Pet hereditary & congenital conditions

Healthy Paws covers hereditary & congenital conditions

The Healthy Paws plan doesn't place coverage restrictions on hereditary or congenital conditions.¹ 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, pet insurance can help take care of the costs, potentially saving you many thousands of dollars.

Hip Dysplasia and Cruciate Ligament tears

Coverage for hip dysplasia is included at no additional cost to you when you enroll your pet before the age of 6.¹ 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.

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

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,² the hereditary or congenital condition is then excluded from coverage.