I looked into it quite a bit. PetPlan is the only one I know of that will cover congenital problems as long as they haven't YET been diagnosed on the medical records (so, buy insurance young).
Also, Dateline did a segment on insurance and whether it was worth it - the bottom line was: IF your family can afford a 5k worse case scenario and be okay - then don't get it. IF a 5k surgery would be IMPOSSIBLE for your family to afford - then get it, bc that could mean the difference btwn life and death for your dog.
AND, WELCOME TO YT!!!