Our research identified the best pet insurance for hereditary conditions, with Lemonade taking the top spot by balancing affordable rates and reliable customer support. Pumpkin, Spot and Pets Best also deliver solid coverage for pets with genetic health risks, giving owners multiple strong options to consider.
Best Pet Insurance for Hereditary Conditions
Updated: September 15, 2025
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Best Pet Insurance for Hereditary Conditions: Key Takeaways
Lemonade is the best overall pet insurance company that covers hereditary conditions, earning scores of 4.73 out of 5.0 for dogs and 4.51 out of 5.0 for cats.
Lemonade offers the cheapest coverage for dogs with hereditary conditions at $41 monthly, while Pumpkin has the lowest rate for cats at $20 monthly.
Compare multiple quotes, understand policy terms and research customer reviews to find the best value for pet insurance with hereditary conditions coverage.
What Are the Best Pet Insurance Companies for Hereditary Conditions?
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Lemonade | 4.73 | $487 |
| Pets Best | 4.24 | $643 |
| Rainwalk | 4.21 | $718 |
| Pumpkin | 4.20 | $548 |
| ASPCA | 4.03 | $580 |
Lemonade
Best Overall
MoneyGeek Rating
4.7/ 5
5/5Affordability
4.4/5Customer Experience
3.7/5Coverage Options
Average Monthly Rate for Dogs
$41Average Monthly Rate for Cats
$23Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Rainwalk
Best Customer Experience
MoneyGeek Rating
4.2/ 5
3.5/5Affordability
5/5Customer Experience
3.9/5Coverage Options
Average Monthly Rate for Dogs
$60Average Monthly Rate for Cats
$30Trustpilot Ratings
4.7 out of 5.0Maximum Annual Limit
$20,000
Pets Best
Best Pet Insurance Coverage Options
MoneyGeek Rating
4.2/ 5
4/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate for Dogs
$53Average Monthly Rate for Cats
$28Overall Reddit Sentiment
70% positiveMaximum Annual Limit
Unlimited
What Are the Cheapest Pet Insurance Companies for Hereditary Conditions?
Cost concerns shouldn't prevent your pet from getting coverage for hereditary conditions like hip dysplasia or luxating patella. We found that Pumpkin offers the lowest rates for cats at $20 monthly, while Lemonade leads for dogs at $41 monthly among providers covering genetic conditions in our study.
Cheapest Pet Insurance for Dogs With Hereditary Conditions
Lemonade provides the most affordable dog insurance for hereditary conditions at $41 monthly ($487 annually), followed by Pumpkin at $46 monthly ($548 annually). These rates reflect our standard 6-year-old Labrador Retriever profile with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
| Lemonade | $41 | $487 | 33% |
| Pumpkin | $46 | $548 | 24% |
| ASPCA | $48 | $580 | 20% |
| Figo | $52 | $624 | 14% |
| Pets Best | $53 | $643 | 11% |
Cheapest Pet Insurance for Cats With Hereditary Conditions
Pumpkin offers the lowest rate at $20 monthly ($238 annually) for cat insurance with hereditary condition coverage. Lemonade follows closely behind at $23 monthly ($271 annually). These rates are for a standard 7-year-old Ragdoll profile with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
| Pumpkin | $20 | $238 | 37% |
| Lemonade | $23 | $271 | 28% |
| Hartville | $23 | $277 | 27% |
| Spot | $23 | $284 | 25% |
| Figo | $25 | $297 | 22% |
How to Get the Best Cheap Pet Insurance for Hereditary Conditions
Finding affordable pet insurance that covers hereditary conditions doesn't have to be overwhelming if you follow a systematic approach. These steps will help you secure comprehensive coverage while staying within your budget.
- 1
Decide on your coverage needs
Figure out your annual limit by considering how much hereditary condition treatments might cost, since procedures for hip dysplasia or heart defects can reach up to $10,000. Pick a deductible that fits your budget, but remember that genetic conditions usually need ongoing care instead of one-time treatments. Also, consider higher reimbursement rates to maximize coverage for these typically expensive, chronic conditions.
- 2
Compare multiple quotes
Request quotes from at least three companies to ensure you're getting competitive pricing for pet insurance. Use identical coverage parameters across all quotes to make accurate comparisons. Online comparison tools can streamline this process, but you may also contact insurers to confirm hereditary conditions are covered without any additional cost.
- 3
Understand the terms and conditions
Read through sample policy documents before you buy, focusing on how each company defines hereditary conditions and their waiting periods. Check for breed-specific exclusions or restrictions that could impact your pet's genetic condition coverage. Make sure you know the difference between pre-existing conditions and hereditary conditions that show up after your policy starts.
