10 Most Common Pet Insurance Claims

10 Most Common Pet Insurance Claims: Pet healthcare expenses can be quite high, especially when unexpected accidents or illnesses occur. However, pet insurance can be a valuable resource in mitigating these costs. 

Many pet owners file insurance claims each year, highlighting certain types of claims that are more frequent than others. Let’s explore the 10 most common pet insurance claims that have emerged in recent years.

See Also: What Factors Will Affect Pet Insurance Premium?

Skin Problems in Pets

Skin problems are a prevalent issue among pets, surpassing common perceptions, and it is 10 most common pet insurance claims. 

Your pet may likely experience one of these conditions at some point. Fortunately, veterinary care offers effective treatment options, although they can be costly. Some skin problems may become chronic, necessitating multiple visits to the vet.

Allergic Skin Diseases in Domestic Cats: Allergies to various substances, including pet food and pollen, often result in skin problems. The most commonly affected areas are the feet and ears, exhibiting signs such as discharge and scabbing. 

Persistent scratching and biting worsen the condition, requiring professional veterinary care. Prompt treatment is crucial to prevent the issue from escalating.

Ringworm: Despite its misleading name, ringworm is a contagious fungal infection. Treatment typically involves oral medications or medicated shampoo prescribed by a veterinarian.

Flea-Related Skin Issues: Fleas can cause skin problems in pets, although veterinary care might not always be necessary. 

Severe flea infestations may require vet-strength medications. Additionally, oral antihistamines can alleviate symptoms during the recovery phase.

The average cost of skin treatments usually falls below $1,000. However, chronic conditions may result in higher veterinary bills, as ongoing care and multiple visits may be necessary.

See Also: How to Choose The Right Pet Insurance?

Stomach Problems in Pets

Stomach problems rank just as high as skin problems in terms of reported cases. Various types of stomach issues exist, with some being more prevalent than others. The leading cause of stomach problem claims is pets consuming inappropriate substances, such as toxic foods or inedible objects.

Pancreatitis: This condition arises from severe inflammation and can be triggered by excessive fat intake or certain medications. Sometimes, pancreatitis occurs without any identifiable cause.

Parasites and Worms: Parasite infestations are exceedingly common among pets. In such cases, deworming medications prescribed by a veterinarian are required. 

Some vets even recommend regular deworming for dogs due to the high prevalence of parasites.

Bacterial and Viral Infections: Various bacteria and viruses can lead to stomach problems in pets. 

Parvovirus, transmitted through fecal matter, poses a significant health risk. Additionally, E. coli and Salmonella infections can cause gastrointestinal issues.

Seizures in Pets

Contrary to popular belief, seizures are not as rare as one might think, affecting pets for a variety of reasons. Factors such as heatstroke, head injuries, ingestion of toxic substances, certain medications, and even specific human foods can trigger seizures. 

Certain breeds are more prone to epilepsy, including German Shepherds, Border Collies, Poodles, Labrador Retrievers, and Beagles. Fortunately, seizures are less common in cats. However, the subsequent condition is highly prevalent among felines.

Urinary Tract Infections in Pets

Urinary tract infections (UTIs) can affect all animals, but cats are particularly prone to them. Due to their unique thirst mechanics, cats are more susceptible to dehydration, which can contribute to UTIs. While older cats are at a higher risk, these infections can occur at any age.

Treatment for UTIs typically involves antibiotics, and although not excessively costly, it may be accompanied by testing and multiple vet visits, resulting in several hundred dollars in expenses. Pets that experience one UTI are more likely to develop recurring infections, necessitating frequent trips to the vet. Pet insurance can help alleviate some of the financial burden associated with UTI treatment.

Ear Infections in Pets

Ear infections are common in both cats and dogs, and there are various types and causes. Certain breeds are more susceptible to ear infections, particularly dogs with floppy ears that tend to trap moisture and dirt. Regular ear cleaning is essential in preventing infections, but some cases may still occur.

Untreated ear infections can lead to permanent hearing damage and even neurological issues, as an animal’s balance relies significantly on its ears. While mild ear infections may only require treatment costing around a hundred dollars, severe conditions can result in thousands of dollars in expenses, excluding any complications that may arise.

More: What Does Pet Insurance Cover and Not Cover?

Kidney Problems in Pets

Kidney problems often manifest as complications of other conditions. Cats are prone to kidney issues, which can develop following a severe UTI. Dogs can also experience kidney problems from toxin ingestion or spinal damage, with certain breeds being more susceptible.

One significant challenge with kidney problems is their chronic nature. Once diagnosed, pets will have kidney issues for life, necessitating dietary changes and ongoing medication to manage the damage. Surgeries can become more complex when kidney problems are present, increasing the likelihood of complications from other conditions.

Consequently, the cumulative cost of managing kidney problems can be substantial. Over a dog’s lifespan, expenses to address kidney damage and treat related complications can amount to thousands of dollars.

See Also: What Happens To Term Life Insurance If You Don’t Die

Diabetes in Pets

Diabetes can affect pets, with cats being particularly prone to the condition. Type I diabetes, where the body does not produce insulin, is commonly found and treated in younger cats. However, as cats age, being overweight increases their susceptibility to Type II diabetes. This chronic disease requires ongoing treatment and can contribute to other health issues such as urinary tract infections (UTIs) and kidney problems, thereby elevating the overall claim amount for treatment.

Gastrointestinal Issues in Dogs

Gastrointestinal issues rank among the most common pet insurance claims for dogs. Digestive upset can stem from various factors, including blockages caused by objects trapped in the intestinal tract. Additionally, dogs can experience stomach issues due to bacteria, viruses, parasites (including worms), dietary allergies, or bloating. All these conditions are significant and demand immediate veterinary attention.

Gastrointestinal Issues in Cats

Similar to dogs, cats are susceptible to various gastrointestinal problems. In cats, stomach issues can result from ingesting foreign bodies or developing inflammatory bowel disease. Unfortunately, the rising prevalence of cat obesity contributes to many gastrointestinal problems faced by felines.

Cancer in Pets

Certain dog breeds exhibit a higher predisposition to cancer. For instance, studies indicate that approximately 61% of Golden Retriever deaths are attributed to cancer. Therefore, monitoring your retriever’s behavior becomes crucial in detecting any unusual signs or symptoms promptly. 

Early detection significantly increases the chances of survival, as nearly 50% of all canine cancers are curable when identified in the early stages. However, cancer treatment can become incredibly expensive. Having pet insurance can be highly beneficial in managing the financial burden associated with cancer treatment for pets.

More: How to Find Out If Someone Has Life Insurance After They Die

Final Thoughts

Pets can fall ill due to various factors, leading to potential health concerns for their owners. However, it’s worth noting that the most common pet insurance claims revolve around skin and stomach issues. Additionally, urinary tract infections (UTIs) are frequently reported in cats, while ear infections and kidney problems are relatively common in both dogs and cats.

By opting for pet insurance, you can potentially save a significant amount of money and avoid the burden of unexpected expenses resulting from sudden illnesses or accidents affecting your beloved pets. 

See Also: How Do I Know If I Am a Beneficiary of a Life Insurance Policy


What are the 4 types of pet insurance?

There are four main types of pet insurance – Lifetime, Annual (or time limited), Accident only and Maximum benefit.

What are the key things to look for in pet insurance?

These can include (but are not limited to): the type of policy; age of your pet; your pet’s health; claims or treatment history; where you live; purchase price; the breed of your pet; and if it is male or female. Claims costs and the amount vets charge for treatment can also impact premiums

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