The UK Pet Insurance Claims Rise 2025 has taken the veterinary world by storm, with a sharp increase in submitted insurance claims across the country. According to reports from top insurers like Agria, Petplan, and ManyPets, the largest spike is seen in small dog breeds—especially dachshunds, who are facing a growing number of spinal issues, notably Intervertebral Disc Disease (IVDD).
These medical emergencies have driven up insurance payouts, prompting new discussions around pet care costs, premium adjustments, and preventive care strategies.
Why Are Claims Rising in 2025?
The surge in UK Pet Insurance Claims Rise 2025 is driven by several key factors:
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Increased awareness of pet health coverage
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Rise in spinal and joint issues in small breeds
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Expensive treatments including MRI scans and surgeries
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More pet owners investing in comprehensive insurance plans
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Better diagnostic technology leading to early disease detection
Veterinary costs have also increased post-2024 inflation, contributing to higher claim values.
Dachshunds and IVDD – The Main Concern
Dachshunds, one of the UK’s most popular breeds, are at the center of the UK Pet Insurance Claims Rise 2025 due to their predisposition to Intervertebral Disc Disease (IVDD). Here’s why:
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Their long spine and short legs make them vulnerable to back issues
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IVDD can occur suddenly, causing partial or full paralysis
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Average treatment costs range from £2,500 to £6,000 per case
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Some cases require emergency surgery, rehabilitation, and long-term care
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Claims involving IVDD have tripled compared to 2023 figures
Most Affected Breeds and Cost Overview
Here’s a table outlining breeds with the highest increase in insurance claims in 2025:
| Breed | Common Ailment | Avg. Claim Amount |
|---|---|---|
| Dachshund | IVDD / Back Problems | £3,800 |
| French Bulldog | Breathing issues | £2,900 |
| Pug | Eye & respiratory | £2,400 |
| Labrador | Joint surgery | £3,200 |
| Cocker Spaniel | Ear infections | £1,800 |
The UK Pet Insurance Claims Rise 2025 isn’t isolated to one breed, but dachshunds have experienced the steepest cost jumps.
Insurance Providers’ Response
Due to the UK Pet Insurance Claims Rise 2025, insurers have started adjusting their approach:
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Premiums for high-risk breeds like dachshunds have gone up
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Some insurers have added waiting periods for orthopedic issues
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Lifetime coverage policies are becoming more selective
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Discounts now being offered for early diagnosis and wellness checks
Pet owners are encouraged to review their policies, especially if they have small breeds prone to hereditary conditions.
FAQs
What is the UK Pet Insurance Claims Rise 2025?
The UK Pet Insurance Claims Rise 2025 refers to the substantial increase in insurance claims, particularly for dachshunds and other small breeds prone to costly conditions like IVDD.
Why are dachshunds heavily affected?
Dachshunds have a long back and are genetically prone to Intervertebral Disc Disease (IVDD). This condition is one of the most claimed issues in the UK for 2025.
How much does IVDD treatment cost?
IVDD treatment can range from £2,500 to £6,000, depending on the severity and whether surgery is required.
Will insurance premiums increase in 2025?
Yes, several insurers have already increased premiums for high-risk breeds, especially those with historical claims data like dachshunds, pugs, and bulldogs.
What can pet owners do to reduce risks?
Avoid high-impact jumping, maintain healthy weight, invest in orthopedic bedding, and take your pet for regular vet checks to catch early signs of trouble.
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