Embrace has a pretty helpful FAQ page explaining how pet insurance applies to your pet’s pre-existing condition. Basically, you can still purchase a policy, but it won’t apply to services related to your pet’s condition. Pet Assure is the only provider that will cover your pet’s pre-existing conditions.
Not all providers do this, but Embrace does cover your pet’s hereditary or genetic conditions. Basically, if your labradoodle’s breed means that he’s likely to develop hip dysplasia later in life, he or she might be disqualified from coverage by some providers. Before shopping for insurance, ask your vet about your pet’s possible conditions later in life, and ensure they’ll be covered under your new policy.