Not necessarily= if its listed in the breed of health defects, then no- but like Hotties condition is not listed as in the breed ( OCS and degenerative arthritis). Also- like my vet and my daughters, they accept the insurance with a token check that is never cashed to be paid.
The condition to be over 50 percent of the breed. Thats pretty high- even then like with sighthounds sensitivity to anethesia, they paid the anethesia too...