When an infected mosquito bites a pet, it leaves tiny larvae that migrate through the body and grow into adult worms over about six months. In dogs, adult worms can reach a foot long and live for years, and a dog can carry dozens. Cats are less natural hosts and usually have fewer worms, but even immature worms can cause serious lung disease, sometimes called heartworm-associated respiratory disease (HARD).
Heartworm was once thought of as a disease of the southern US, but the American Heartworm Society reports cases in all 50 states. Indoor pets are not fully protected, because mosquitoes get inside.
