Anxiety-related pet insurance claims are on the rise, but that doesn’t necessarily mean more pets are becoming anxious. Instead, experts believe that pet parents are becoming more aware of the signs of anxiety and are seeking help sooner.
Dr. Wailani Sung, senior director of animal admissions and wellbeing at Joybound People and Pets in Walnut Creek, California, explained the trend during her sessions at AVMA Convention 2025 in Washington, D.C. The veterinary behaviorist, who appeared in the Netflix documentary Inside the Mind of a Cat, noted that education and advocacy are playing a key role in this shift.
Pet Insurance Data Reveals a Sharp Increase
According to Trupanion, a leading pet insurance provider, anxiety-related claims have jumped 93% nationwide since 2019. These claims largely cover costs associated with medications and behavioral modification therapies.
Some states have seen even sharper rises. Between 2019 and 2024, six states—New York, Nevada, South Carolina, North Carolina, Washington, Louisiana—and Washington, D.C. recorded increases of 100% or more.
In 2024 alone, Trupanion processed over 25,000 anxiety-related claims, with Louisiana (up 150%) and Washington state (up 149%) showing the most dramatic increases.
Breeds Most Affected
The data also highlighted breed-specific trends:
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Dogs: Australian Cattle Dogs, Terriers, Portuguese Water Dogs, Shetland Sheepdogs, and American Pit Bull Terriers
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Cats: Siamese, Siberians, Bengals, Ragdolls, and Maine Coons
These breeds accounted for some of the highest numbers of anxiety-related insurance claims.
Why Are Anxiety Claims Rising?
Trupanion suggests that multiple factors are driving the increase, including:
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Greater awareness among pet owners
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More time spent at home with pets
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Better access to treatment options
Dr. Sung emphasized that it’s less about anxiety suddenly becoming more common, and more about owners recognizing the signs and taking action.
“More owners are aware about anxiety. They know how to recognize and advocate for their pets, and they want to help them,” Dr. Sung told AVMA News.
The Importance of Early Recognition and Treatment
Dr. Sung, a diplomate of the American College of Veterinary Behaviorists, has seen a shift in her own practice. A decade ago, most of her cases involved aggression. Now, anxiety is the leading concern.
She stressed the importance of early recognition, noting that untreated anxiety can progress into other behavioral and health problems.
Practical recommendations include:
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Early socialization: Puppy classes and kitten kindergarten to build confidence
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Positive reinforcement training: Focusing on rewards over punishment
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Environmental enrichment: Toys, puzzle feeders, and safe spaces for independent rest
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Routine and structure: Consistent exercise, play, and downtime to promote emotional balance
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Medication when necessary: Many separation anxiety cases require psychoactive support alongside training
“Set dogs up for success for when the owners leave,” she advised, pointing out that confidence-building and choice are critical.
Giving Pets a Sense of Control
One of Dr. Sung’s strongest points was the value of providing pets with agency. Simple steps like offering multiple toys, beds, and rest areas can reduce stress by allowing pets to make choices in their environment.
“We are the boss of their world, we control every single aspect of a dog’s life. Environmental control allows them to have some choices. This is really important to give them a little bit of agency,” she explained.
Takeaway for Pet Owners
The surge in anxiety-related insurance claims doesn’t necessarily mean pets are more anxious than before, it signals that pet parents are becoming better informed and proactive. With early recognition, proper training, structured routines, and in some cases, medication, pets can live happier, more balanced lives.
For pet owners, the message is clear: watch for the signs, take them seriously, and don’t hesitate to seek professional help when needed.
