How does pet insurance hip dysplasia coverage work?

If your pet receives covered surgery or care due to hip dysplasia, your pet insurer will typically reimburse you or your vet for the covered amount. Note that your pet's hip dysplasia will need to be ruled out as a pre-existing condition before coverage for treatment can apply. If your pet's hip dysplasia is covered, any medical treatment from a licensed veterinarian (in the U.S. or Canada if you have Progressive Pet Insurance by Pets Best) is eligible for reimbursement, up to your plan's limit.

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Does pet insurance cover hip dysplasia?

Comprehensive pet insurance can typically cover hip dysplasia treatment, unless the condition is deemed pre-existing. The BestBenefit plan from Progressive Pet Insurance by Pets Best covers treatment for injuries and illnesses, including hereditary and congenital conditions like hip dysplasia, as long as there were no signs of it before the waiting period ended.

Note that hip dysplasia coverage through cat insurance or dog insurance typically depends on if it was a pre-existing condition and which plan you have. And some insurers won't cover hip dysplasia surgery or treatment if your pet's breed has a genetic disposition for the condition — they consider it a pre-existing condition for certain breeds. Some insurers employ a longer waiting period specifically for common genetic issues like hip dysplasia.

What treatments are covered for hip dysplasia?

If your pet's hip dysplasia is covered, you can make a claim for any hip dysplasia treatment conducted by a licensed vet (in the U.S. or Canada, for Pets Best). Coverage can include hip dysplasia treatment like surgery and physical therapy up to your plan's limit. You may have also purchased extra coverage for chiropractic care and eligible prescriptions that you can use.

You typically can't use pet insurance to pay for holistic treatments or supplements, but some may be covered by a Pets Best plan if they're included in Pets Best's veterinary formulary.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.