Hip dysplasia in dogs

What is hip dysplasia?

Hip dysplasia is a hereditary developmental condition where the hip joint doesn't form properly. Severity ranges from mild (managed conservatively with weight + medication) to severe (requiring total hip replacement or salvage procedures). It typically presents in young adult dogs as exercise intolerance, hindlimb lameness, or "bunny hopping" gait.

Breeds at higher risk

Most commonly seen in larger breeds: Labrador Retrievers, German Shepherds, Golden Retrievers, Rottweilers, Newfoundlands, Saint Bernards, Bernese Mountain Dogs. Mid-size breeds (Bulldogs, Boxers) and some giant breeds also show notable rates. Mixed-breed dogs from larger parent stock can inherit the trait.

What pet insurance can cover

• Diagnostic imaging (radiographs, sometimes CT)
• Conservative management (medication, physiotherapy, weight management)
• Surgical intervention (FHO, hip replacement, TPO) — high-value items
• Post-op rehabilitation (sometimes; check sub-limit)

The hereditary-cover clause is the biggest question

Hip dysplasia is genetically driven. NZ insurers handle hereditary conditions in three broad ways:

• Covered for life. The strongest shape. Worth significantly more over the dog's life than a small premium difference.
• Covered after waiting period. Common mid-tier pattern. Typically a long waiting period (often 6+ months) before hereditary claims are accepted.
• Excluded. Worst case for at-risk breeds. Verify before signing up.

Bilateral rule

Hip dysplasia frequently affects both hips. If you've claimed on one side, the bilateral rule decides whether the second side is then treated as pre-existing. This rule can save or cost thousands.

Use /find-my-policy with the "breed-prone-to-hereditary-conditions" scenario to rank NZ pet policies on hereditary-clause language.