Does pet insurance cover ear infections?

How pet insurance classifies ear infections

Pet insurance companies typically classify ear infections as illnesses. This means that if you have an accident-only policy, your pet’s ear infection won’t be covered.

Here are the categories pet insurance policies typically use to classify coverage:

• Accidents: Cuts, lacerations, ingestions, broken legs and ear infections
• Hereditary or congenital conditions: Hip dysplasia, epilepsy, cherry eye and glaucoma
• Illnesses: Arthritis, ear infections, diabetes and cancer
• Routine care: Preventative procedures, vaccinations, annual exams and dental cleanings

While ear infections are usually classified as illnesses, some recurrent ear infections may be classified as hereditary or congenital conditions. If that’s the case, standard pet insurance may not cover treatments for your pet’s ear infection.

Signs of an ear infection in pets

The symptoms of an ear infection include:

• Excessive itching and scratching
• Swelling and redness
• Head shaking
• Discharge or unusual odor
• Scabs or crusting in the ears

Ear infections in pets can result from allergies, ear mites, foreign objects, fungal infections, autoimmune diseases or an injury that doesn’t heal properly. Certain breeds with floppy ears or excessive hair in the ear canal may also be more prone to infections.

Treatment options for ear infections in pets

Treatment for ear infections depends on the severity of the condition. Veterinarians may recommend:

• Ear cleaning: Medicated solutions are used to clean the ear canal.
• Medication: Anti-inflammatory drugs and antibiotics may be prescribed.
• Topical medication: Ointments may be applied to the outer ear.
• Surgery: In severe cases, it may be necessary to remove damaged tissue from the ear canal.

As of publishing, Fetch Pet Insurance lists typical ear infection treatment costs as ranging from $100 to $175. Pet insurance plans typically reimburse up to 90% of covered costs, depending on your policy.

Claims process for ear infection coverage

Filing a claim for an ear infection is similar to other pet insurance claims. Here’s what you need:

• An itemized vet bill with the service date, diagnosis, procedures and medication costs
• Medical records showing your pet’s history
• Proof of payment for reimbursement

What affects insurance eligibility for ear infections?

Whether a pet insurance policy covers ear infections depends on several factors, including the type of coverage, breed risk, preexisting conditions and your pet’s age.

• Illness vs. accident coverage: Ear infections are classified as illnesses, not accidents. If you only have accident coverage, treatment won’t be covered. You need a plan that includes illness coverage.
• Preexisting conditions: Most pet insurance policies don’t cover preexisting conditions, meaning if your pet has shown symptoms of an ear infection before enrollment, treatment most likely won’t be reimbursed. Some insurers allow reinstatement of coverage after a symptom-free period, typically six months to a year.
• Breed risk: Certain breeds are more prone to ear infections due to their ear shape and hair growth. Cocker spaniels, golden retrievers, poodles and basset hounds are at higher risk. Some insurers may have specific coverage limitations for these breeds.
• Age restrictions: Older pets may have more expensive premiums or face coverage limitations. Some insurers set maximum enrollment ages, often around 10 years.

If your pet is at higher risk for ear infections, choosing a policy that includes illness coverage, checking breed-specific limitations, and understanding how preexisting conditions impact coverage can help ensure protection when you need it.

Is pet insurance worth it for ear infections?

Pet insurance is a worthwhile investment if your pet is prone to ear infections or if covering unexpected medical expenses would be difficult. Costs of vet consultations and treatment vary, but most range from $100 to $175. While some pet owners may find insurance unnecessary for pets with minimal health concerns, those facing recurring infections could save significantly over time.

If your pet has never had an ear infection and you’re comfortable handling occasional vet costs, paying out of pocket may be the better option. However, if your pet is at higher risk for recurring infections, insurance can provide significant savings and financial security over time.