The short answer
Modern US pet plans (Healthy Paws, Trupanion, Embrace, Pets Best) include hereditary and congenital conditions IF you enrolled before the first sign or symptom. Once diagnosed or symptomatic, it becomes pre-existing and permanently excluded. Bilateral condition rules can extend the exclusion to the other side of the body.
Frequently asked
- Are OFA-tested parents proof enough?
- No — the pet's own medical history is what the insurer looks at. Enroll young.
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