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Are hereditary and congenital conditions covered?

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.
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