Pet Insurance

Does Pet Insurance Cover Cryptorchidism In Dogs?


Last Updated: July 23, 2024 | 2 min read | Leave a Comment

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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wound care after cryptorchidism surgery on a puppy's penis area

Cryptorchidism can cause confusion for pet parents wanting to know if insurance will cover it. This is because the treatment for cryptorchidism is neutering your dog, which on its own isn’t covered by pet insurance. However, the necessity for neutering your dog due to a cryptorchidism diagnosis may make the castration surgery and related diagnostics eligible for coverage through pet insurance. Clear as mud? We’ll provide more details about the condition and different scenarios that may make pet insurance coverage a possibility.

What Is Cryptorchidism In Dogs?

Cryptorchidism is a condition in which one or both of a dog’s testicles don’t drop to the scrotum. It’s also known as an undescended testicle or retained testicle in dogs.

Male dogs with cryptorchidism have an increased risk of testicular cancer and infertility. Dogs diagnosed with cryptorchidism should be neutered to prevent health risks and to prevent passing the condition down their bloodline.

Does Pet Insurance Cover Cryptorchidism?

Yes, pet insurance covers surgery like cryptorchidism as long as no signs or symptoms appear until after enrollment and waiting periods. Cryptorchidism is most commonly diagnosed around six months old.

Keep in mind that any accidents or illnesses that present symptoms during the waiting period will also be exempt from coverage by most insurers. The average pet insurance waiting period for illnesses is 14 days (some are up to 30 days). You should enroll your dog in pet insurance by at least four months old to increase your chances of having pet insurance coverage for the possibility of cryptorchidism. However, the sooner the enrollment, the better, and most pet insurance companies begin enrollment around six to eight weeks old.

How Much Is Surgery For Cryptorchidism In Dogs?

Georgie, a King Charles Cavalier Spaniel, was diagnosed with cryptorchidism at six months old. His parents scheduled neutering surgery for him shortly after. The total vet bills for neutering increased by $349 because there are additional diagnostics and precautions taken for male dogs with cryptorchidism. In total, Georgie’s surgery for cryptorchidism cost $1,229.

What If I Don’t Want To Neuter My Dog?

Neutering males with cryptorchidism is strongly advised. Twisting of the testes (or testicular torsion) may occur and cause pain, necessitating a veterinarian to perform emergency surgery to correct if left untreated. It’s unethical to breed dogs with cryptorchids. Since cryptorchidism is an inherited condition, it’s critical to eradicate the faulty gene from the lineage.

It is estimated that dogs with cryptorchidism have a tenfold increased risk of developing testicular cancer compared to normal dogs. Neutering your cryptorchid dog can help him dog live his healthiest life.

Choose The Best Pet Insurance

Pet insurance covers many conditions besides cryptorchidism. Because cryptorchidism coverage is fairly standard in pet insurance, you don’t need to choose your pet insurance provider solely based on this. However, you should consider several other factors, including overall policy coverage, customer service and reputation, claim processing average, pricing, plan customizations, and more. We go into great detail on these categories and rank the best pet insurance companies to help you make the most informed decision and give you peace of mind.

Methodology: How We Rank The Best Pet Insurance Companies

We review each U.S. pet insurance company to provide an unbiased breakdown of providers' performance in real claim situations. We use a 100-point scale for each pet insurance company to rank them. Our in-depth research includes:

  • Coverage & Exclusions (30%) - We scrutinize every policy from top to bottom and read all the fine print, carefully noting each exclusion. We factor in any age restrictions, required add-ons for basic coverage, and whether a company is available nationwide. Insurers with fewer exclusions receive more points in this category than those with less coverage.
  • Pricing (15%) - We evaluate pricing by running thousands of sample quotes for dogs and cats of various breeds, sizes, locations, and ages. We analyze which companies charge extra fees and discounts and consider which companies nick and dime pet owners with add-on coverage. Providers with the lowest premiums, fewest extra fees, most discounts, and fewer add-ons receive more points in this category.
  • Customer Service & Reputation (12%) - We assess hundreds of customer reviews, scope out the sign-up process, speak with representatives, and factor in company history and years in the pet insurance marketplace to determine the points in this category. Companies with an easy sign-up process, highly rated mobile apps, multiple ways to reach customer service, positive consumer feedback, and a seamless claim filing process score high in this category.
  • Financial Strength (10%) - Insurance is only beneficial if you can count on reimbursed claims. Companies with at least five years of nationwide experience and high A.M. Best and Demotech ratings receive high remarks in this category.
  • Customization Options (10%) - We consider customizations available to adjust your coverage to fit your budget. Companies with fewer restrictions based on breed, age, location, etc., multiple plan options, and more reimbursement rates, deductibles, and annual limits earn the highest scores.
  • Waiting Periods (5%) - Providers with the shortest illness and accident waiting periods and fewer additional waiting periods for other conditions merit high remarks.
  • Claim Processing (5%) - We share our firsthand experience submitting claims with companies and examine how long it takes to be reimbursed. Insurers with a vet direct pay option and short claim processing averages earn the most points.
  • Innovation (3%) - We meet with company representatives to discuss changes related to the industry, their company, and their offerings. Providers offering unique, comprehensive coverage and utilizing advanced technology receive more points.

Unlike many other review sites, we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also highlight each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade, we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews, regularly check them for accuracy, and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.

Why Trust Canine Journal?

Before other media outlets realized how popular pet health care was becoming, Canine Journal has covered pet insurance for over 12 years. Many of our writers possess firsthand knowledge of pet insurance, such as Kimberly Alt, who has been Canine Journal’s reliable pet insurance writer for more than ten years, covering almost every aspect of pet insurance. To help her respond quickly to a wide range of pet insurance inquiries, Kimberly carefully reviews every word in every pet insurance policy. And thanks to her vast list of resources, in the rare instance that she cannot find the answer immediately, she can locate it in a matter of minutes.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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