[heide210]

We recently purchased a policy with Embrace Pet Insurance a few weeks back.They offer a medical history review and after the review they will tell you which conditions are considered pre-existing this way in the future you are not suprised that it will not be covered.I thought this was a great idea and called to see what I needed for this review on Gabby. I needed an orthopedic exam and 1 year of medical records. I scheduled her exam at our veterinarian. I was suprised to find out she has Grade 1 medial patellar luxation. On this orthopedic form the dr. writes in his observation:
R Strifle Grade 1 medial patellar luxation. Grade 1 can be within normal limits for yorkshire terriers. L patella does not luxate. He also checks a box for the rear legs that indicates within normal limits for breed and age.
I recieved the review fro Embrace and they said this:

The following pre-existing chronic conditions shown in Gabby’s vet records are excluded permanently:


Luxating Patellas

Osteoarthritis; this condition is at a greater risk of developing due to the luxating patellas. Future coverage of this condition in other joints will be determined on a case by case basis

Vaccine Reactions



Here is what i dont understand. My vet checks a box saying her rear legs are within normal limits for breed and age and also writes in her observation that a Grade 1medial patellar luxation can be within normal limits for yorkies. So how come they will not cover her patellas if its within normal limits for a yorkie. I am waiting for my vet to call me back to see what he thinks.
I also don't like how they word they will not cover osteoarthritis.Why dont they say we will not cover ostearthritis in Gabby's patellas.Vaccine reactions will not be covered because Gabby once had a shot and she got a bump where they injected.