Is there any pet insurance available that will cover congenital conditions?

My dog is healthy (1.5 years old) but he is a labrador retreiver and I am worrying that he might develop a congenital condition in the future. I don't want to pay monthy for insurance if they won't cover him if say- he was diagnosed with hip dysplasia or something of the sort. Does anyone know of anywhere that covers a dog no matter what breed or what that breed is prone to developing?