The brochure I received before purchasing clearly states that they cover hereditary conditions. When my dachshound ruptured a disc and became paralyzed she needed immediate surgery. The bills totaled almost $6000. ASPCA refused to pay any of it because dachshounds are prone to this type of injury, calling it hereditary, and saying she isn't covered. A great "bait and switch tactic". The brochure says level 3 covers hereditary conditions but, they did not list it in the contract they later wrote up. CUSTOMER BEWARE!!!!!!!!!!!