You basically just need to ask your insurance company if they cover rehabilitation therapy, and they will tell you if its included in the policy or if you need to pay an extra premium for the coverage. For example, Trupanion covered rehab for an extra $7 per month for Wyatt Ray .

What we were told by two insurance companies about amputation as a pre-existing coverage was this: they don't ding you for being an amputee, but if the dog develops a situation that directly correlates with being an amputee, such as osteoarthritis in the remaining limb, then that might not be covered. In the case of our Wyatt Ray , his degenerative arthritis in his remaining rear leg was not covered, because Trupanion felt it was caused by his altered gait. This was based on his previous health history and notes left by the vets who cared for him.

Since every carrier is different, and one is not necessarily better or worse for Tripawd animals, you want to have a medical record review of the dog conducted to find out exactly what will and will not be covered. That requires purchasing the policy and then having it the company's underwriters do it during the first month. If a company will not provide a medical record review, skip 'em and go on to the next. This is the ONLY way to find out what is and what isn't considered a pre-existing coverage by the company. Embrace Pet Insurance is one of the most upfront about pre-existing and medical record reviews.

The podcast I linked to describes exactly what a medical record review is, and how to go about getting one.

I'm so glad you asked about this, not many people do and it's so important to know. Please keep us posted on what you find out.