A Trupanion pet insurance study has found a significant increase in the number of claims in specialty medicine, indicating that policyholders are investing in advanced care to ensure their pets receive the best treatment possible.
Neurology and cardiology claims increased the most, and the most notable rise in veterinary fees were seen in dentistry and cardiology.
“While pricing adjustments were necessary to sustain the long-term health and viability of the veterinary industry, the rising cost of care can be a significant concern for pet parents and veterinary professionals alike,” said Margi Tooth, Trupanion’s president and CEO. “Our data shows a notable increase in specialty care claims, demonstrating that pet parents, empowered by high-quality insurance, have continued to prioritize their pet’s health.”
The study evaluated data from December 2019 through November 2024.
Findings by specialty are shown below for dogs and cats. Also listed are the percentage increase in claims and the top conditions.
Neurology
- Canine: up 47%; meningitis, intervertebral disc disorder (IVDD) and vestibular disease
- Feline: up 28%; IVDD, mass lesions and hydrocephalus.
Dermatology
- Canine: up 41%; mast cell tumors, dermatitis and pyoderma.
- Feline: up 27%; mast cell tumors, anal sac abscesses and dermatitis
Dentistry
- Canine: up 34%; periodontal disease, dental fractures and retained deciduous teeth
- Feline: up 20%; periodontal disease, feline odontoclastic resorptive lesions and dental fractures.
Cardiology
- Canine: up 55%; cardiac failure, cardiac dysrhythmias and systemic hypertension.
- Feline: up 47%; cardiac failure, hypertrophic obstructive cardiomyopathy and systemic hypertension.
Oncology
- Canine: up 47%; osteosarcoma, oral melanocytic neoplasms and gallbladder neoplasms.
“The data speaks for itself,” said Dr. Steve Weinrauch, Trupanion’s chief product and veterinary officer. “High-quality pet medical insurance is not just about managing costs. It is about investing in the health and well-being of our beloved companions and ensuring they have access to the best possible care, now and in years to come.”