Compare Pet Insurance Companies that Cover Hip Dysplasia
Use the table below to compare our top recommended pet insurance companies that cover hip dysplasia:
Is Hip Dysplasia Covered Under Pet Insurance?
Most pet insurance companies cover hip dysplasia, but only under certain conditions. Most importantly, there must not be any signs or symptoms before your policy’s effective date or during the waiting period.
Many providers have a special waiting period for orthopedic conditions, including hip dysplasia, typically six to 12 months. Additionally, there’s often a bilateral condition exclusion, which means that if your pet shows symptoms in one hip before or during the waiting period, dysplasia in the other hip isn’t covered either.
Top Pet Insurance Companies That Cover Hip Dysplasia
Based on our rigorous research, these are the best pet insurance companies for animals with hip dysplasia.
- Spot: Most Customizable Coverage
- Embrace: Our Pick for Savings
- Fetch: Our Pick for Comprehensive Coverage
- Healthy Paws: Most Affordable Unlimited Coverage
- ASPCA: Our Pick for Older Pets
- Pets Best: Our Pick for Vet Direct Pay
- Trupanion: Our Pick for Unlimited Lifetime Payouts
Spot Pet Insurance
Most Customizable Coverage
Embrace
Our Pick for Savings
Fetch Pet Insurance
Our Pick for Comprehensive Coverage
Healthy Paws
Most Affordable Unlimited Coverage
ASPCA Pet Health Insurance
Our Pick for Older pets
Pets Best
Our Pick for Vet Direct Pay
Trupanion
Our Pick for Unlimited Lifetime Payouts
Is Pet Insurance for Hip Dysplasia Worth It?
Pet insurance for hip dysplasia is only worth it if you enroll your pet before it shows signs of the condition. Otherwise, hip dysplasia will be considered a preexisting condition, and you won’t be reimbursed for related costs. Enrolling your pet while it’s still healthy could save you thousands of dollars since hip dysplasia treatments are generally expensive. Most treatments require surgical procedures such as triple pelvic osteotomy and femoral head osteotomy, which can cost $6,000 or more.
Does Hip Dysplasia Have Any Waiting Periods?
There is always a waiting period for hip dysplasia, as there is for all illnesses and conditions. However, many pet insurance policies have much longer waiting periods for hip dysplasia and cruciate ligament problems than for other illnesses and conditions.
Is Hip Dysplasia Covered as a Preexisting Condition?
Preexisting conditions are never covered by pet insurance. If the condition shows up during the waiting period on your policy, it’s considered preexisting.
Should I Buy Pet Insurance for a Pet with Hip Dysplasia?
If your pet is already showing signs of hip dysplasia, you won’t receive coverage for the condition. However, pet insurance will still cover expenses for accidents or unrelated illnesses. So if your pet is still young and healthy but prone to hip dysplasia, it’s worth buying pet insurance now to know it will be covered later. You could save thousands of dollars.
Other Pet Insurance Resources
- Best Pet Insurance
- Cheap Pet Insurance
- Best Pet Insurance For Preexisting Conditions
- How Much Does Pet Insurance Cost?
Frequently Asked Questions About Hip Dysplasia
Here are some symptoms of hip dysplasia your dog may exhibit.
- Limping
- Reluctance to stand up or climb stairs
- Weakness or pain in the hind legs
- Wobbly gait
You can get pet insurance if your dog already has hip dysplasia, but costs related to the condition won’t be covered. If your pet’s breed is prone to hip dysplasia, it’s best to enroll it while it’s still healthy to ensure hip dysplasia costs will be covered later.
If you don’t have pet insurance before your pet develops hip dysplasia, you’ll be responsible for all vet bills associated with treatment, including exam fees, X-rays, hospitalization, medication and possibly surgery.
According to the Washington state vet clinic Tumwater, surgery to correct hip dysplasia costs an average of $3,500 to $7,000 per hip. The total cost depends on your pet’s health, age and size.
