Pawp is best overall when it comes to covering pre-existing conditions especially when it’s an emergency. Embrace also has policy terms that may grant coverage for curable pre-existing conditions, but it is best to clarify this with them upfront when you apply for insurance. That said, please note that most pet insurance companies will not cover pre-existing conditions at all. The upshot is that health issues will not prevent you from being able to get a policy for your beloved dog or cat.