Hereditary / congenital condition exclusion

Most modern policies cover hereditary and congenital conditions (hip dysplasia, heart defects, etc.) unless explicitly excluded. The appeal usually requires showing your policy doesn't exclude this specific condition, or that it manifested as an acquired (not congenital) issue.

Check your policy. Most reputable insurers cover hereditary/congenital conditions by default. If yours does, cite the inclusion. If condition is genuinely degenerative/acquired (e.g., adult-onset), document that.

• ●Policy showing hereditary/congenital coverage is included
• ●Vet statement that condition is acquired, not congenital
• ●Diagnosis date well after birth

1. 1Find hereditary coverage language in policy
2. 2Get vet to specify classification
3. 3Note diagnosis age vs birth date

Supervisor review → DOI complaint.