Pet Insurance Coverage for Hereditary and Congenital Disorders - The Trupanion Blog
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Pet Insurance Coverage for Hereditary and Congenital Disorders

Pet Insurance Coverage
Pet Insurance Coverage

The number of pets covered by pet insurance is growing rapidly. When choosing the best pet insurance coverage for you and your pet, reading the pet insurance policy is crucial. What is covered in each pet insurance policy varies, especially regarding coverage of hereditary and congenital disorders. Doing your homework and understanding each pet insurance policy will lessen the chances of being surprised with a claim denial later on.

Good pet health is extremely important to all pet owners. Common health problems that pets face are either hereditary, congenital, or acquired through other conditions such as injuries. There are a variety of hereditary disorders that range from heart, eye, and blood diseases, endocrine, respiratory, and musculoskeletal disorders. These disorders usually vary but are prevalent in a number of breeds, and can seriously affect your pet’s health. Pet insurance policies vary in that hereditary disorders are covered partially, entirely, or not at all. When shopping for pet insurance, this is a key factor to look for in a pet insurance policy.

Subsequently, pets may also face congenital disorders. Congenital disorders are present at birth, however they may not show signs until later on. Some congenital disorders vary in severity such as epilepsy and zinc responsive dermatosis. They may occur as a result of exposure to toxins or are indicators of other underlying diseases. Often, it is difficult to tell the difference between the two. Congenital problems arise due to genetic abnormalities, but in some cases, these genetic defects are hereditary.

Whether pet insurance policies cover congenital and hereditary disorders varies between each pet insurance company. Some pet insurance companies have very limited coverage for hereditary and congenital disorders whereas other pet insurance companies are more generous concerning these types of disorders. With some pet insurance policies, additional fees are required for this type of coverage. A few pet insurance companies, including Trupanion, cover both hereditary and congenital disorders entirely.

It is important to compare pet insurance policies and determine if your pet’s breed is more prone to one of these disorders. Ultimately, it is a safe bet to have pet insurance coverage for these disorders because they may be prevalent in your dog’s breed. You will find additional pet insurance benefits from pet insurance companies that cover all diagnostic tests, surgeries, and medications for hereditary and congenital disorders.

Several pet insurance companies who do not fully cover these disorders have an options for additional coverage. Hip dysplasia is one disorder that some pet insurance companies cover. Trupanion pet insurance covers hip dysplasia for a small additional cost. It is very expensive to treat and it is important to look into a pet insurance company that will provide you some coverage for hip dysplasia before it happens.

While some pet insurance providers cover hereditary conditions under circumstances, others exclude them. It is important to research each pet insurance company’s policy. Ultimately, all pet insurance companies exclude preexisting conditions in their pet insurance policies. Since congenital disorders occur before birth, then by definition, that is preexisting. The pet insurance companies who cover congenital disorders take into account that they may not be expressed until later on in the pet’s life. If you were to get pet insurance with congenital and hereditary coverage, and the pet later developed one of those disorders, it would greatly benefit the pet insurance policyholder by decreasing those costly medical bills.

It is important to consider these options when purchasing pet insurance. Many pet insurance providers advertise that they cover hereditary disorders, however they only cover a certain dollar amount leaving you with the large remainder. Although some pet insurance companies advertise coverage, make sure to read the fine print in the pet insurance policy before you purchase. Pet insurance offers pet owners peace of mind and a method for budgeting those unexpected pet medical needs. It is unfortunate when your pet becomes ill, but having pet insurance will help decrease the costs of vet care. Understanding pet insurance coverage options and what you are entitled to pay is crucial. Keep this information in mind when shopping for pet insurance because you would not want to have this as a reason for getting a pet insurance claim denied.


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