Legg-Calve-Perthes disease in dogs: treatment cost and insurance

Loss of blood supply to the femoral head in small and toy breeds, usually corrected with a femoral head ostectomy.

Chinese Crested

What legg-calve-perthes disease costs to treat

Treatment for legg-calve-perthes disease typically runs $1,200 to $3,000 per episode in the US[1]. Where your bill lands depends on how advanced it is when diagnosed, whether it needs surgery or a specialist, and local vet prices.

What will it cost for your dog?

Pick your breed, age and ZIP code to see the estimated monthly price from the insurers we compare.

Model updated Sep 2026 · No phone calls · Independent

Does pet insurance cover legg-calve-perthes disease?

All 8 insurers we compare cover hereditary and congenital conditions, as long as it is not pre-existing: if your dog showed signs before the policy started, or during the waiting period, it will be excluded. The practical rule is to enroll before any symptoms appear.

Joint and ligament conditions are where policies differ most. Some insurers apply a longer orthopedic waiting period, often around six months, before they cover problems like legg-calve-perthes disease. Check that clause before you buy, not after: orthopedic waiting periods by insurer and the bilateral exclusion.

Compared by insurer: Pet insurance for hip dysplasia and cruciate tears · Does pet insurance cover hereditary and congenital conditions?

What you would pay on a legg-calve-perthes disease bill

With an 80% reimbursement plan and a $250 deductible not yet used this year:

Vet billInsurer paysYou payYou pay, uninsured
$1,200$760$440$1,200
$2,100$1,480$620$2,100
$3,000$2,200$800$3,000

Assumes the condition is covered and the bill is within the annual limit. How deductibles and reimbursement work.

Costs updated Sep 2026 · Where these numbers come from

Check how this applies to your breed

Breeds most at risk of legg-calve-perthes disease

Most at risk first. Each breed page has its estimated premium and insurers.

Illness waiting periods, shortest first

A legg-calve-perthes disease diagnosis during the waiting period counts as pre-existing, so this is how long you are exposed after buying.

Questions about legg-calve-perthes disease and insurance

How much does legg-calve-perthes disease treatment cost?

Typically $1,200 to $3,000 per episode in the US, before insurance.

Can I insure a dog that already has legg-calve-perthes disease?

You can buy a policy, but legg-calve-perthes disease itself will be excluded as pre-existing. It still covers new, unrelated accidents and illnesses. How pre-existing conditions work.

Which breeds get legg-calve-perthes disease most?

Among the breeds we cover: Chinese Crested, Wire Fox Terrier, Australian Terrier, Russell Terrier, Miniature Pinscher, and 3 more listed above.

Pre-existing condition. Anything diagnosed or showing symptoms before coverage starts or during the waiting period. No insurer we list covers it. More in the glossaryWaiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryReimbursement. The share of an eligible vet bill the insurer pays back after your deductible. At 80%, a $1,000 covered bill returns $800. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossaryHereditary and congenital. Conditions a dog inherits or is born with, like hip dysplasia. Covered only if they were not diagnosed or showing signs before you enrolled. More in the glossaryOrthopedic waiting period. A longer waiting period some insurers apply specifically to joint and ligament conditions, such as cruciate ligament tears, often around six months. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossary

Sources

  1. Dog Legg Calve Perthes Disease. Embrace Pet Insurance, 2026.
  2. American Chinese Crested Club Health Statement. American Chinese Crested Club, 2016.
  3. Wire Fox Terrier | VCA Animal Hospitals. VCA Animal Hospitals (LifeLearn).
  4. Australian Terrier. VCA Animal Hospitals.
  5. Legg-Calve-Perthes. Orthopedic Foundation for Animals.
  6. Toy Fox Terrier. VCA Animal Hospitals.
  7. Silky Terrier. VCA Animal Hospitals.
  8. Schipperke Club of America health testing for CHIC. Schipperke Club of America.

How we choose and check sources: Sources we use.

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