I have Embrace. I havent had to file for anything yet, but it is affordable. However, you need to do it soon, because I think they have to be under 7 to get it in place.
1800-511-9172
Embrace - Veterinary Pet Health Insurance for Your Dog or Cat
The easiest would be to call them and speak to them. There is an orthopedic waver you have to have filled out to be cleared of any of those issues. AND they don't research the pets history until the first claim. So, anything pre exisiting is not covered.