Bramble had a small umbilical hernia which our Vet noticed when we took him for his first check up/second vacc.
The problem with claiming on the insurance (even if the breeder did not disclose this on the form) is that it was clearly a pre-existing condition, and, as such, should have been noted by the breeder, their Vet., and (supposedly) me as the owner when I accepted the puppy.
Bramble's hernia was not big enough to give much concern, but again was sufficient for us all to agree that he have it repaired at the same time he was castrated. You live and learn, and as I get more experience, I know more things to look out for, but his Breeder should have (and possibly did) know about this condition, and yet said nothing, either to me or to PetPlan.
An awful lot of them are just in it for the money, and I am a firm believer in the school of thought that says that all Breeders should be constantly vetted for their environment, the way they socialise (or not!) their puppies and the Health Checks that they have done, and what recourse anyone has who finds that they have 'bought a pup' !!!