June 16, 2025
Being prepared for the unexpected is crucial, as veterinary bills can quickly add up and put a strain on your finances. Understanding the most common pet health problems and their associated costs is key to planning ahead and ensuring that your furry friend receives the best possible care.
In this article, we’ll cover the typical health concerns pets face and the average cost of treatments and offer practical tips on how to manage these expenses through insurance and preventive care measures.
Once you know the costs, you can choose which of our best pet insurance providers is right for your best friend.
| Condition | Approx. Cost | Description |
| Hip Dysplasia | $5,000 – $15,000 | Common in large breeds; surgery may be required to restore mobility. |
| Slipped Discs (IVDD) | $2,500 – $8,000 | May cause paralysis; surgery and rehab often necessary. |
| Broken Bones | $2,000 – $6,000 | Treatment includes surgery, imaging, and follow-up care. |
| Arthritis | $500 – $2,500/yr | Ongoing management with meds, supplements, and therapy. |
| Condition | Approx. Cost | Description |
| Bloat (GDV) | $1,500 – $7,500 | Life-threatening condition; emergency surgery required. |
| Foreign Object Removal | $800 – $5,000 | Endoscopy or surgery to remove GI blockages. |
| Vomiting | $350 | May indicate poisoning or obstruction; requires vet care. |
| Worms | $20/month (prevention) | Preventable condition; common in both cats and dogs. |
| Condition | Approx. Cost | Description |
| Periodontal Disease | $400 – $10,000 | May require tooth extractions or oral surgery. |
| Fractured Teeth | Included above | Treated within advanced dental care; pricing overlaps. |
| Condition | Approx. Cost | Description |
| Diabetes | $1,500 – $2,500/yr | Requires ongoing insulin, monitoring, and checkups. |
| Allergies | $300 – $1,200/yr | Managed with medications, dietary adjustments, and vet visits. |
| Condition | Approx. Cost | Description |
| Kennel Cough | $150 – $500 | Common in group settings; preventable with vaccine. |
| Fleas | $30–$60/month | Cause skin issues and infections; prevention is key. |
| Condition | Approx. Cost | Description |
| Kennel Cough | $150 – $500 | Common in group settings; preventable with vaccine. |
| Fleas | $30–$60/month | Cause skin issues and infections; prevention is key. |
| Condition | Approx. Cost | Description |
| Ear Infections | $400 | Often treated with antibiotics or ear drops. |
| Eye Problems | Starts at $165 | May involve infection or cataracts; early exams recommended. |
| Broken Nails | $50 – $300 | Minor but painful; may need bandaging or removal. |
While this list primarily focuses on cats and dogs, there are more exotic pets that may get sick as well (and may need exotic pet insurance). Here is a list of more unique animals and the health problems they may encounter:
Respiratory Problems: Birds, particularly parrots and cockatiels, are prone to respiratory issues such as Aspergillosis, a fungal infection of the airways. Costs for treatment can vary, often starting at around $300 to $1,500, depending on severity and the need for anti-fungal medications.
Feather Plucking: This behavior, often linked to stress or skin conditions, can require veterinary attention. Costs for diagnosis and treatment (which may include behavioral therapy or medication) can range from $100 to $500.
Gastrointestinal Stasis (GI Stasis): Particularly common in rabbits, GI stasis occurs when the digestive system slows down or stops completely. Treatment, including IV fluids, medication, and sometimes surgery, can cost between $500 and $1,500.
Wet Tail (Hamsters): A severe intestinal disease caused by stress or bacteria. Immediate vet care is essential, and treatment (including antibiotics) typically costs around $100 to $300.
Dental Disease (Rabbits and Guinea Pigs): Malocclusion, or overgrown teeth, can be common and require regular dental trimming or surgery. Costs can range from $100 to $400 per treatment.
Metabolic Bone Disease (MBD): Common in reptiles like bearded dragons, iguanas, and turtles, MBD results from calcium deficiencies due to improper diet or lack of UVB lighting. Treatment, including calcium supplements, special diets, and in some cases surgery, can cost $200 to $1,500.
Respiratory Infections: Reptiles are also prone to respiratory infections, particularly in poorly ventilated or unclean environments. Treatment often involves antibiotics and supportive care, costing around $200 to $800.
Adrenal Gland Disease: A common endocrine disorder in ferrets that may require hormone therapy or surgery. The costs of treating adrenal disease can range from $500 to $2,000.
Insulinoma: This is a tumor on the pancreas, which can lead to low blood sugar levels in ferrets. Surgery or medication to manage the condition can cost between $500 and $1,500.
Ich (White Spot Disease): A parasitic infection that affects aquarium fish. Treatment involves medicated tank water, and while the costs are generally low (around $20 to $100 for treatment supplies), severe infections in large aquariums may require professional intervention.
Swim Bladder Disease: Common in fish like goldfish and bettas, swim bladder issues can make it difficult for them to swim properly. Treatment costs are generally minimal, around $50 to $100 for medication and care advice, though larger aquarium setups can raise costs.
Pet insurance typically covers a variety of common health issues for pets, though coverage depends on the specific policy and provider. Here’s an overview of what pet insurance typically covers for common health issues:
Injuries from Accidents like broken bones, foreign object removal, or lacerations.
Chronic Illnesses like diabetes, periodontal disease, hip dysplasia, allergies, arthritis, or cancer.
Acute Illnesses like ear infections, gastrointestinal issues, or respiratory infections.
Preventive Care (with Add-ons) like vaccines, routine exams, spaying/neutering, or flea prevention.
» Want to prevent thousand-dollar vet bills? Check out our deep dive on what pet insurance really covers.
To prevent common pet health issues, ensure regular vet check-ups, including vaccinations and dental care. Feed pets a balanced diet, control portions, and provide daily exercise to prevent obesity. Use flea, tick, and deworming treatments year-round, and keep your pet’s ears clean and dry to avoid infections.
Brush your pet’s teeth regularly, and offer dental toys to maintain oral health. Groom frequently, trim nails, and provide mental stimulation with toys and training. Keep your pet hydrated, and consider spaying/neutering to reduce reproductive health risks.
Make sure that your pet is safe by preventing exposure to toxins. This means that you should pet-proof your home. Keep household cleaners, medications, and plants that are toxic to pets out of reach. Common toxic plants include lilies (to cats), aloe, and philodendron.
One of the most helpful things you can do to prevent pet health issues is to be knowledgeable and aware. Learn the signs of common health problems in your pet, such as vomiting, coughing, limping, or excessive scratching. Make sure to always monitor for changes in behavior and act quickly if health issues arise.
» Want to save even more on pet insurance? Read more about reducing your pet insurance costs.
Preparing financially for pet health emergencies involves being proactive and considering options like pet insurance. Veterinary care can be costly, and unexpected medical treatments can create significant financial strain. Pet insurance is a practical solution, allowing you to manage these expenses without having to sacrifice your pet's care.
Insurance plans can cover everything from medical emergencies and surgeries to hospitalization and even some alternative therapies. With various options available, you can find a policy that fits your budget. Policies often cost as little as $1 per day, offering peace of mind and financial security in case of emergencies.
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Read MoreDavid Kindness is a finance, insurance and tax expert at BestMoney.com. He has written for Investopedia, The Balance, and Techopedia, sharing his deep expertise in taxation, accounting, and finance. A CPA with a Bachelor’s in Accounting, David has worked as a tax specialist and Senior Accountant for high-net-worth clients and businesses in the San Diego area.
