Hip dysplasia is a developmental condition where the hip joint forms abnormally, leading to pain, lameness, and progressive arthritis. It's strongly hereditary and disproportionately common in larger breeds (Labradors, Goldens, German Shepherds, Berners). Here's what to plan for.
What it costs in Canada
| Scenario | Typical cost (CAD) |
|---|---|
| Initial vet exam + lameness assessment | Low to moderate |
| Radiographs (sedated, both hips) | Moderate |
| Conservative management (anti-inflammatories, joint supplements) | Moderate ongoing — monthly cost compounds over years |
| Physical therapy / rehab program | Adds meaningfully to monthly cost |
| Femoral head ostectomy (FHO) — one hip | High four-figure range |
| Total hip replacement (THR) — one hip | Mid five-figure range |
| Both hips affected (common) | Effectively doubles the surgical figures |
FHO is more common for smaller dogs and dogs whose owners want a less invasive option. THR offers better long-term outcomes but is substantially more expensive and requires a board-certified orthopedic surgeon. Both hips are frequently affected — plan financially as if it could happen on both sides.
With insurance vs paying out of pocket
| Scenario | You pay | Insurer pays |
|---|---|---|
| No insurance — conservative management only | Full ongoing cost | $0 |
| No insurance — surgical correction | Full bill, paid up-front | $0 |
| Comprehensive policy, surgery | Deductible + co-pay portion | Reimbursement rate of eligible bill |
| Comprehensive policy, ongoing medication and physio | Co-pay portion of each visit/prescription | Reimbursement rate of each eligible item |
Considering insurance?
Hip dysplasia is a textbook case for why comprehensive coverage matters for larger breeds. The condition develops over years; if you enrol your puppy now and dysplasia is diagnosed at age 3, it's covered. If you wait and the diagnosis appears before you enrol, it's permanently excluded. The timing of enrollment for at-risk breeds is critical.