If you enrolled in a pet insurance plan after your pet lost a limb, I would like to know if your company has since denied you care for anything related to limb loss.

I'm asking because, Wyatt's company, Trupanion, has always covered rehab therapy and medications to help his hind end issues (osteoarthritis and tendonopathy). But apparently they've had a change of heart. Last week they denied a claim for rehab care to help resolve an iliopsoas strain. When I asked why, they told me that the vet's notes mentioned the strain was caused by hind-end weakness related to his missing leg. Since amputation was done pre-policy, they won't cover the treatment.

We appealed the claim and they still denied it. Nobody could tell me why our other claims were covered and this one wasn't.

I called four different pet insurance companies to find out if amputation done pre-policy is considered a pre-existing, and they all said yes. This basically means that rehab and orthopedic care will be excluded for pets who get insurance coverage after amputation. These are two of the highest costs of caring for a Tripawd!  

In my world, that means that we are paying full price on pet insurance policies yet getting a fraction of the benefits. Most importantly, it means Tripawds are discriminated against by pet insurance companies!

I'm arranging a podcast with industry reps about this issue. If you've been affected the same way we have, please post below. I'd love to hear more.