Coverage Basics
Legg-Calve-Perthes is hereditary and orthopedic. Policies must cover both hereditary conditions and orthopedic procedures. Most comprehensive plans do, but verify before enrolling.
FHO surgery costs $1,500-$3,000. The blood supply to the femoral head (hip ball) is disrupted during growth, causing bone degeneration and collapse. Affects small and toy breed puppies at 4-12 months old. Surgery has excellent outcomes.
Also called avascular necrosis of the femoral head. Blood supply to the hip ball is disrupted during growth, causing bone death and collapse. Hereditary origin, exact cause unknown. Typically affects one hip; both involved in 10-15% of cases. Almost exclusively small breeds under 20 pounds
Progressive hind leg lameness, worsening over weeks to months. Hip pain on manipulation. Muscle wasting in the affected leg. Reluctance to jump, climb stairs, or play. Chewing or licking at hip area. Symptoms typically appear at 4-12 months of age
Orthopedic exam ($75-$150) shows hip pain on extension and rotation. X-rays ($150-$300) reveal characteristic femoral head changes - irregular shape, flattening, fragmentation. X-rays are usually definitive. Average $200-$400
Femoral head ostectomy (FHO) is standard - the damaged femoral head is removed and scar tissue forms a false joint. FHO costs $1,500-$3,000. Small dogs recover exceptionally well. Total hip replacement ($4,000-$7,000) is rarely necessary. Average $1,500-$3,000
Diagnosis plus surgery and post-op physical therapy. A one-time expense with excellent long-term results. $1,700-$3,400 total.
Yorkshire Terriers, Miniature Poodles, West Highland White Terriers, and Chihuahuas. Virtually all cases are in dogs under 20 pounds.
Physical therapy starts 1-2 weeks after surgery. Most dogs are weight-bearing within days. Full recovery to normal activity in 6-8 weeks.
No prevention since it's hereditary. Affected dogs should not be bred. Early diagnosis and surgery produce the best outcomes.
02/04
Diagnosis plus surgery and post-op physical therapy.
Legg-Calve-Perthes is hereditary and orthopedic. Policies must cover both hereditary conditions and orthopedic procedures. Most comprehensive plans do, but verify before enrolling.
Symptoms appear at 4-12 months. Many policies have a 6-month orthopedic waiting period. If limping appears before the period ends, claims may be denied. Enroll at 8 weeks when possible.
At $1,500-$3,000, FHO surgery exceeds most deductibles. With 80% reimbursement and a $250 deductible, insurance saves $1,000-$2,200 on this clear-cut surgical case.
Legg-Calve-Perthes is typically a one-time surgical fix with no ongoing treatment. Post-surgical physical therapy is usually covered as part of the claim.
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