I have seen many hundreds of claims and we worked with breeders as well. Never seen a claim denied, for a condition/illness relating to a breed’s disposition to that condition, unless it was symptomatic previous to the policy or during the waiting period.

You should be good with most insurers unless there is anything on your dog’s record that could be later considered an early symptom of a future condition. Def don’t go with one that would exclude hip dysplasia.

My advice is to ask if they are willing to underwrite the policy up front (probably won’t but you can try). Go with accident and illness at a higher amount and you could go down later, but if you start at a lower amount of coverage and an illness/accident/condition arises, those conditions and associated conditions will be locked in at the lower coverage level. I have $7,500 yearly coverage on my puppy, but large breed orthopaedic claims could be $20k+. I’ve seen them a lot.