My 6 month male Golden Retriever has Osteochrondrosis, as well as panosteitis. My vet said they may not pay it out because it is a genetic condition and happens very frequently in larger breed dogs it's very common. But they paid it out no issues at all. He is healthy otherwise. I am so impressed with Healthy Paws, even my vet was impressed and he is going to call and get some brochures for his office. My vet even said this is the best pet insurance company he has seen.