What are hereditary and congenital conditions?

Trupanion covers hereditary and congenital conditions, so it’s important to understand what these are in order to make sure you’re getting the most out of your pet’s plan. Hereditary conditions are diseases or disorders inherited genetically. They may or may not be present from birth. 

Congenital conditions are diseases or disorders that are present since birth. They may or may not be genetic, meaning some congenital conditions are also hereditary conditions and vice versa. When a congenital condition is not genetic, it may be the result of a developmental issue or injury that occurred at any stage prior to birth. Certain breeds of dogs and cats are prone to specific congenital conditions. 

If you’re unsure if your pet’s health condition is considered congenital or hereditary, it’s a good idea to talk with your veterinarian.

Many pet insurance providers limit or outright exclude any conditions considered hereditary and/or congenital. Trupanion covers all hereditary and congenital conditions as long as there are no pre-existing signs or symptoms at time of the policy’s effective date.