If you’ve done your pet insurance research, you may have learned that Trupanion covers hereditary and congenital conditions.
You might have wondered, If a pet is born with a hereditary or congenital condition, doesn’t that automatically make it pre-existing, thus not covered by insurance?
As a matter of fact, it does not. While an animal may be born with a hereditary or congenital condition, the condition does not always immediately appear. Our coverage is based on the time that symptoms first appear which is how we are able to offer coverage for hereditary and congenital conditions.
If you’ve got a new puppy or kitten (or any pet for that matter), we encourage you to enroll them with pet insurance as early as possible to avoid the possibility of pre-existing conditions, or conditions arising before you’ve decided to insure your pet!