The Most Common Pet Insurance Claims

Weighing if pet insurance is worth it? We asked pet insurance company Pets Plus Us for their most claimed conditions, and what they pay out. Of course, some claims far exceed the average, such as recent “Claim of the Month” alum Will, an American Pit Bull Terrier whose foreign body removal cost upwards of $4,600. (What did you get into, Will?!)

Forbes estimates that for dogs, pet insurance generally ranges from $20 to $44 USD a month, though cost varies according to breed, region, age, and pre-existing conditions. On average, Pets Plus Us receives 1.5 claims per year per policyholder. Peace of mind? Priceless.

Top 5 Claimed Health Conditions

1. ALLERGIES
AVG. CLAIM PAYOUT: $138
AVG. SUBMITTED AMOUNT: $186

2. SKIN MASS/CYST/LUMP
AVG. CLAIM PAYOUT $310
AVG. SUBMITTED AMOUNT: $466

3. CRUCIATE LIGAMENT TEAR/RUPTURE
AVG. CLAIM PAYOUT $750
AVG. SUBMITTED AMOUNT: $1,075

4. GASTROENTERITIS
AVG. CLAIM PAYOUT: $267
AVG. SUBMITTED AMOUNT $380

5. FOREIGN BODY INGESTION REMOVAL
AVG. CLAIM PAYOUT $795
AVG. SUBMITTED AMOUNT $1,097

Photo anton_dios/bigstock.com

RISK FACTOR

Assess your dog’s risk for developing common, inherited diseases. Developed by veterinarians and PhD geneticists, the Canine HealthCheck test from Paw Print Genetics screens your pooch for over 250 inherited diseases and traits with results returned within 14 days or less! You’ll receive results for each gene tested as normal, a carrier, or at-risk for each disease. ($190, caninehealthcheck.com)

This article originally appeared in the award-winning Modern Dog magazine. Subscribe today!