What to Know About Breed Specific Pet Insurance Exclusions

When you bring a new pet into your life, you’re not just getting a companion, you’re welcoming a family member. And like any family member, you want to protect them. That’s where pet insurance comes in. But here’s something not many people realize until it’s too late: some pet insurance policies don’t treat all breeds equally. It’s called breed specific pet insurance exclusions, and if you’re the proud parent of a purebred or breed-prone to certain conditions, this is something you need to understand – before you sign on the dotted line.

What Are Breed Specific Pet Insurance Exclusions?

Put simply, breed specific pet insurance exclusions are policy limitations that deny or restrict coverage for certain medical conditions that are common to specific breeds.

Let’s say you have a lovable French Bulldog. These squishy-faced sweethearts are prone to brachycephalic obstructive airway syndrome (BOAS), a condition that affects their breathing. Some insurance companies will either:

• Refuse to cover that condition entirely
• Require a special rider or add-on
• Charge a higher premium
• Consider it a “pre-existing condition” if symptoms were noted before coverage began

It’s like discovering your health insurance doesn’t cover your genetic predisposition to allergies or asthma – after you’ve already developed symptoms.

Common Conditions That Get Excluded

Breed-specific exclusions often apply to hereditary and congenital issues, which are health conditions passed down through genes or present at birth. Here are a few examples:

• Hip Dysplasia – common in German Shepherds, Golden Retrievers, and Labs
• Intervertebral Disc Disease (IVDD) – especially in Dachshunds and Corgis
• Mitral Valve Disease – frequently seen in Cavalier King Charles Spaniels
• Luxating Patella – often found in Chihuahuas, Pomeranians, and Yorkies
• Skin Allergies and Dermatitis – prevalent in Bulldogs, Shar Peis, and other wrinkly breeds

And the list goes on. Unfortunately, even if your dog hasn’t shown symptoms, some insurers treat these as uncovered risks – just because of their DNA.

Why Don’t All Policies Cover These Conditions?

It comes down to risk management. Insurance companies know that certain breeds are statistically more likely to develop expensive medical conditions. Covering these without limits would cost the company more, which is why they often build in breed-specific pet insurance exclusions to reduce their financial risk. And this means… you need to read the fine print.

The Pre-Existing Condition Trap

Many pet parents find out too late that their pet’s breed-related condition is classified as pre-existing, especially if it was diagnosed or even mentioned in vet notes before the policy’s waiting period ends.

Here’s a real-world scenario: A Dachshund shows signs of back pain during the waiting period. Later, IVDD is diagnosed. The insurer then refuses to cover treatment, claiming the condition was pre-existing – even though it hadn’t been formally diagnosed yet.

It feels unfair because it kind of is. That’s why knowing your breed’s risks – and how your policy defines exclusions – is so important.

How to Protect Your Pet (and Your Wallet)

So, what can you do? A lot, actually. Here’s a step-by-step guide to stay one step ahead of those dreaded breed-specific exclusions:

1. Know Your Pet’s Genetic Risks

Start by researching the common health conditions associated with your pet’s breed or speaking to your veterinarian. If your dog is a mixed breed, consider a pet DNA test, it’s more than just fun trivia; it can help you anticipate future health concerns.

2. Ask Specific Questions Before You Buy

When comparing pet insurance providers, don’t just ask, “Is this a good policy?” Ask questions like:

• “Are there any breed-specific pet insurance exclusions I should know about?”
• “Does this plan cover hereditary and congenital conditions?”
• “How are pre-existing conditions defined?”
• “What documentation do I need to prove my pet was healthy at enrollment?”

A good insurer will give you clear answers. If they’re vague or evasive, consider it a red flag.

3. Enroll Early

The earlier you insure your pet, the better your chances of avoiding exclusions related to pre-existing conditions. Puppies and kittens are less likely to have symptoms or diagnoses on record, which gives you more comprehensive coverage from the start.

4. Read the Fine Print (Yes, Really)

We get it – insurance policies are about as fun as assembling IKEA furniture without the instructions. But this part matters. Look for:

• Lists of excluded breeds or conditions
• Definitions of hereditary and congenital diseases
• Coverage limits for specific body systems (e.g., musculoskeletal or respiratory)
• Requirements for annual exams and wellness care

If you find the lingo confusing, copy and paste it into an AI tool like ChatGPT and ask it to tell you, in plain English, what everything means.

5. Consider Wellness Riders or Add-Ons

Some providers offer optional coverage for hereditary conditions. It might cost a bit more, but it could be well worth it, especially if your pet is prone to something expensive to treat (like hip dysplasia or heart disease).

6. Keep Medical Records Clean and Complete

Make sure your vet documents everything clearly, especially if your pet is healthy at enrollment. A vague mention of “intermittent coughing” can be used to deny coverage later on.

Don’t Let Breed Bias Stand Between Your Pet and Care

Every pet deserves the chance to live a long, healthy life – regardless of their genetic makeup. But breed specific pet insurance exclusions can quietly undermine that goal if you’re not careful.

By being proactive, asking the right questions, and choosing the right policy, you can ensure your pet is covered when it matters most. You’re not just protecting your pet – you’re protecting your peace of mind. Because let’s face it: when your dog’s back goes out, or your cat needs heart meds, the last thing you want is a surprise bill and a denied claim.

Final Thoughts

Pet insurance isn’t one-size-fits-all. And in a world where your pet’s breed can impact what’s covered, education is your first line of defense. Don’t wait until you’re in the middle of a health crisis to find out what your policy won’t pay for.

Take the time now to understand breed specific pet insurance exclusions, ask the right questions, and choose a plan that honors the unique needs of your furry family member.

Because prevention isn’t just about vet visits and vaccines – it’s about being financially and emotionally prepared for whatever comes your pet’s way.

Ready to Protect Your Pet?

The best time to get pet insurance is before you need it. Explore your options, ask about breed-specific coverage, and find a policy that gives you peace of mind.
Your pet’s DNA may come with quirks – but it shouldn’t come with coverage gaps.

Don’t wait – start comparing pet insurance plans today and give your best friend the protection they deserve.

The information contained on this blog is intended for informational and educational purposes only and should not be construed as medical advice. It is not a substitute for professional veterinary care. Always consult with your veterinarian before making any changes to your pet's health care or treatment plan.

The authors of this blog are not veterinarians and do not claim to be experts in pet health. The information provided here is based on our own experiences and research, as well as information from reputable sources. However, we cannot guarantee the accuracy or completeness of this information.

We encourage you to do your own research and consult with your veterinarian before making any decisions about your pet's health.