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Congenital Condition – Pet Insurance Terms


A congenital condition, or congenital disorder, is a health condition that is present at birth or that develops during the first month of a puppy or kitten’s life. Not to be confused with a hereditary disorder, is a condition that is passed down to a puppy or kitten from their parents that manifests later in life.

The good news is that both congenital conditions and hereditary disorders are both covered by pet health insurance plans (just make sure you enroll before your pet shows clinical signs).

Congenital conditions and defects can occur for no known reason, can be inherited or can be caused by environmental factors.


Real Life Examples

Some common congenital disorders include congenital heart conditions and organ defects. Sample congenital conditions and the average cost of treatment.

Congenital ConditionCost to Treat
Elbow Dysplasia
$3,000 to $6,000 per elbow
Cherry Eye
$500 to $1,000 per eye
Disc Disease$3,000 to $9,000
Congenital Heart Disease
$15,000 to $20,000
Liver Disease$2,000 to $5,000


Source: Dog Health Conditions


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