The Water Bowl
Breed & Health Resources

The 5 Most Common Chronic Conditions in Cats and Dogs

By Kara Bednarik

gray cat and golden retriever laying together

A chronic condition is an ongoing injury or illness that can last a lifetime. Chronic conditions in pets often require regular medication and frequent visits to the vet’s office for monitoring.

When it comes to chronic conditions, Embrace sees a lot of claims. Because of the ongoing care required for many of these conditions, it’s not unusual for a pet parent to send in an invoice once per week. Diabetes often requires daily shots and frequent monitoring – that means lots of syringes and insulin. Embrace covers both of these items for insulin-dependent dogs and cats. We reimbursed more than $50,000 for cats with diabetes mellitus in 2017.

A chronic condition isn’t always just an illness. A cranial cruciate ligament tear can be caused by an accident that leads to long-term care. And dogs who have torn their cranial cruciate ligament on one side are at much higher risk for the other to tear as well – up to 50% higher! Once they’re covered by Embrace, we do not exclude coverage of that bilateral injury either, we’re talking two potential surgeries, rehabilitation, and medication – covered. We reimbursed more than $2 million for dogs with cranial cruciate ligament tears in 2017.

Many pet insurance companies have specific rules in place for chronic conditions, like only paying up to a certain dollar amount for it – or dropping coverage for that condition once the policy renews. If you’re in the market for pet insurance, keep your eye out for companies with no chronic condition exclusions.

Common Chronic Conditions for Cats*

  1. Kidney disease
    623 claims
  2. Hyperthyroidism
    448 claims
  3. Diabetes mellitus
    487 claims
  4. Inflammatory bowel disease
    347 claims
  5. Lymphoma
    383 claims

Common Chronic Conditions for Dogs*

  1. Allergies
    8,150 claims
  2. Cranial cruciate ligament tear
    4,043 claims
  3. Arthritis
    3,994 claims
  4. Skin mass
    2,011 claims
  5. Seizure
    2,772 claims

*This information in based on 2017 Embrace claims data.

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Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.