Pet insurers are facing a more complex risk landscape as chronic health conditions and environmental hazards increasingly drive claims.
Recent data from Nationwide shows that chronic illnesses now account for the majority of pet insurance claims. Among dogs, skin allergies continue to be the most frequently reported condition, while chronic diseases comprise six of the top ten canine claims. Cats show a similar pattern, with seven of their ten most common health conditions classified as chronic and often requiring ongoing treatment.
Beyond disease, location can greatly affect a pet's longevity. A recent analysis from The Zebra found that pets in certain metropolitan areas face elevated risks from traffic accidents, aggressive animals, heartworm exposure and extreme temperatures.
The economic stakes of pet well-being are growing, as well. According to U.S. News & World Report, veterinary care costs remain one of the primary concerns for pet owners considering insurance coverage. Emergency procedures, surgeries and long-term treatment plans can quickly generate bills that exceed many households' available savings. As a result, more pet owners are considering insurance to reduce financial uncertainty.
In the slideshow above, we'll look at the ten U.S. metros The Zebra determined are the riskiest for pets.
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