Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 10, 2021

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Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.

We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

When choosing a new pet insurance policy, it is important to find out if the company will cover hereditary and congenital health issues.

Both hereditary and congenital conditions are very important to treat and can be expensive to do so.

This is just one of the many reasons to sign up for pet insurance…to be able to afford the care for these conditions.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Hereditary Conditions in Dogs

happy golden retriever with two female vets

Hereditary conditions are any illness or condition that has a suspected or proven genetic cause.

Hereditary conditions are usually passed down to your cat or dog from their parents.

Most hereditary conditions are breed-specific which means that certain breeds are prone to these conditions.

If you have a certain breed that is pre-disposed to any hereditary issue, pet insurance will help you pay for the care and medical expenses that could occur.

Pet insurance companies like Healthy Paws will always cover both hereditary and congenital conditions in all of their plans.

Related: 10 Things You Must Know Before You Buy Pet Insurance

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Examples of Common Dog Hereditary Conditions

There are many more hereditary conditions than those listed and if your pet is prone to any hereditary conditions, make sure that your pet insurance company will cover these issues.

Dog Congenital Conditions

Congenital conditions are issues that occur in utero and your pet is born with the condition.

Again, these conditions are very much breed-specific so if you have a dog or cat prone to these conditions, make sure to purchase pet insurance while your pets are young and the issues are not yet pre-existing.

In fact, most of these conditions might not show symptoms until later in your dog or cats’ life.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

Examples of Common Congenital Conditions in Dogs

All of these conditions should be covered in a pet insurance plan.

However, as mentioned above, if your dog or cat has already developed a hereditary or congenital condition, it will now be considered pre-existing.

There aren’t any pet insurance companies that will cover a pet for pre-existing conditions.

For instance, if your poodle is examined by your vet and a heart murmur is diagnosed before you buy an insurance policy for this dog, then this condition (which the poodle has probably had since birth) will not be covered.

On the other hand, if you had purchased a policy and this poodle is diagnosed a few years later with the heart murmur (which is a congenital condition), then you would be covered because the symptoms did not develop until after the insurance was purchased.

Getting pet insurance before your pet has any health problems is the only way to ensure that all future issues are covered, as long as they weren’t diagnosed by your vet before the starting date of your insurance coverage.

Or even during the waiting period.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

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Final Thoughts on Hereditary and Congenital Conditions

There are many hereditary and congenital conditions in both dogs and cats and it is important to be aware of them.

Before signing up with any policy, talk to your vet about what issues might occur with your dog or cat, if they haven’t already.

It’s always the safest best to enroll your pets while they are young, while the prices are lower and they are the healthiest.

Before enrolling, ask your provider for a complete list of excluded health conditions to make sure your pet is covered.

If you are looking for a new pet insurance company that covers hereditary and congenital conditions, our top 10 pet insurance companies is a great place to start!


Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds


We get it, your dog is like your child and when your puppy or dog has health problems it is scary. Luckily there is pet insurance companies that will help you pay for any veterinarian care they made need. Checkout the best puppy and dog pet insurance companies and learn about common puppy health issues and ailments in older pets


Common Health Problems:

Acral Lick Granuloma in Dogs

Alopecia in Dogs

Antifreeze Toxicity in Dogs

Aortic Stenosis in Dogs

Arthritis In Dogs

Bladder Stones in Dogs

Boxer Cardiomyopathy

Cataracts In Dogs

Cherry Eye in Dogs

Chronic Active Hepatitis in Dogs

Collie Eye Anomaly In Dogs

Constipation in Dogs

Cruciate Ligament Tear in Dogs

Cryptorchidism in Dogs

Cushing’s Disease in Dogs

Degenerative Myelopathy | Spinal Cord Disease In Dogs

Dementia in Dogs | Canine Cognitive Dysfunction

Demodicosis In Dogs

Dental Problems in Dogs

Diabetes In Dogs

Dog Comedones (Schnauzer Bumps)

Dog Diarrhea: What Can You Do To Help?

Dog Ear Infections

Dystocia in Dogs

Ectropion in Dogs

Elbow Dysplasia in Dogs

Entropion In Dogs

Eye Problems in Dogs

Fleas in Dogs

Gallbladder Obstruction in Dogs

Gallstones in Dogs

Gastroenteritis In Dogs

Glaucoma in Dogs

Heart Murmurs In Dogs | How To Identify Them

Hip Dysplasia in Dogs

Hot Spots On Dogs

Hyperparathyroidism In Dogs

Hypothyroidism In Dogs

Intervertebral Disc Disease In Dogs

Nasal Solar Dermatitis In Dogs

Patellar Luxation in Dogs

Progressive Retinal Atrophy In Dogs

Renal Failure in Dogs

Seizures in Dogs

Wobbler Syndrome In Dogs

The Dog Flu – Symptoms & Treatment for Canine Influenza

Dog Biting Nails