Cleft palate and pet insurance; Hereditary or pre-existing condition?

In humans some cleft palate is hereditary and some are just unfortunate genetic flukes. It takes some expensive testing (in humans) to determine which one it is so that parents can decide if they want to risk having more children once one is born with a cleft palate (my neighbors went through this). Your best bet is to call the various insurance companies and get - in writing - a determination as to what they consider this. I suspect though that they will call it pre-existing and won't cover it. Insurance companies like to weasel out of whatever they can.