Health Conditions & Coverage

High-cost conditions sorted by treatment cost. Learn what each costs, which breeds are most affected, and which providers cover it.

Cancer (All Types)

Cancer

Includes lymphoma, hemangiosarcoma, mast cell tumors, and osteosarcoma. Golden Retrievers and other high-risk breeds have a 60%+ lifetime cancer incidence across all types.

Cost: $5,000 – $15,000

IVDD (Intervertebral Disc Disease)

Orthopedic

Disc degeneration in the spine causing pain, weakness, or paralysis.

Cost: $3,000 – $10,000Hereditary

Cruciate Ligament Tear (ACL/CCL)

Orthopedic

Torn knee ligament requiring surgery. 40-60% chance the other knee will tear too.

Cost: $3,500 – $8,000

Heart Disease (DCM)

Cardiac

Dilated cardiomyopathy — enlarged heart with weakened pumping ability.

Cost: $2,000 – $8,000ChronicHereditary

Bloat/GDV (Gastric Dilatation-Volvulus)

Digestive

Life-threatening stomach twisting requiring emergency surgery.

Cost: $3,000 – $7,500

Hip Dysplasia

Orthopedic

Abnormal formation of the hip socket leading to arthritis and lameness.

Cost: $1,500 – $7,000ChronicHereditary

BOAS (Brachycephalic Obstructive Airway Syndrome)

Respiratory

Breathing difficulties in flat-faced breeds due to narrowed airways.

Cost: $2,000 – $5,000ChronicHereditary

Chronic Kidney Disease (CKD)

Renal

Progressive loss of kidney function, especially common in senior cats.

Cost: $1,000 – $5,000Chronic

Diabetes Mellitus

Endocrine

Inability to regulate blood sugar, requiring lifelong insulin management.

Cost: $1,500 – $3,000Chronic

Skin Allergies / Atopic Dermatitis

Dermatologic

Chronic itching, redness, and skin infections triggered by environmental or food allergens.

Cost: $500 – $2,000Chronic