Especially important if you have a pedigree or a breed that has a predisposition to a congenital or hereditary condition that may have been transmitted through a parent. Unlike many other insurance policies, Pet Protect will cover a congenital or hereditary condition provided it is not present or apparent at the start of the policy. Examples of congenital and hereditary conditions are: Hip dysplasia in German Shepherds and Labradors Heart murmurs in Cavalier King Charles Spaniel