Does pet insurance cover hip dysplasia in dogs?

Yes, most NZ pet insurance policies cover hip dysplasia treatment if it wasn't a pre-existing condition. Surgery costs range from $3,000-$8,000, making insurance coverage valuable.

How much does hip dysplasia surgery cost in New Zealand?

Hip dysplasia surgery in NZ costs between $3,000-$8,000 depending on the procedure type and severity. Total hip replacement is the most expensive option.

Which dog breeds are most prone to hip dysplasia?

Large breeds most affected include German Shepherds (19%), Golden Retrievers (20%), Labradors (13%), Rottweilers, and Saint Bernards.

Hip Dysplasia in Dogs: Symptoms, Treatment & Insurance Coverage NZ 2025

Hip dysplasia is one of the most common orthopedic conditions affecting dogs in New Zealand, particularly large and giant breeds. This hereditary condition can significantly impact your dog's quality of life and result in substantial veterinary costs, making pet insurance coverage a crucial consideration for dog owners.

What is Hip Dysplasia?

Hip dysplasia occurs when the hip joint fails to develop properly, causing the ball and socket to rub and grind instead of sliding smoothly. This abnormal development leads to deterioration over time and eventual arthritis.

Most Affected Breeds

• German Shepherds (19% affected)
• Golden Retrievers (20% affected)
• Labradors (13% affected)
• Rottweilers
• Saint Bernards

Risk Factors

• Genetic predisposition (80% hereditary)
• Rapid growth in puppies
• Excessive exercise in young dogs
• Obesity increasing joint stress

Signs & Symptoms

Early Warning Signs

• Decreased activity or reluctance to play
• Difficulty rising from lying position
• Bunny hopping gait
• Stiffness after exercise
• Swaying or wobbly back end

Severe Symptoms

• Obvious lameness or limping
• Pain when hip area is touched
• Loss of muscle mass in rear legs
• Reluctance to climb stairs
• Difficulty getting comfortable

Treatment Options & Costs

Conservative Management: $1,000-$2,000/year

Weight management, pain medication, physiotherapy, supplements, lifestyle modifications

Femoral Head Ostectomy (FHO): $3,000-$4,500

Removal of femoral head to create false joint, suitable for smaller dogs

Total Hip Replacement: $6,000-$8,000

Complete joint replacement, gold standard for large breeds with severe dysplasia

Pet Insurance Coverage

Coverage Details

Most NZ pet insurance policies cover hip dysplasia treatment if it wasn't a pre-existing condition. With surgery costs ranging from $3,000-$8,000, insurance can cover 70-90% of eligible expenses.

• Southern Cross Pet Insurance: Covers hip dysplasia, up to $15,000/year
• SPCA Pet Insurance: Up to 90% coverage, $25,000 max on Big Stuff plan
• AA Pet Insurance: 80% coverage, pre-existing may be covered after 18 months symptom-free
• PD Insurance: 100% coverage minus excess, up to policy limits

Hip Dysplasia in Dogs