Congenital Condition

by Pawlicy Advisor
Pet Insurance Terms
Congenital Condition

What is a Congenital Condition?

A congenital condition is any bodily abnormality present upon birth. Though they exist at birth, congenital conditions are not always apparent at birth and may take years to discover. A congenital condition could be an abnormal individual organ, such as a dog or cat born with cataracts, or a specific part of the body that developed abnormally, such as a leg that is shorter or longer than the other legs. Some congenital conditions will resolve as your pet grows, but other congenital conditions may worsen with time or lead to premature death if left untreated.

It’s unknown why many congenital conditions occur, but many are theorized to happen due to genetics, environmental factors, or a combination of the two.

How Congenital Conditions Work

Diagnosed congenital conditions are considered pre-existing conditions and will not be covered by any pet insurance plan. However, if you enroll your pet in protection before the condition is diagnosed it can be covered - so it’s important to enroll sooner rather than later. Also, some pet insurance plans will cover pre-existing conditions that are “curable.” If your pet has a congenital condition, consult with your veterinarian about possible cures and treatment options.

Key Takeaways

  • A congenital condition is any abnormal condition present upon birth.
  • Congenital conditions may not be detected until years after birth.
  • Congenital conditions are considered pre-existing conditions.

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Coverage is what is covered by a particular pet insurance plan. Every pet insurance plan is unique and will cover different treatments, procedures, and illnesses.
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Coverage Requirements
Coverage requirements are the specific requirements your insurance claim must meet to receive reimbursement from your pet insurance provider.
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Coverage Score
A coverage score is a Pawlicy Advisor exclusive feature that scores pet insurance plans based on your pets specific attributes and breed.
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