Are hereditary and congenital conditions covered?
Last updated on: December 22, 2020
We cover hereditary conditions, which are passed down from their parents through genes. We understand hereditary conditions may not appear until the later stage in a pet's life and can result in huge, unexpected medical expenses.
However, we don't cover congenital conditions, which are developed in utero and/or present at birth. These are detectable right after birth or at an early age, so we consider them as pre-existing conditions.