Pet insurance that covers hereditary & congenital conditions

Yes, coverage for hip dysplasia and other hereditary conditions is included with Fetch at no extra charge. This means you’re covered for sick-visit exam fees, diagnostic tests, surgery, medications, follow-up care and more. You’re covered up to 90%, so long as hip dysplasia isn’t a pre-existing condition for your pet.

A hereditary condition is one your pet inherits genetically. The condition may not show up until later in life, but the predisposition is there from birth. A congenital condition is a physical abnormality that develops during pregnancy due to something that disrupts fetal development. Fetch covers both hereditary and congenital conditions with the most complete pet insurance, so long as they aren’t pre-existing. Not all providers cover hereditary and congenital conditions.

No pet insurance covers all pre-existing conditions, including Fetch. However, Fetch covers curable pre-existing conditions for all dogs and cats.

If it’s not a pre-existing condition, Fetch covers hereditary conditions, including breathing problems in Bulldogs, hip dysplasia in German Shepherds, kidney disease in Persian cats and more. This is why it's important to sign your pet up when they're young and healthy — before they show signs and symptoms of the condition and it is likely to be considered pre-existing.

Fetch reimburses up to 90% of covered vet bills for hereditary condition treatments (after the waiting period ends and you've met your deductible.) When customizing your price, you can choose a reimbursement rate of 70%, 80%, or 90%, along with your deductible and max annual payout. Hereditary condition treatments may include:

• Tests to diagnose conditions like cherry eye and a heart murmur
• Surgery that may be required to treat conditions like IVDD and hip dysplasia
• Physical therapy that may be recommended by your vet as your pet recovers
• Prescription medications
• Hospital stays and specialty care

Some breeds cost more to insure because they’re more likely to have medical issues (including hereditary conditions) than others. These breeds include French Bulldogs, Golden Retrievers, German Shepherds, Maine Coons and Siamese cats. These breeds generally have higher vet bills, so your pet insurance price will reflect this. Fetch covers more injuries and illnesses than other insurers — including hereditary and congenital conditions for all breeds. Not all providers do.

Yes, Fetch covers surgery for cherry eye with up to 90% reimbursement — as long as the surgery is not related to a pre-existing condition. Cherry eye is common in Beagles, French Bulldogs and Pugs, so it’s important to enroll your pet as early as possible.

Fetch Pet Insurance covers hereditary conditions in dogs and puppies (like hip dysplasia and cherry eye). Breeds like French Bulldogs, Cavalier King Charles Spaniels and Golden Retrievers are more prone than others to these conditions. Not all providers cover hereditary conditions linked to breed — this is just one of the many reasons why Fetch is the best pet insurance for puppies at the best price and the #1 choice among ethical breeders.

Fetch Pet Insurance provides the most complete coverage for dogs and cats, including hip dysplasia. Bernese Mountain Dogs, Bulldogs (both French and English), German Shepherds are all prone to hip dysplasia. For cats, Maine Coons, Persians and Himalayans are more susceptible than other breeds.

Not all providers cover hereditary conditions like hip dysplasia. Trupanion charges extra to add hereditary coverage to your plan and Nationwide doesn’t cover it at all.

Fetch, Embrace and Trupanion all cover hereditary conditions but not all pet insurance is created equally. Fetch’s most complete coverage includes hereditary and congenital conditions, along with full-mouth dental, sick-visit exam fees, 100% reimbursement on hundreds of qualifying pet meds with Fetch Pet Rx† and much more.

Trupanion charges extra to cover hereditary conditions. They also charge extra to cover physical therapy and alternative and holistic care, which your pet may need as part of their treatment for hereditary conditions like hip dysplasia.

While Embrace covers hereditary conditions, their coverage can’t match Fetch when it comes to complete dental coverage, sick-visit exam fees, medications and more.

The best choice for your pet is insurance that covers more than just hereditary conditions. With Fetch, you’ll be getting the total package for your pet’s health.

Yes, Fetch Pet Insurance covers heart murmurs in dogs and cats when it isn’t a pre-existing condition. Smaller dog breeds like Cavalier King Charles Spaniels, Dachshunds and Chihuahuas are more likely to be born with a heart murmur. In cats, all cats can get hypertrophic cardiomyopathy (HCM), but Domestic Shorthair cats, Maine Coons and Ragdolls are more prone to it.