Coverage Basics
Legg-Calve-Perthes is hereditary and orthopedic. Policies must cover both hereditary conditions and orthopedic procedures for you to be covered. Most comprehensive plans do, but verify before enrolling.
Legg-Calve-Perthes surgery (FHO) costs $1,500-$3,000. This condition occurs when the blood supply to the femoral head (top of the thigh bone) is disrupted, causing the bone to degenerate and collapse. It almost exclusively affects small and toy breed puppies, typically appearing between 4-12 months of age. Surgery has excellent outcomes.
Also called avascular necrosis of the femoral head. The blood supply to the ball of the hip joint is disrupted during growth, causing the bone to die and collapse. The exact cause is unknown but it's believed to be hereditary. It typically affects one hip, though both can be involved in 10-15% of cases. Almost exclusively affects small breeds under 20 pounds
Progressive hind leg lameness in a young small-breed dog. Limping that gradually worsens over weeks to months. Pain when the hip is manipulated. Muscle wasting in the affected leg. Reluctance to jump, climb stairs, or play. Chewing or licking at the hip area. Symptoms typically appear at 4-12 months of age
Orthopedic exam ($75-$150) reveals pain on hip extension and rotation. X-rays ($150-$300) show characteristic changes to the femoral head — irregular shape, flattening, fragmentation. X-rays are usually definitive for diagnosis. Advanced imaging is rarely needed. Average $200-$400
Femoral head ostectomy (FHO) is the standard surgery — the damaged femoral head is removed and the body forms a false joint from scar tissue. FHO costs $1,500-$3,000. Small dogs do exceptionally well with this surgery. Total hip replacement ($4,000-$7,000) is an option but rarely necessary for small breeds. Conservative management rarely works. 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.
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Diagnosis plus surgery and post-op physical therapy.
Legg-Calve-Perthes is hereditary and orthopedic. Policies must cover both hereditary conditions and orthopedic procedures for you to be covered. Most comprehensive plans do, but verify before enrolling.
Symptoms appear at 4-12 months. Many policies have a 6-month orthopedic waiting period. If your puppy shows limping before the waiting period ends, the claim may be denied. Enroll as early as possible — some insurers accept puppies at 8 weeks.
At $1,500-$3,000, FHO surgery comfortably exceeds most deductibles. With 80% reimbursement and a $250 deductible, insurance could save you $1,000-$2,200. This is a clear-cut surgical case with a defined treatment and cost.
The good news: Legg-Calve-Perthes is typically a one-time surgical fix. Unlike chronic conditions, there's no ongoing treatment to worry about. Post-surgical physical therapy is usually covered as part of the claim.

🇺🇸 US Pet Insurance Guide
Our guide shows exactly what to check in the fine print — before your first claim gets denied.
Insurance GuideBreeds Most Affected by Legg-Calve-Perthes Disease

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