- 4
Look for company reviews
Research customer experiences through platforms like Trustpilot and Reddit to gauge satisfaction with claims processing. Pay particular attention to reviews mentioning specific genetic conditions your pet's breed is prone to developing. Check financial strength ratings from AM Best or similar agencies to ensure the company can pay claims long-term.
- 5
Reassess coverage annually before renewing
Review your policy each year to ensure coverage limits still meet your needs as your pet ages and hereditary conditions may develop. Shop around and check rates from other insurers, but keep in mind that switching means any conditions your pet was diagnosed with under your current policy become pre-existing with the new company. You might also want to raise your coverage limits or change your deductible depending on your budget and any changes in your pet's health.
Best Pet Insurance for Hereditary Conditions: Bottom Line
Lemonade is MoneyGeek’s top choice for pet insurance with hereditary condition coverage, combining excellent overall performance with the cheapest dog premiums at $41 monthly. Cat owners may find Pumpkin as the most affordable option at $20 monthly. As always, shop around for coverage by getting quotes from multiple insurers, reviewing policy terms for hereditary condition exclusions and reading company reviews to secure the best coverage for your pet's health needs.
Best Pet Insurance for Hereditary Conditions 2025: FAQ
We’ve answered some frequently asked questions about the best pet insurance for hereditary conditions below:
What is the best pet insurance for hereditary conditions?
Lemonade is the best pet insurance for hereditary conditions according to MoneyGeek's analysis, providing premiums starting at $41 monthly for dogs and $23 for cats. The company offers comprehensive coverage for hereditary conditions like hip dysplasia, heart defects and epilepsy with annual limits up to $100,000 and strong customer service ratings.
What is the cheapest pet insurance for hereditary conditions?
The cheapest pet insurance for hereditary conditions varies by pet type. Pumpkin offers the lowest rates for cats at $20 monthly ($238 annually), while Lemonade provides the most affordable rates for dogs at $41 monthly ($487 annually).
What hereditary conditions are typically covered by pet insurance?
Pet insurance typically covers hereditary conditions like hip dysplasia, heart defects, cherry eye, epilepsy and luxating patella. These genetic conditions are inherited from parents and often require expensive treatments. Coverage applies only if your pet shows no symptoms before enrollment and after the waiting periods end.
What waiting periods apply to hereditary condition coverage?
Most insurers require a 14-day waiting period for illness coverage and 30 days for orthopedic hereditary conditions like hip dysplasia. Cruciate ligament conditions often have extended 6-month waiting periods. During these periods, any symptoms or diagnoses will be considered pre-existing and excluded from coverage.
Do all pet insurance companies cover hereditary conditions?
Not all pet insurance companies cover hereditary conditions and some charge extra fees or exclude specific breed-related conditions. The providers featured in MoneyGeek's analysis, including Lemonade, Pumpkin, Rainwalk and Pets Best, all include hereditary condition coverage in their standard accident and illness policies. However, coverage only applies to conditions that develop after enrollment and waiting periods.
What's the difference between hereditary and pre-existing conditions?
Hereditary conditions are genetic disorders passed from parents that may develop during your pet's lifetime, while pre-existing conditions are any health issues present before insurance enrollment or during waiting periods. Hereditary conditions like hip dysplasia are covered if they develop after your policy begins, but become pre-existing if symptoms appear before enrollment.
How We Found the Best and Cheapest Pet Insurance for Hereditary Conditions
MoneyGeek analyzed 20 major pet insurance providers in the United States to identify the best and most affordable options for hereditary condition coverage. Our analysis focused on three key areas: affordability, customer experience and coverage options to tailor our recommendations.
To ensure fair comparisons, we obtained quotes using our standard 6-year-old Labrador Retriever and 7-year-old Ragdoll profiles with $5,000 annual limits, 80% reimbursement rates and $500 deductibles.
How We Rated Providers
Affordability (50% of score): We gathered proprietary quotes from every provider and compared rates against competitors within each state. We also factored in available discounts, though only as a minor scoring component due to limited variation across companies.
Customer experience (30% of score): We collected and analyzed customer ratings from multiple online platforms, particularly Trustpilot and Reddit discussions, to calculate comprehensive satisfaction scores that reflect real user experiences with each provider.
Coverage (20% of score): We reviewed complete contract details from every provider across all states, evaluating available add-ons, coverage inclusions, exclusions that might affect genetic conditions and enrollment restrictions to ensure accurate coverage assessments.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.