I like the idea of "never letting money make a difference on whether you treat your pet." However, there are some things that worry me about VPI. Perhaps someone here can clear this up for me.

On their site: VPI - What is Not Covered

It says at the top, "Congenital or hereditary defects or diseases "

I would assume this includes things like heart murmurs and luxating patellas?

Congenital and hereditary defects are some of my worst concerns.

Any thoughts?