Cold and Creaky: truInsights into How Winter Weather Impacts our Pets
Trupanion (Nasdaq:TRUP) reports significant musculoskeletal claims in 2023, including 61,000 limping, 35,000 CCL rupture, 32,000 arthritis, and 1,200 hip dysplasia cases. Cold weather particularly affects older pets, with seniors showing dramatically higher claim rates than younger animals.
Key findings show senior dogs are 2,476% more likely to develop arthritis than younger dogs, while senior cats face a 3,724% higher risk. The average arthritis claim costs $272 for dogs and $233 for cats, with the highest single claim reaching $19,829.
From 2019-2023, Trupanion handled over 208,138 limping claims, with 8% of insured dogs and 1.8% of cats affected. The company emphasizes the importance of early pet insurance enrollment to avoid pre-existing condition limitations, as cold weather can aggravate joint conditions through thickened joint fluid and barometric pressure changes.
Trupanion (Nasdaq:TRUP) riporta significative richieste di risarcimento muscoloscheletriche nel 2023, tra cui 61.000 casi di zoppia, 35.000 di rottura del CCL, 32.000 di artrite e 1.200 di displasia dell'anca. Il freddo influisce particolarmente sugli animali domestici più anziani, con i senior che mostrano tassi di richiesta notevolmente superiori rispetto agli animali più giovani.
Le principali conclusioni mostrano che i cani anziani hanno una probabilità del 2.476% superiore di sviluppare artrite rispetto ai cani più giovani, mentre i gatti anziani affrontano un rischio maggiore del 3.724%. La richiesta media di risarcimento per artrite costa $272 per i cani e $233 per i gatti, con la richiesta singola più alta che raggiunge $19.829.
Dal 2019 al 2023, Trupanion ha gestito oltre 208.138 richieste di zoppia, con l'8% dei cani assicurati e l'1,8% dei gatti colpiti. L'azienda sottolinea l'importanza di iscriversi precocemente all'assicurazione per animali domestici per evitare limitazioni dovute a condizioni preesistenti, poiché il freddo può aggravare le condizioni articolari attraverso un aumento del fluido articolare e variazioni della pressione barometrica.
Trupanion (Nasdaq:TRUP) informa sobre importantes reclamaciones musculoesqueléticas en 2023, incluyendo 61,000 casos de cojeo, 35,000 de ruptura de CCL, 32,000 de artritis y 1,200 de displasia de cadera. El clima frío afecta especialmente a las mascotas mayores, con los animales senior mostrando tasas de reclamación significativamente más altas que los jóvenes.
Los hallazgos clave muestran que los perros senior tienen un 2,476% más de probabilidad de desarrollar artritis que los perros más jóvenes, mientras que los gatos senior enfrentan un riesgo un 3,724% más alto. El costo promedio de la reclamación por artritis es de $272 para perros y $233 para gatos, siendo la reclamación más alta de $19,829.
Desde 2019 hasta 2023, Trupanion manejó más de 208,138 reclamaciones por cojeo, afectando al 8% de los perros asegurados y al 1.8% de los gatos. La compañía enfatiza la importancia de inscribirse temprano en un seguro para mascotas para evitar limitaciones por condiciones preexistentes, ya que el clima frío puede agravar las condiciones articulares a través del aumento del líquido articular y los cambios en la presión barométrica.
Trupanion (Nasdaq:TRUP)은 2023년에 significant한 근골격계 청구를 보고하며, 이에는 61,000건의 다리 절기, 35,000건의 CCL 파열, 32,000건의 관절염, 1,200건의 고관절 이형성증이 포함됩니다. 추운 날씨는 특히 노령 반려동물에게 영향을 미치며, 노령 동물은 젊은 동물에 비해 훨씬 높은 청구 비율을 보입니다.
주요 발견에 따르면, 노령 개가 젊은 개보다 관절염이 발생할 확률이 2,476% 더 높고, 노령 고양이는 3,724% 더 높은 위험에 처해 있습니다. 관절염 청구의 평균 비용은 개의 경우 $272, 고양이의 경우 $233이며, 단일 청구의 가장 높은 금액은 $19,829에 달합니다.
2019년부터 2023년까지 Trupanion은 208,138건 이상의 다리 절기 청구를 처리했으며, 이는 보험에 가입된 개의 8%와 고양이의 1.8%에 해당합니다. 이 회사는 기존 질환에 대한 제한을 피하기 위해 반려동물 보험에 조기에 가입하는 것의 중요성을 강조하며, 추운 날씨가 관절액을 두껍게 하고 기압 변화를 통해 관절 상태를 악화시킬 수 있습니다.
Trupanion (Nasdaq:TRUP) rapporte des demandes de remboursement musculosquelettiques significatives en 2023, y compris 61 000 cas de boiterie, 35 000 de rupture du CCL, 32 000 d'arthrite et 1 200 de dysplasie de la hanche. Le froid affecte particulièrement les animaux plus âgés, les seniors présentant des taux de demande de remboursement beaucoup plus élevés que les jeunes animaux.
