«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).