Pet Insurance for Cataracts

What is Cataracts?

Cataracts are an opacity of the lens inside the eye that blocks light from reaching the retina, causing progressive vision loss. In dogs, cataracts are one of the most common causes of blindness and are frequently hereditary, though they can also develop secondary to diabetes, trauma, or aging. Surgical removal is the only effective treatment, and modern phacoemulsification surgery has a success rate of 90–95%.

Symptoms

Diagnosis & Treatment

Diagnosis involves a complete ophthalmic examination by a veterinary ophthalmologist, including slit-lamp biomicroscopy to assess cataract maturity, tonometry (eye pressure), and electroretinography (ERG) to confirm retinal function before surgery. Ultrasound may be used if the cataract is too dense for retinal visualization.

Phacoemulsification surgery (ultrasonic lens removal with artificial lens implantation) is the gold standard treatment, with a 90–95% success rate for restoring vision. The procedure costs $3,000–$5,000 per eye and requires general anesthesia. Post-operative care includes multiple eye medications for 4–8 weeks and activity restriction. Without surgery, cataracts can progress to lens-induced uveitis (painful inflammation).

Breeds at Risk

Insurance Coverage for Cataracts

Cataract surgery is covered by most pet insurance carriers as a hereditary/genetic condition or illness. Given the high cost per eye and the potential for bilateral cataracts, insurance is particularly valuable. Healthy Paws covers cataract surgery with unlimited payouts — important since bilateral surgery can total $6,000–$10,000.

Prevention Tips

Hereditary cataracts cannot be prevented, but choosing breeders who screen for eye diseases through CERF (Canine Eye Registration Foundation) reduces risk. For diabetic cataracts, tight blood sugar control can slow progression. Protect eyes from UV exposure and trauma. Antioxidant supplements may support lens health, though evidence is limited.