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Top 10 conditions in dogs (all ages)
Just like us, dogs experience different health needs as they grow older. Puppies can be prone to upset tummies and skin infections as their immune systems develop and they adjust to new foods and environments. As dogs move into adulthood, their tendency to eat harmful items typically decreases-but chronic conditions, such as repeat ear or skin infections and more serious gastrointestinal upsets, can emerge. In their senior years, it’s common to see age-related conditions, such as arthritis and cancer, as their joints and immune systems feel the effects of time. Understanding what’s normal at each life stage helps you stay one step ahead of your dog’s health and wellbeing.
| Rank | Condition | Avg cost for treatment* | Highest cost for treatment*^ |
|---|---|---|---|
| 1 | Skin infections/allergies | $667 | $21,209 |
| 2 | Gastrointestinal conditions | $874 | $37,599 |
| 3 | Ear infections | $439 | $22,665 |
| 4 | Wounds from traumatic injuries and fights/bites | $836 | $46,525 |
| 5 | Mass lesions (lumps and bumps) | $961 | $31,195 |
| 6 | Eye conditions | $468 | $19,419 |
| 7 | Osteoarthritis | $823 | $39,289 |
| 8 | Musculoskeletal conditions (limping) | $607 | $15,591 |
| 9 | Anal sac disorders | $316 | $30,697 |
| 10 | Dental conditions | $816 | $13,158 |
Top 10 conditions in cats (all ages)
As cats grow, their health needs often change in accordance with their stage of life. Curious kittens can get upset stomachs from eating things they shouldn’t, and their still-developing immune systems can make them more vulnerable to eye and skin infections. In adulthood, their adventurous streak can put them at risk of injuries from falls, road accidents, snake bites or fights with other cats, while more serious conditions like lower urinary tract disease, colitis or inflammatory bowel disease can also appear. As they ease into their senior years, issues like arthritis, and kidney problems become more common. Knowing what to look out for at every age can help keep your cat feeling their best, every step of the way.
| Rank | Condition | Avg cost for treatment* | Highest cost for treatment*^ |
|---|---|---|---|
| 1 | Gastrointestinal conditions | $903 | $26,987 |
| 2 | Urinary tract disorder | $1,459 | $38,769 |
| 3 | Skin infections/allergies | $470 | $21,343 |
| 4 | Fight or bite wounds | $620 | $24,529 |
| 5 | Eye conditions | $424 | $20,106 |
| 6 | Behavioural problems | $141 | $10,679 |
| 7 | Ear infections | $422 | $10,979 |
| 8 | Osteoarthritis | $779 | $8,032 |
| 9 | Heart murmurs | $1,569 | $22,800 |
| 10 | Mass lesions (lumps and bumps) | $1,486 | $34,688 |
*Based on PetSure claims data 2024 as at Feb 2025. Amount claimed per policy over a 12-month period. Reimbursement for these claims under a pet insurance policy would be subject to limits, such as annual benefit limits or sub-limits, benefit percentage, applicable waiting periods and any applicable excess. Cover is subject to the policy terms and conditions. You should consider the relevant Product Disclosure Statement or policy wording available from the relevant provider. Please note that values calculated are based on all claims for that condition and medically related conditions in each calendar year. ^Pet insurance policies can have an annual limit between $5,000 – $30,000 to assist with eligible treatment costs.
Pet insurance can help by covering a portion of the eligible vet bill if the unexpected happens. Because it is difficult to predict the costs of veterinary care, it can help to have measures in place to help prepare for the unexpected. Check out our partner network and explore our policy tools to find a pet insurance policy.
Not all conditions or items are covered by Pet Insurance. Refer to the applicable Product Disclosure Statement for information about coverage and exclusions.
