Does Pet Insurance Cover Cancer?

Finding the right pet insurance options for your pet can be overwhelming. And it gets even more difficult when it comes to getting coverage for critical health issues like cancer. But does pet insurance cover cancer?

In this post, we’ll answer your questions and show you how pet insurance can help you with cancer-related expenses and how to get one for your pet.

Does Pet Insurance Cover Cancer Treatments?

Pet insurance companies usually cover cancer treatment if you enroll your pet before diagnosis. They don’t, however, cover preexisting conditions like cancer.

There are a few types of plans available. Some plans include cancer coverage right off the bat, while others offer it as an extra add-on feature. Plus, many insurance companies take care of various diagnostics and advanced treatments.

Once your furry friend gets the necessary treatment, you can file a claim to get reimbursed after approval. And if your pet’s breed or genetics make them more prone to cancer, it’s smart to get pet insurance early.

When Pet Insurance Won’t Cover Cancer Treatments 

Getting pet insurance coverage for cancer treatment will only be impossible in these instances:

Pre-existing Conditions

If your pet is dealing with cancer before you get insurance, that won’t be under coverage. Insurance plans have an exclusion condition for illnesses already existing before getting coverage.

Accident-Only Plans

If you opt for an accident-only plan, it’s crucial to know they may only cover accidents. Anything illness-related, such as cancer treatments, may not be on the list.

These plans are most times specific, focusing solely on unexpected mishaps. They may not include ongoing health issues like cancer.

Types of Pet Cancers

Here’s a list of various types of pet cancers that may affect your pet:


This is a malignant bone tumor that commonly affects the limbs of large dogs. If your dog is of a large-sized breed, get pet insurance just in case.

Osteosarcoma usually requires aggressive treatment like:

  • amputation
  • chemotherapy
  • radiation therapy


These are tumors from pigment-producing cells. They are common in the skin, mouth, and toenails of dogs.

Treatment involves surgery. However, in some cases, your pet may need some other treatments like:

  • chemotherapy
  • immunotherapy
  • radiation therapy

Mast Cell Tumor (MCT)

MCTs are common skin tumors in dogs. They range from low-grade (non-spreading) to high-grade (potentially spreading).

Treatment includes surgical removal if your pet has low-grade tumors. But, for high-grade tumors, your pet may require chemotherapy or radiation.

Mammary Cancer

Malignant tumors are common in the mammary glands, affecting dogs and cats. Early detection and surgical removal can go a long way.

Also, spaying female dogs can help prevent the chances of this cancer. 


This is a cancer of the white blood cells or lymphoid tissue. They are pretty common in the following:

  • lymph nodes
  • bone marrow
  • gastrointestinal tract

Treatment includes chemotherapy. Also, the severity of this condition depends on the type and stage of lymphoma.

Hemangiosarcoma (HSA) Cancer

These are aggressive cancers related to blood cells. During diagnosis, your vet will check the spleen, heart, liver, or skin of your pet.

Diagnosis often happens in advanced stages, and this limits treatment options due to its rapid spread.

Bladder Cancer

This cancer affects the urinary system, but your vet can detect it through:

  • biopsies
  • blood work
  • imaging

Treatment methods depend on the extent of the cancer and include:

  • surgery
  • chemotherapy
  • radiation therapy

Brain Tumors

These tumors develop in the brain, leading to neurological symptoms. Diagnosis involves imaging techniques like MRI.

Treatment may include:

  • surgery
  • radiation therapy
  • chemotherapy

Thyroid Carcinoma

This is the cancer of the thyroid gland. It is more common in cats. If your cat suffers from this cancer, treatment options include:

  • surgery
  • radioactive iodine therapy
  • chemotherapy or radiation

Hepatic (Liver) Cancer

This cancer causes growths in the liver and often happens secondary to other cancers spreading. Treatment depends on the primary cancer and may involve:

  • surgery
  • chemotherapy
  • supportive care

Remember, early detection and timely treatment are crucial in managing pet cancers. It’s essential to consult a vet for proper diagnosis and tailored treatment options based on your pet’s specific condition.

Costs for Pet Cancer Treatment 

Cancer surgery can start at $500, while radiation costs range from approximately $2,500 to $7,000. Chemotherapy expenses differ based on whether it’s given orally or intravenously. Also, there are additional charges for diagnostics and blood work.

This is why pet insurance is ideal for managing these conditions and ensuring your pet gets the best care.

On average, a $5,000 annual coverage for a dog costs around $76 per month.

Factors That Affect the Cost of Pet Cancer Treatments 

Several factors can influence the costs of pet cancer treatments. They include:

Type of Cancer

Different types of cancers require varying treatments. Your pet may need:

  • surgery
  • chemotherapy
  • radiation therapy

These procedures have different cost implications.

Stage of Cancer

The extent of your pet’s cancer progression can impact the complexity and duration of treatment. This will affect overall costs.

Diagnostic Procedures

To get an accurate diagnosis and treatment planning. You may have to pay for the following tests:

  • biopsies
  • blood work
  • imaging (X-rays, MRI, CT scans)
  • consultations

Treatment Methods

The choice between surgery, chemotherapy, radiation therapy, or a combination of these treatments affects your pet’s overall cost.

Advanced treatments like immunotherapy or targeted therapies are also more expensive.

Duration of Treatment

Some treatments, especially chemotherapy, require multiple sessions, and the costs can quickly pile up over time.

Pet’s Size and Breed

If you own larger pets, they may need:

  • higher drug dosages
  • anesthesia
  • larger surgical areas

This will lead to increased costs for their cancer care. Also, some breeds are more likely to get certain cancers than others, and this will impact treatment expenses.


Vet care costs vary by region and city due to differences in living expenses, rent, and operational overheads.

If you stay in an urban area, you’ll be dealing with higher costs compared to staying in a rural area.

Specialist Consultations

If your pet needs consultation with specialized oncologists or surgeons, their expertise often comes at a higher price.

Follow-Up Care

After initial treatments, your pet may need regular check-ups, medications, and additional therapies for ongoing care, adding to the overall expenses.

Pet Insurance Coverage

The extent of coverage provided by pet insurance policies can significantly impact your out-of-pocket costs when dealing with pet cancer treatments.

The policy’s limitations and deductibles play a significant role in these costs too.

Understanding these factors can help you plan for potential costs and explore suitable insurance options to manage the expenses of your pet’s cancer treatment.

Get the Best Pet Insurance for Cancer Care

At Truffle Paws, we understand the emotional and financial challenges that come with pet cancer treatments. That’s why we’re here to ease your burden with insurance plans to support your pet’s health journey.

With our tailored policies, you can be confident that your pet is safe. Truffle Paws offers dependable coverage, ensuring you don’t worry about cancer and other health concerns.

Get started today and join the Truffle Paws family and embrace a worry-free pet parenthood journey.