They will not cover hereditary and congenital conditions if your pet isn't insured with them from the day he was born. That being said I am sure they would use the 30 day excuse why not to pay even if he was insured from day 1.Our pug, when he was 12 weeks old, (April 2011), we went to the vet for a routine checkup and vaccinations. Our vet made a comment that pugs were prone to stenotic nares and put that in her report. The vet said that he was asymptomatic and nothing needed to be done. If it was an issue we would have had the surgery because he was insured with Pesecure at the time and had been since day 1
We switched our insurance over to Trupanion in May 2013. Biggest mistake of our lives
August 2013 our pug developed severe breathing problems due to an elongated soft palate in his throat and requires surgery. They have denied the claim saying it was pre existing, due to the stenotic nares comment when he was 12 weeks old.
If you are an owner of a brachycephalic dog I strongly suggest never switching to Trupanion if you are insured with another company. Even if your dog is not brachycephalic I wouldn't switch to them.
I made that mistake.