Pet Insurance That Covers Hip Dysplasia | LendEDU

Hip dysplasia is one of the most prevalent and serious conditions affecting dogs and cats today, according to the Orthopedic Foundation for Animals. While the frequency of hip dysplasia is based on both genetics and the age of your pet, some breeds have rates of occurrence approaching 50% or higher.

In addition to being a painful condition for your pet, hip dysplasia is also a very expensive condition to treat. Excluding medications, vet visits, therapies, and other treatments, hip dysplasia surgery alone can cost more than $4,500. Having pet insurance that covers this disease can save pet owners thousands (or even tens of thousands) of dollars over the life of their pet.

Reading: What pet insurance covers hip dysplasia

When it comes to finding pet insurance that covers hip dysplasia, there are definitely options available. Here’s a rundown of which pet insurance policies cover hip dysplasia, how much coverage they offer, and what to do to make sure your pet’s care is included.

in this guide:

  • why hip dysplasia coverage is important
  • 5 Pet Insurance Companies That Cover Hip Dysplasia
  • why hip dysplasia coverage is important

    Hip dysplasia is an inherited and often bilateral condition that occurs when your pet’s hip joints do not function as expected. Most of the time, this happens if your pet’s hip socket and the head of the femur don’t fit together properly. Hip dysplasia is usually a progressive disease that can cause your pet pain and make it increasingly difficult for him to walk, run, stand and enjoy life.

    Hip dysplasia occurs most often in large dogs, such as German Shepherds and Brazilian Mastiffs. however, any size of dog can be affected. Cats are also not immune to hip dysplasia, as certain purebred cats and large-boned breeds are susceptible. however, this condition is more common in dogs than cats in general.

    When it comes to getting hip dysplasia treatment covered by your pet’s insurance company, the date of diagnosis is crucial. If your pet already showed signs of hip dysplasia or had a diagnosis from your veterinarian before you got pet insurance coverage (or during that policy’s waiting period), it will be considered a pre-existing condition.

    Unfortunately, you won’t find pet insurance that covers pre-existing hip dysplasia, as pet insurance plans never cover costs related to pre-existing conditions.

    If your pet’s breed is more likely to be diagnosed with hip dysplasia, you can usually still purchase coverage. however, some plans may exclude hip-related claims during a longer waiting period or during the first few years of your pet’s life.

    5 pet insurance companies that cover hip dysplasia

    Let’s take a look at five popular pet insurance companies that offer coverage for hip dysplasia and what that specific coverage entails.

    lots of pets

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    manypets is a pet insurance company that offers accident and illness coverage for your pet, as well as an optional wellness plan. This standard insurance plan will reimburse pet owners for up to 100% of eligible pet care costs, including condition-related exams, diagnostic tests, medications, treatments, and even surgeries.

    manypets hip dysplasia coverage

    Hip dysplasia and other hereditary conditions are covered through manypets, as long as there is no indication that it is a pre-existing condition and the pet is not six years or older on the effective date of the policy.

    There is a 15-day waiting period for illness and injury coverage, during which you will not be reimbursed for any claims. If your pet is diagnosed with any illness or condition during this waiting period, it will be considered pre-existing and will be excluded from coverage.

    Pet owners can choose a plan that reimburses 80%, 90%, or 100% of their pet’s eligible care costs. there is no limit to the number of claims you can file. deductibles are available at $0, $100, $250, $500, or $750.


    Pet insurance through Spot is available for both dogs and cats, with plans that cover care related to illness and injury (including hip dysplasia), as well as an optional preventive care plan.

    spot hip dysplasia coverage

    Owners can receive reimbursement for everything from tests related to their pet’s hip dysplasia to specialty care, alternative therapies, diagnostic tests, treatments, medications, and surgery, as long as it’s not a pre-existing condition.

    Pet owners can choose a pet insurance plan with an annual benefit limit ranging from $2,500 to unlimited coverage. reimbursement for eligible care expenses may be at a rate of 70%, 80%, or 90%, with an annual deductible between $100 and $1,000.

    There is a 14-day waiting period before you can claim any coverage expenses for your pet. If your pet requires care during this time or signs of hip dysplasia are seen before this waiting period is over, it will generally be considered a pre-existing condition.


    With ASPCA’s full coverage pet insurance plans, your pet’s care expenses are covered for any number of illnesses and injuries, including hereditary and congenital conditions like hip dysplasia.

    aspca hip dysplasia coverage

    As long as hip dysplasia is not a pre-existing condition, aspca will help cover eligible expenses for your dog or cat, such as diagnostic tests, treatments, prescription medications, alternative therapies, and surgery.

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    Pet owners can choose a $100, $250 or $500 annual deductible when purchasing ASPC pet insurance coverage and have the option of an accident-only plan or an accident and illness plan. If you want your pet’s hip dysplasia to be covered, you’ll need to select accident and illness protection from a comprehensive coverage plan.

    Eligible care expenses may be reimbursed at a rate of 70%, 80%, or 90%, with annual benefits from $3,000 to unlimited. there is a 14-day waiting period for both injuries and illnesses. As long as your pet is not diagnosed with hip dysplasia before the end of this period, they will be covered.


    Pet insurance plans through coverage embrace genetic and hereditary conditions such as hip dysplasia, as long as the condition is not considered pre-existing. With this coverage, pet owners can be reimbursed for pet care expenses related to exams, tests, rehabilitation, treatment, surgery, and more.

    hugging hip dysplasia coverage

    embrace covers bilateral conditions, as long as neither side is pre-existing; if either party has pre-existing care or a diagnosis, the other party is excluded from future coverage.

    holding periods per hug are 14 days for illnesses, 48 ​​hours for accidents, and six months for any orthopedic conditions. This means you won’t be able to make a claim for your pet’s hip dysplasia care for the first six months of your policy. Fortunately, this six-month waiting period can be shortened to 14 days, as long as you visit your vet and have them complete an orthopedic exam and waiver.

    There is no lifetime maximum on this coverage, just an annual limit that you choose when you buy your policy, which ranges from $5,000 to $30,000. pet owners can choose a 65%, 70%, 80%, or 90% reimbursement percentage, with an annual deductible of $200 to $1,000.

    find pet

    fetchpet (formerly petplan) is another pet insurance company that offers coverage for conditions like hip dysplasia. As long as this condition is not pre-existing when you purchase the policy, FetchPET coverage can reimburse you for everything from exams to diagnostic and imaging tests, treatments, therapies, surgery, rehabilitation and more.

    fetchpet hip dysplasia coverage

    With fetchpet, you can create a pet insurance plan that offers reimbursement at a rate of 70%, 80%, or 90% of eligible care expenses. annual deductibles can be $300, $500, or $700, with annual benefit limits ranging from $5,000 to unlimited.

    There is a waiting period of up to 15 days (depending on your state) for both injuries and illnesses. however, hip and knee problems have an additional six-month waiting period. while the knee waiting period can be avoided with a special veterinary exam, hip conditions should wait.

    This means that if your pet is diagnosed with hip dysplasia or shows symptoms related to the condition before they are six months old (from the time your policy went into effect), it will be considered a pre-existing condition.

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    Summary of pet insurance for hip dysplasia