Pets Best pet insurance company recently announced that it's Best Benefit policies now cover hereditary and congenital conditions up to the full annual maximum.
Previously, coverage was limited for hereditary conditions and congenital conditions were not covered.
The changes may not yet be approved and available in all 50 states. You can check coverage in your state here.
There are 7 conditions that have a 1-year waiting period - cruciate ligament injury, porto-systemic shunt, cardiovascular defect, patellar luxation, hip dysplasia, elbow dysplasia, and osteochrititis dissecans (OCD).
You can have this waiting period reduced to the normal 3 days for accidents and 14 days for illnesses by having your veterinarian examine your pet (at your expense) and fill out a special form signifying that no evidence of these diseases were found. This examination must take place within 30 days of enrollment.
These changes are available to existing policyholders upon renewal of their policy.