Pet Health Conditions & Insurance
Understanding common pet health conditions helps you choose the right insurance coverage. Learn about treatment costs, which breeds are at risk, and how insurance covers each condition.
Hip Dysplasia
Treatment Cost Range
$1,500–$12,000
Cancer in Pets
Treatment Cost Range
$3,000–$25,000+
ACL/CCL Tears (Cruciate Ligament Disease)
Treatment Cost Range
$3,500–$7,000 per knee
Bloat (Gastric Dilatation-Volvulus / GDV)
Treatment Cost Range
$3,000–$10,000
Intervertebral Disc Disease (IVDD)
Treatment Cost Range
$2,000–$15,000
Diabetes Mellitus
Treatment Cost Range
$2,000–$5,000/year ongoing
Chronic Kidney Disease (CKD)
Treatment Cost Range
$2,000–$8,000/year ongoing
Osteoarthritis (Degenerative Joint Disease)
Treatment Cost Range
$500–$3,000/year ongoing
Cataracts
Treatment Cost Range
$3,000–$5,000 per eye
Pancreatitis
Treatment Cost Range
$2,000–$8,000 per episode
Allergies & Atopic Dermatitis
Treatment Cost Range
$1,000–$5,000/year ongoing
Heart Disease (Cardiac Disease)
Treatment Cost Range
$2,000–$10,000/year ongoing
Seizures & Epilepsy
Treatment Cost Range
$1,500–$5,000/year ongoing
Urinary Tract Disease (UTI, FLUTD, Bladder Stones)
Treatment Cost Range
$500–$5,000 per episode; surgery for stones: $2,000–$4,000
Luxating Patella (Dislocating Kneecap)
Treatment Cost Range
$1,500–$5,000 per knee
Cherry Eye
Treatment Cost Range
$500–$3,000 per eye
Hypothyroidism
Treatment Cost Range
$500–$1,500/year ongoing
Hyperthyroidism
Treatment Cost Range
$500–$3,500 (curative) or $300–$1,000/year (medical management)
Periodontal Disease
Treatment Cost Range
$400–$3,000+ per dental procedure
Obesity-Related Conditions
Treatment Cost Range
$0 (prevention) to $5,000+ annually for downstream conditions
Chronic Ear Infections
Treatment Cost Range
$150–$500 per episode; $5,000+ cumulative for chronic cases
Feline Lower Urinary Tract Disease (FLUTD)
Treatment Cost Range
$500–$5,000 per episode (urethral obstruction can exceed $5,000)
Lymphoma
Treatment Cost Range
$5,000–$15,000 for full CHOP chemotherapy protocol
Mast Cell Tumors
Treatment Cost Range
$500–$10,000 depending on grade, location, and whether chemotherapy is needed
Portosystemic Shunt (Liver Shunt)
Treatment Cost Range
$5,000–$10,000 for surgical correction