Les principales conclusions montrent que les chiens âgés ont 2 476 % plus de chances de développer de l'arthrite que les jeunes chiens, tandis que les chats âgés font face à un risque augmenté de 3 724 %. Le coût moyen d'une demande de remboursement pour arthrite est de 272 $ pour les chiens et de 233 $ pour les chats, la demande individuelle la plus élevée atteignant 19 829 $.
De 2019 à 2023, Trupanion a géré plus de 208 138 demandes de boiterie, avec 8 % des chiens assurés et 1,8 % des chats touchés. L'entreprise souligne l'importance de l'inscription précoce à une assurance pour animaux de compagnie afin d'éviter les limitations liées aux conditions préexistantes, car le froid peut aggraver les problèmes articulaires en raison de l'épaississement du liquide articulaire et des changements de pression barométrique.
Trupanion (Nasdaq:TRUP) berichtet über signifikante muskuloskelettale Ansprüche im Jahr 2023, einschließlich 61.000 Fällen von Lahmheit, 35.000 Rissen des CCL, 32.000 von Arthritis und 1.200 Fällen von Hüftdysplasie. Kaltes Wetter hat besonders große Auswirkungen auf ältere Haustiere, wobei Senioren erheblich höhere Schadensquoten als jüngere Tiere aufweisen.
Wichtige Erkenntnisse zeigen, dass ältere Hunde eine um 2.476% höhere Wahrscheinlichkeit haben, Arthritis zu entwickeln als jüngere Hunde, während ältere Katzen einem um 3.724% höheren Risiko ausgesetzt sind. Der durchschnittliche Anspruch auf Arthritis kostet 272 $ für Hunde und 233 $ für Katzen, wobei der höchste Einzelanspruch 19.829 $ beträgt.
Von 2019 bis 2023 hat Trupanion über 208.138 Lahmheitsansprüche bearbeitet, betroffen sind 8% der versicherten Hunde und 1,8% der Katzen. Das Unternehmen betont die Bedeutung einer frühzeitigen Versicherung von Haustieren, um Einschränkungen durch bestehende Erkrankungen zu vermeiden, da kaltes Wetter Gelenkprobleme durch dickflüssigeres Gelenkflüssigkeit und Veränderungen des Luftdrucks verschlimmern kann.
- None.
- None.
Pet medical insurance provider Trupanion received more than 126,000 musculoskeletal claims in 2023 alone
SEATTLE, Dec. 04, 2024 (GLOBE NEWSWIRE) -- Something crisp and biting this way comes. Temperatures are dropping, and as we begin to bundle up for the wintery weather, our pets, particularly older pets, may begin to show additional signs of pain, discomfort and stiffness.
In 2023 alone, pet medical insurance company Trupanion (Nasdaq:TRUP) paid 61,000 limping claims, nearly 35,000 cranial cruciate ligament (CCL) rupture claims, 32,000 arthritis claims and 1,200 hip dysplasia claims. These conditions can be aggravated by cold weather, and Trupanion data shows older pets are significantly more likely to be affected than adult pets, puppies or kittens.
“It’s important to insure pets when they’re young,” says veterinarian and Trupanion General Manager, Dr. Stephen Rose, BVSc (Hons1) M Infotech CVA ACVCHM. “So that as they age, should any chronic conditions such as arthritis and hip dysplasia arise, there are fewer financial barriers to care. If pet parents wait to insure until their pet is older, there is higher likelihood that their pet will have pre-existing conditions and then it may be too late,” said Rose.
Top Musculoskeletal Claims for Dogs (since 2019)
- Limping
- Cranial Cruciate Ligament Rupture (CCL)
- Arthritis
- Hip dysplasia
- Pain and discomfort
Top Musculoskeletal Claims for Cats (since 2019)
- Arthritis
- Limping
- Hip dysplasia
- Pain and discomfort
- Fracture
How the Cold Aggravates Musculoskeletal Conditions
Some suggest that cold weather can make our joints feel stiff and uncomfortable, and it could have a similar effect on our pets, especially older ones or those with arthritis. As the cold fronts move in, we can become less active, which can lead to a more sedentary lifestyle and therefore stiffer joints from disuse. However, in colder temps, it’s been theorized that the joint fluid can also thicken – offering another possible explanation for joint stiffness during the colder months. Additionally, the barometric pressure drops, which can cause joint tissues to enlarge, and in arthritic joints, this can be quite painful.
For pet owners looking to keep pets comfortable during winter months, Dr. Rose adds, “Be sure to provide very comfortable bedding that’s easy for your pet to get in and out of—even warming bedding or blankets if appropriate. Watch their diet and try to maintain their exercise routines as best you can—adding extra weight to already stressed joints can cause additional pain. If your veterinarian has prescribed or recommended them, be sure to keep their joint supplements or medications on hand as they may be in more pain during this time of year.”
