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Hereditary and
Congenital Conditions

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Pet Hereditary and Congenital Conditions

Hereditary and congenital conditions in dogs and cats can appear as early as birth, but problems often develop later in life. Your once frisky and carefree dog or cat may develop a hereditary or congenital condition that's very expensive to treat.

Fortunately, Healthy Paws has got your pet's back, along with all their other important parts! Unlike other pet insurance companies, we don't place coverage restrictions on hereditary or congenital conditions1. Pets are eligible for coverage so long as the signs and symptoms first manifest after enrolling, including any applicable waiting periods. So, while you focus on caring for your pet, we'll take care of cost, easily saving you many thousands of dollars.

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What is a hereditary condition?
A hereditary condition is passed down to your pet from their parents. Pure breeds, especially purebred dogs, are particularly susceptible.

  • Hereditary Condition
  • Average Cost
  • Healthy Paws Pays2
Elbow Dysplasia
Initial diagnostics, surgery (arthroscopy), pain medications, follow-up x-rays, and rehabilitation
$ 4,000 $ 3,500
Cherry Eye (Entropion)
Corneal stains, medications, surgical correction
$ 1,500 $ 1,250
Intervertebral Disc Disease (IVDD)
Initial x-rays and blood work, surgery, rehab and medications
$ 8,500 $ 7,550

Talula - A Puppy with Double Elbow Dysplasia

Talula was limping and diagnosed as a puppy with double elbow dysplasia (ouch!). Learn more about her recovery and how Healthy Paws Pet Insurance helped with over $7,000 in veterinary bills.

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What is a congenital condition?
Rather than inherit a health condition, your pet can develop one in utero, before the pet is born, called a "congenital condition." These conditions can often lead to other complications and diseases.

  • Congenital Condition
  • Average Cost
  • Healthy Paws Pays2
Congenital Heart Disease
Conditions like Aortic Stenosis or Heart Valve Dysplasia. Treatment costs vary based on severity.
$ 7,000 $ 6,200
Nervous System
Impacting the brain and spinal cord, treatments costs can vary greatly depending on the severity. MRI and CT scans will be the biggest expense.
$ 5,000 $ 4,400
Liver Disease
Lifelong liver supplements and regular blood work. Some cases may require surgery.
$ 6,200 $ 5,405

Pre-existing condition exclusion
If symptoms of a hereditary or congenital condition were present before you enroll (it doesn't have to be diagnosed) or during any waiting periods, the hereditary or congenital condition is then excluded from coverage.

Hip Dysplasia and Cruciate Ligament tears
Hip dysplasia can be a hereditary or congenital condition where there is a misalignment in your pet's hip. It's painful for the animal, and while very common in gentle giant dogs, vets also see it in small pups and even cats.

Hip dysplasia is included in coverage at no additional cost to you with the following requirements:

  • Your pet is under the age of six (6) at the time of enrollment
  • Waiting period: No clinical signs or symptoms manifest within the first twelve (12) months of continuous coverage.*

Cruciate Ligament issues (ACL, CCL ruptures and disease) have a specific exclusion in our policy:
Pre-existing conditions of the cruciate ligament on one leg means the other leg will be excluded from future treatment as well.

For additional information please click here to see the Healthy Paws Pet Health Insurance policy.

I researched many companies before going with Healthy Paws. I wish my own health insurance was this good!

Jennifer on Angie's List

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*Waiting periods do not apply to the states of Maryland and New Hampshire. Additionally, Maryland does not have age limits for hip dysplasia. For additional information on these states click here.

1Lifetime hip dysplasia coverage is included at no extra cost when you enroll your pet before the age of 6. It is excluded from coverage if your pet is 6 or older at the time of enrollment.

2This is an approximate reimbursement based on covered treatment costs using a 90% reimbursement level and a $100 annual deductible.