An orthopedic condition refers to health conditions that involve the musculoskeletal system. The musculoskeletal system is made up of the body’s bones (the skeleton), muscles, cartilage, tendons, ligaments, and joints. Most pet insurance companies have 6-12 month waiting periods for orthopedic conditions to avoid adverse selection. This is one of the many reasons it’s important to enroll your pet while they are young and healthy.
However, if you’d like to reduce the 6-12 month waiting period many companies allow you to submit an orthopedic exam waiver after enrollment. This waiver will waive the 6-12 month waiting period if your pet is found to be healthy during the exam.
Treatment & Costs
Orthopedic conditions are most common in large breed dogs. Treatment can cost as much as $5,000 to $10,000. Here is a list of the most common orthopedic conditions suffered by dogs and cats.
|Orthopedic Condition||Cost to Treat|
|Canine Hip Dysplasia||$4,000 to $6,000|
|Elbow Dysplasia||$3,000 to $5,000|
|Intervertebral Disc Disease||$3,000 to $9,000|
|Luxating Patella||$1,500 to $3,000|
|Degenerative Spinal Stenosis||$2,500 to $5,000|
|Curvature of the Spine||$6,000 to $15,000|
|Disc Disease||$3,000 to $6,000|
|Osteosarcoma||$5,000 to $20,000|
Source: Dog Health Conditions