Pet insurance policies are underwritten by Independence American Insurance Company
Hereditary Logo

What Is Hereditary Condition Coverage?

Some conditions don’t fall into the “accident” or “illness” category. Hereditary and Congenital Coverage is an optional add-on that encompasses conditions considered hereditary or congenital and other chronic conditions that may crop up over the years. This pet policy includes coverage for arthritis, elbow and hip dysplasia, diabetes, hereditary eye disorders, heart disease, and more.

Coverage is subject to deductible and coinsurance.

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Picture of a cavalier lab looking up

Here are conditions that may be eligible for coverage:

Heart Disease Icon
Heart Disease
Hip Dysplasia Icon
Hip Dysplasia
Spondylosis Icon
Elbow Dysplasia Icon
Elbow Dysplasia
Diabetes Icon
Eye Disorders Icon
Eye Disorders
Arthritis Icon
Luxating Patella Icon
Luxating Patella

Available Plan Options

Select your state to see what plan options are available in your area.

What Else Should I Know?

See Terms and Conditions
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    Coverage subject to deductible and coinsurance.
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    Pre-existing conditions coverage*
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    Subject to 30-day waiting period.
*Not available in all states. Pre-existing condition coverage available after 365 days of continuous coverage.