The short answer is: yes, you want a pet insurance plan that includes this coverage.The tricky thing about congenital and hereditary conditions is that they may not appear for years. So you wouldn't know your otherwise healthy pet has one until it shows up - and treatment is often expensive. For this reason, we encourage pet insurance buyers to consider only policies that cover congenital and hereditary conditions. But wait - you might think that you don't need this coverage if your pet's breed isn't prone to these types of conditions. It's true that certain breeds have higher risks for these conditions; however, that doesn't mean that your pet, if not one of these breeds, is risk-free. Also, policies that exclude coverage for congenital and hereditary conditions give the insurance company more "wiggle room" - it gives them the ability to determine that a certain health condition, where the cause is unknown and difficult to determine, is congenital or hereditary. That means your claim would be denied. To avoid these situations, and to make sure your pet is covered, we recommend getting a policy that covers congenital and hereditary conditions, without limit.