«Regarding the example she provided, it is true that a few pet insurers exclude hereditary conditions and given a Bernese Mountain
Dog is prone to hip dysplasia
amongst other conditions, that might have been the surgery she mentioned that was not covered; however, there are a number of pet insurers that do cover hereditary conditions (Embrace and Petplan being two of them) and even some of those that have not covered them in the past are adding optional coverage for
breed - specific issues now (such as VPI and ASPCA).