Musculoskeletal Conditions: By the Numbers
Arthritis is a common concern for pets. From 2019 – 2023, arthritis was one of the three most frequent musculoskeletal claims for both cats and dogs with nearly 93,000 claims. In 2023 alone, Trupanion paid around 29,000 claims for dogs and 3,700 claims for cats.
Arthritis is a chronic condition that appears in higher numbers as pets age. Dogs over 7 years-old are 2,
Top 5 Cat Breeds Claiming for Arthritis
- Siamese
- American Shorthair
- Maine Coon
- Bengal
- Ragdoll
Top 5 Dog Breeds Claiming for Arthritis
- Shetland Sheepdog
- Cocker Spaniel
- Great Dane
- Labrador Retriever
- American Pitbull Terrier
Cranial Cruciate Ligament Rupture, or as some may more commonly recognize this, a CCL rupture, is a painful degenerative knee illness. Trupanion sees, on average, 25,085 claims for CCL rupture from dogs each year. From 2019 – 2023 the number of CCL rupture claims that Trupanion paid was well over 125,000, with nearly 34,500 of those claims coming in 2023 alone. Senior dogs (over age 7) are
Top 5 Dog Breeds Claiming for Cranial Cruciate Ligament Rupture:
- Olde English Bulldog
- Rottweiler
- American Pitbull Terrier
- Boxer
- Bernese Mountain Dog
Trupanion pays almost 500 hip dysplasia claims for cats each year on average, paying a total of 2,492 claims from 2019 – 2023. Over 1,200 of these claims were from 2023, and when normalized for growth was a
Top 5 Cat Breeds Claiming for Hip Dysplasia:
- Maine Coon
- Mixed Breed
- Siamese
- Ragdoll
- American Shorthair
Limping claims also found their way into the top three musculoskeletal claims for both dogs and cats. Limping can be indicative of many different conditions, and these claims are often from vet visits that require diagnostics to assess the underlying cause. From 2019 – 2023, Trupanion paid 208,138 limping claims.
Top 5 Dog Breeds Claiming for Limping:
- Border Collie
- Rottweiler
- Newfoundland
- Bernese Mountain Dog
- Olde English Bulldog
Top 5 Cat Breeds Claiming for Limping:
- Maine Coon
- Persian
- British Shorthair
- Siamese
- Bengal
Begin Coverage Before the Trouble Starts
As the data shows, senior pets are far more likely to claim for musculoskeletal conditions than puppies and kittens or even adult pets.
“It's vital to insure pets when they’re young, so that as they age, should any chronic conditions such as arthritis arise, there are fewer financial barriers to care,” says veterinarian and Trupanion General Manager, Dr. Stephen Rose, BVSc (Hons1) M Infotech CVA ACVCHM. “If pet parents wait to insure until their pet is older, there is higher likelihood that their pet will have pre-existing conditions and then may be too late.”
Trupanion covers the ailments most likely to happen to a pet, so long as the pet doesn’t show any signs or symptoms of the condition before enrollment or during waiting periods. And as can be seen from the data above, Trupanion pays thousands of claims related to musculoskeletal conditions every year.
About truInsights
truInsights is a data focused initiative introduced by Trupanion and designed to deliver valuable health-related data and insights to pet parents, veterinarians and pet lovers alike. With over 20 years of pet health data, Trupanion has explored its veterinary invoice data from more than two million pets and provides details on data trends, as well as prevention tips for keeping our pets safe.
About Trupanion
Trupanion is a leader in medical insurance for cats and dogs throughout the United States, Canada, Europe, Puerto Rico and Australia with over 1,000,000 pets currently enrolled. For over two decades, Trupanion has given pet owners peace of mind so they can focus on their pet's recovery, not financial stress. Trupanion is committed to providing pet parents with the highest value in pet medical insurance with unlimited payouts for the life of their pets. With its patented process, Trupanion is the only North American provider with the technology to pay veterinarians directly in seconds at the time of checkout. Trupanion is listed on NASDAQ under the symbol "TRUP". The company was founded in 2000 and is headquartered in Seattle, WA. Trupanion policies are issued, in the United States, by its wholly-owned insurance entity American Pet Insurance Company and, in Canada, by Accelerant Insurance Company of Canada. Trupanion Australia is a partnership between Trupanion and Hollard Insurance Company. Policies are sold and administered by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). For more information, please visit trupanion.com.
Contacts:
Media: Trupanion Corporate Communications
Corporate.communications@trupanion.com
FAQ
How many musculoskeletal claims did Trupanion (TRUP) process in 2023?
What is the average cost of arthritis claims for dogs and cats with Trupanion (TRUP)?
How much more likely are senior dogs to develop arthritis according to Trupanion (TRUP) data?
What percentage of Trupanion's (TRUP) insured pets had limping claims from 2019-2023?
