does pet insurance cover IVDD?
Intervertebral disk disease (IVDD) is a scary and often costly condition that occurs in both dogs and cats. Pet insurance may be able to take on some of the financial burden so you can opt for the best diagnostics and treatment for your pet. Let’s learn more about this condition and how pet insurance can help.
What is IVDD?
Intervertebral disk disease (IVDD) is a condition in which one or more intervertebral disks become herniated (protrude from their normal position) and puts pressure on the spinal cord, potentially causing neurologic symptoms.
The backbone or the spine is made up of boney segments called vertebrae that surround and protect the spinal cord. These vertebrae start at the neck and continue all the way down to the tail and intervertebral disks act as a cushion between each one so it’s important that they stay in place.
What are common IVDD symptoms?
- Severe pain in the neck or back area over the affected disc
- Standing in a rigid position, reluctance to move or arching of the back
- Incoordination (ataxia)
- Muscle weakness (paresis)
- Inability to move the limbs (paralysis)
If your pet is showing any of these signs, get your pet to the veterinarian as soon as possible – this is an emergency and requires urgent care!
Accidents alone can sometimes cause IVDD, but by far most cases involve a genetic component. Dachshunds are notorious for suffering from this condition, but IVDD can occur in any dog. Some other breeds that are at a higher risk include:
- Brachycephalic breeds such as Bulldogs, Shih Tzus, and Pekingese
- Large breed dogs such as German Shepherds and Doberman Pinschers
What about cats? IVDD is most likely to affect middle-aged cats of any breed. They also tend to have severe neurological symptoms that appear more rapidly.
IVDD treatment covered by insurance
As long as IVDD is not a pre-existing condition, pet insurance can help pay for the cost of diagnostics and treatment (Petplan will additionally cover the cost of the sick exam). If your veterinarian suspects your pet to have IVDD, they will most likely recommend multiple diagnostic tests and treatments, making this neurologic disease quite expensive.
Common IVDD Costs
Sick visit: the exam fee including specialist consultations and recheck examinations
These fees can range from $45-$250 per exam
Diagnostic tests: blood work, radiographs, ultrasound, computed tomography (CT), magnetic resonance imaging (MRI)
Expect to pay $150-$3,000 per diagnostic test
IVDD medical therapy: pain medication(s), sedatives, muscle relaxers, anti-nausea medications, follow-up care
On average expect costs between $50-$250 per visit or refill
IVDD surgical procedure: the time, expertise, and equipment needed to perform the surgery by the veterinarian
If surgery is needed, it can cost between $1,500-$4,000
Chronic care and rehabilitation: acupuncture, physical therapy, laser therapy, massage therapy
Costs are variable but can range from $60-$200 per session
According to Petplan claims data, one Dachshund’s IVDD care totaled $13,220! Luckily, this pup was insured with Petplan, and her pet parents were reimbursed $11,477.
IVDD treatment options not covered by insurance
No pet insurance will cover pre-existing conditions. So, if your pet was diagnosed with IVDD or showed clinical signs of IVDD prior to enrollment or during the waiting periods, this health condition would not be covered.
Protect your pet – and your wallet – with pet insurance
If your pet’s breed has a high risk of IVDD, consider enrolling in a comprehensive pet insurance policy as soon as possible. This particular disease affecting the nervous system can occur unexpectedly, develop rapidly and sometimes, lead to a lifetime of challenges. Choose a policy that comes standard with breed-related condition and chronic disease coverage.