritten by one of the licensed insurers of American Modern Insurance Group, Incorporated, including American Modern Home Insurance Company doing business in California as American Modern Insurance Company (License Number 2222-8), and American Southern Home Insurance Company. Since these issues are curable, they could be covered moving forward if the pet goes 12 months without symptoms. Curable pre-existing conditions include ear infections and undiagnosed vomiting or diarrhea.

Examples of incurable pre-existing conditions include diabetes and allergies.

However, it's free and available to anyone with a policy.Įmbrace does distinguish between curable and incurable pre-existing conditions. It's important to note that Embrace doesn't automatically perform a review. A claims adjuster can look at your pet's medical records to let you know what conditions - if any - are considered pre-existing. If you'd like, you can request a medical history review.

Other conditions you may have previously observed but didn't have a veterinarian diagnose.

Illnesses or injuries that occur before the end of your waiting period.

Chronic conditions you or your veterinarian observe prior to the end of your waiting period.

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