The Four Most Common Dog Health Insurance Claims

Dog health insurance provides dog owners with individualized coverage for their dog's medical costs. Everyone loves their dogs, but most people can't afford the expensive medical bills that are often necessary to make their dogs happy and healthy. Some owners must even choose between acquiring thousands of dollars in debt and putting their dog to sleep. If you think pet health insurance is a waste of money, consider the four most common dog medical insurance claims.

Routine Care

Routine care is the most common dog health insurance claim because it's the most common reason for a visit to the vet, particularly with younger, healthier dogs. Pet health insurance can cover all or part of your dog's:

  • annual examination
  • vaccinations
  • titers
  • heart-worm testing
  • flea control medicines
  • microchipping

Common Care

The second most common dog health insurance claim involves other forms of common care that aren't necessarily a requirement for every dog each year. This includes:

  • dental cleanings and surgeries
  • neutering
  • spaying
  • urine analysis
  • kidney testing

Illnesses and Common Medical Conditions

The older the dog is, the more likely he is to suffer from illnesses and common medical conditions. The cost of dog health insurance will likely go up as your dog gets older and/or starts showing signs of suffering from recurring medical conditions. However, what you save on medical bills may more than make up for the increase in price. The most common dog illness and medical condition claims include:

Common Illnesses

Common illnesses seen in dogs of all ages include:

  • ear infections
  • constipation
  • diarrhea
  • vomiting
  • urinary tract infections
  • conjunctivitis
  • skin infections
  • pyoderma

These make up nearly a quarter of all dog health insurance claims.

Long term medical care - Common medical conditions that may not be serious but nonetheless require expensive care include:

  • asthma
  • allergies
  • hypothyroidism
  • digestive disorders
  • arthritis
  • diabetes

Serious medical care - Some of the most expensive pet health insurance claims result from common and serious (if untreated) problems in dogs, especially seniors, including:

  • back problems
  • kidney failure
  • cancer
  • tumors
  • cardiovascular illness


One of the primary purposes of any insurance is to have coverage for the unforeseen. Dog health insurance providers often cover all or part of accidents requiring dog medical care, such as being hit by a car, being attacked by another animal, becoming poisoned, suffering from hypothermia and heat stroke, and any other accident involving a broken bone, laceration or other wound.