Coverage guide

Does pet insurance cover hip dysplasia?

Hip dysplasia is often covered if it isn't pre-existing or congenital-excluded — but rules and waiting periods vary by insurer.

⚠️ Partially covered. Hip dysplasia is often covered if it isn't pre-existing or congenital-excluded — but rules and waiting periods vary by insurer.

Many plans cover diagnosis and surgery for hip dysplasia (FHO or total hip replacement, roughly $1,500–$7,000), provided no symptoms appeared before coverage.

Some insurers apply a longer waiting period (often six months) specifically for hip and other orthopedic conditions, and a few exclude hereditary/congenital conditions entirely.

Large and giant breeds are most affected, so check the orthopedic clause before enrolling one.

What to do

For at-risk breeds, read the orthopedic waiting period closely and enroll early. See typical surgery costs in the vet cost estimator.

Try next: Is pet insurance worth it? · Reimbursement calculator · Vet cost estimator

General information based on standard North American pet insurance practice. Coverage varies by insurer and policy — always read your documents. Not financial or veterinary advice.

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Frequently asked questions

Hip dysplasia is often covered if it isn't pre-existing or congenital-excluded — but rules and waiting periods vary by insurer.

Yes. Pet insurance never covers pre-existing conditions, so enrolling while your pet is young and healthy is when coverage is broadest and cheapest.

After your deductible, the insurer reimburses your plan percentage (commonly 70%, 80%, or 90%) up to your annual limit. Use the reimbursement calculator to see the exact figure for any bill.