Does Pet Insurance Cover Hip Dysplasia?

Pet insurance covers hip dysplasia if the condition develops after the waiting periods end or isn’t pre-existing at enrollment.

Find the right pet insurance coverage for your companion below.

Written by Connor Bolton

Updated: June 14, 2026

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Key Takeaways

Pet insurance coverage of standard accident and illness plans include hip dysplasia if symptoms appear after enrollment and waiting periods.

Some insurers like MetLife and Pumpkin include hip dysplasia coverage in their standard plans without age or breed restrictions.

Whether you need pet insurance that covers hip dysplasia depends on your pet’s age, breed and your financial situation.

How Does Pet Insurance Work for Hip Dysplasia?

Pet insurance covers hip dysplasia treatment when you enroll your pet before symptoms appear, paying for diagnostic tests, medications, physical therapy and surgery after you meet your annual deductible. You'll pay the veterinarian bill upfront, then file a claim to get reimbursed for covered expenses according to your policy's reimbursement rate.

Hip dysplasia is a genetic condition where a dog's hip joint doesn't form properly, causing the ball and socket to rub and grind instead of sliding smoothly, making early enrollment important; this condition typically worsens over time without treatment.

What Covers Hip Dysplasia?

Accident and illness pet insurance plans cover hip dysplasia treatment, including diagnostic X-rays, medications, physical therapy and surgical procedures like total hip replacement. Coverage excludes pre-existing conditions, which are conditions diagnosed before enrollment or during waiting periods. Some insurers impose breed or age restrictions and bilateral exclusions, meaning if one hip develops problems before enrollment, insurers won't cover the other hip later, making early enrollment important for comprehensive protection.

Who Has Hip Dysplasia Coverage?

Most pet insurance companies provide reimbursement for hip dysplasia treatment costs through their accident and illness plans, as long as the condition wasn't diagnosed before enrollment or during your policy's waiting period. Compare how major insurers provide hip dysplasia coverage:


AKC	No, you’ll need to purchase the optional HereditaryPlus add-on.
ASPCA	Yes.
Embrace	Yes, and it has no breed restrictions.
Fetch	Yes, and it has no age restrictions.
Figo	Yes, and it has no age restrictions.
Healthy Paws	Yes, and it has no breed restrictions but only pets under six at enrollment are eligible for coverage.
Lemonade	Yes.
Liberty Mutual	Yes.
MetLife	Yes, and it has no age or breed restrictions.
Nationwide	No, you’ll need to add the optional Hereditary and Congenital coverage.
Pets Best	Yes, and it has no age restrictions.
Prudent Pet	Yes.
Pumpkin	Yes, and it has no age or breed restrictions.
Rainwalk	Yes.
Spot	Yes, and it has no breed restrictions.
Trupanion	Yes, and it has no age restrictions.
Wagmo	Yes, but only pets under six are eligible for coverage.

*Coverage details vary by state and individual policy terms. Pet insurance policies have exclusions, limitations, and terms under which coverage may be canceled. Review your specific policy documents for exact coverage terms and exclusions. This information is for educational purposes only and should not replace professional veterinary or insurance advice.

Compare the top pet insurance companies to determine the best option for your pet:

ASPCA vs. Figo Pet Insurance

ASPCA vs. Healthy Paws Pet Insurance

ASPCA vs. Met Life Pet Insurance

ASPCA vs. Pumpkin Pet Insurance

Embrace vs. ASPCA Pet Insurance

Embrace vs. Fetch Pet Insurance

Do You Need Hip Dysplasia Coverage?

Hip dysplasia coverage benefits owners of high-risk breeds, young healthy pets and anyone wanting to manage treatment costs that can reach $10,000. Determine if getting pet insurance with hip dysplasia coverage fits your situation:

1
Your pet's breed is at risk for hip dysplasia
Pet insurance is worth it for certain dog breeds with higher hip dysplasia risks due to genetics. These include:
- German Shepherds
- Labrador Retrievers
- Golden Retrievers
- Great Danes
- Saint Bernards
Hip dysplasia is more common in large-breed dogs, but smaller breeds and some cats are also affected, including Maine Coons, Persians and Himalayans.
2
Your pet is young and healthy
Enrolling before symptoms appear gives you the best chance of coverage, since hip dysplasia becomes a pre-existing condition once diagnosed. Some insurers also apply bilateral exclusions: if one hip develops problems before enrollment, the other hip won't be covered even if issues arise later.
3
You want to manage expensive treatment costs
Hip dysplasia surgery costs range from $800 to $10,000 depending on the procedure, according to CareCredit's 2024 data. Pet insurance that covers hip dysplasia reimburses 60% to 90% of eligible expenses after your deductible, which can recover hundreds or thousands of dollars in treatment costs.

Does Pet Insurance Cover Hip Dysplasia: Bottom Line

Pet insurance covers hip dysplasia as long as the condition develops after enrollment and any waiting period. Companies like MetLife and Pumpkin include this coverage in their standard accident and illness policies without breed or age limits. Consider getting the best pet insurance that covers hip dysplasia if you have a high-risk breed, a young pet or want to manage expensive treatment costs.

What Pet Insurance Covers Hip Dysplasia: FAQ

Find answers to common questions about pet insurance hip dysplasia coverage:

Does pet insurance cover hip dysplasia surgery?

Pet insurance covers surgery costs for hip dysplasia, as long as the condition wasn't pre-existing. Coverage includes procedures like total hip replacement, femoral head ostectomy and pelvic osteotomy, with surgery costs ranging from $800 to $10,000 per hip according to CareCredit.

Note that most insurers include hip dysplasia coverage in their base policies, but some may require you to purchase an optional rider for hereditary conditions, which increases pet insurance costs.

Will pet insurance cover hip dysplasia if it affects both hips?

Most pet insurers cover hip dysplasia affecting both hips, but some have bilateral exclusions. If one hip develops problems before enrollment, insurers with bilateral exclusions won't cover the other hip if it develops issues later. Both hips are usually covered if hip dysplasia develops after your policy starts.

At what age should I get pet insurance for hip dysplasia coverage?

Get pet insurance for hip dysplasia coverage while your pet is young, ideally as a puppy or kitten, since some insurers like Healthy Paws and Wagmo only cover pets under six for hip dysplasia while others have no age limits. Enroll before any symptoms appear since hip dysplasia becomes a pre-existing condition once diagnosed. When purchasing a policy, make sure to compare multiple quotes and read the fine print to get the cheapest pet insurance with quality hip dysplasia coverage.

Which breeds are most at risk for hip dysplasia?

Large dog breeds have the highest hip dysplasia risk, including German Shepherds, Labrador Retrievers, Golden Retrievers, Great Danes and Saint Bernards. Cats can also develop the condition, particularly Maine Coons, Persians and Himalayans, though it's less common in felines.

How long is the waiting period for hip dysplasia coverage?

Waiting periods for hip dysplasia coverage vary by insurer, from Pumpkin and Spot's 14-day wait to Healthy Paws' 12-month waiting period. Most insurers fall between those extremes, with an average waiting period of six months.

What's the difference between accident-only and accident and illness plans for hip dysplasia?

Only accident and illness plans cover hip dysplasia because it's a medical condition, not a trauma injury. Accident-only plans cover injuries like broken bones or cuts. Hip dysplasia is a genetic skeletal condition that develops over time, so it qualifies as an illness.

About Connor Bolton

Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.

The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.

Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.

For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.

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Sources

CareCredit. "Dog Hip Dysplasia Surgery Cost and Procedure Guide." Accessed August 29, 2025.