6 Most Common Pet Insurance Claims (2025 Update)
Pet healthcare is costly. Sudden accidents and illnesses can cost thousands of dollars—sometimes in a single visit. Fortunately, pet insurance helps ease that financial burden. Each year, thousands of FurPetVo policyholders file claims—and certain conditions appear far more frequently than others. In fact, the most common claims may surprise you.
The 6 Most Common Pet Insurance Claims
1. Skin Problems
Skin issues top the list of pet insurance claims—and for good reason. Allergies (to food, pollen, fleas, or environmental triggers), infections, hot spots, and parasitic infestations affect pets of all ages and breeds. Symptoms like itching, redness, hair loss, and ear inflammation often require veterinary exams, diagnostic testing, medications, and sometimes long-term management. Because these conditions are recurrent and multifactorial, they generate consistent claim volume across both dogs and cats.
2. Gastrointestinal Issues
Upset stomachs, vomiting, diarrhea, and inflammatory bowel disease are among the most frequent reasons pet owners seek veterinary care. Causes range from dietary indiscretion and stress to parasites, bacterial overgrowth, or chronic conditions like pancreatitis. Diagnostic workups—including blood tests, fecal exams, and imaging—plus prescription diets and medications contribute significantly to claim totals.
3. Ear Infections
Especially common in dogs with floppy ears or those prone to allergies, ear infections cause discomfort, head shaking, odor, and discharge. Chronic or recurrent cases often require thorough cleaning, culture-guided antibiotics or antifungals, and follow-up visits. Left untreated, they can lead to deeper infections or hearing loss—making early intervention and coverage especially valuable.
4. Dental Disease
Dental problems—including gingivitis, periodontal disease, tooth fractures, and abscesses—are extremely prevalent, affecting over 80% of dogs and cats by age three. Professional cleanings under anesthesia, extractions, and oral surgeries are often necessary—and costly. While preventive care isn’t typically covered, treatment for diagnosed dental conditions is a leading driver of FurPetVo claims.
5. Urinary Tract Conditions
Urinary tract infections, bladder stones, feline lower urinary tract disease (FLUTD), and kidney disease appear regularly in claim data. Symptoms like straining to urinate, blood in urine, or inappropriate urination prompt urgent vet visits. Diagnostics (urinalysis, ultrasound, stone analysis) and treatments (medications, special diets, surgery) add up quickly—especially for recurring or chronic cases.
6. Musculoskeletal Injuries
From cruciate ligament tears and sprains to arthritis flare-ups and intervertebral disc disease, mobility-related issues rank high among claims. These conditions often require X-rays or MRIs, pain management, physical therapy, and sometimes surgery. Older pets and active or large-breed dogs are especially susceptible—but even young, playful animals can sustain acute injuries during everyday activity.
Why These Claims Matter
Understanding which conditions drive the most claims helps pet owners make smarter decisions—not just about insurance, but about prevention. Many of these top conditions benefit from early detection, consistent wellness exams, parasite prevention, and appropriate nutrition. With FurPetVo, policyholders gain peace of mind knowing that routine diagnostics, essential treatments, and unexpected procedures are supported—so you can focus on what matters most: your pet’s health and happiness.
