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Caring for a Three Legged Dog or Cat

Tripawds is the place to learn how to care for a three legged dog or cat, with answers about dog leg amputation, and cat amputation recovery from many years of member experiences.
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Insurance for Tripawd Post Amputation
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Member Since:
9 September 2022
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9 September 2022 - 10:44 am
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Hi all,

I am new to the Tripawd community, so apologies if I haven't put this in the right place! I read the https://tripawd.....-tripawds/ post already and haven't found any forums with semi-recent responses regarding insurance. I was hoping to hear some recommendations (or warnings) for insurance policies for tripawd dogs. I have a goldendoodle Kiko who lost her front left arm at 2 weeks old in a freak accident and I adopted her at 3 months (she's 4 months now). I've been scouring policies and am leaning towards Embrace.

So if anyone has any recommendations I'm all ears! I'm fearful that in a couple years an insurance policy might blame most things on her missing leg and not actually cover anything. Has anyone had any experiences like that?

Thanks in advance!

Carly 🙂

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Member Since:
25 April 2007
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9 September 2022 - 1:54 pm
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Hi Carly & Kiko, welcome! Your future posts won't need to wait for approval so post away. I saw you in the Tripawds Chat this morning but you didn't say anything. Stop by in the mornings (Pacific time), I'm usually around.

I'm so glad you caught the pet insurance podcast post with Embrace and our friend Dr. Kinney. Since then, not a whole lot of movement has happened in the industry. There are new players, but the gist of it is that it is still based on a reimbursement model. So for people fortunate enough to have credit or cash to pay a vet up front, and wait for the insurance company to reimburse them, it's awesome. For people who don't have credit or cash to pay in advance, well, they're still left out of the game. It sucks. And there needs to be a new system developed. I should be having a convo with Dr. Kinney sometime before the end of the year about this failure of the industry.

Meanwhile, for folks lucky enough to work with the current pet insurance model, here's what I can tell you about pet insurance on a Tripawd, after having our Wyatt Ray insured for 12 years, first with Pet's Best, and then later with Trupanion.

Yes, for any orthopedic conditions, chances are good that the company will still point to that condition as a result of being on three legs. For example, Wyatt had bad osteoarthritis and IVDD in his later years. None of it was covered. So you need to be prepared for that. The good news is that if you keep her fit and strong, you may not need to spend that much on helping her in that department. Our Tripawds Rehab Reimbursement Program can pay for your first rehab visit so you can find out how to do just that. Please take advantage of that program so she's off to a great start.

As for other conditions, pet insurance is invaluable if it's with a great company like Embrace. We are currently using them for our current dog, Nellie. With 3.5 legs, she will have ortho issues that I'm sure won't be covered. But for anything else, there shouldn't be an issue. So even though ortho coverage will be practically non-existent for a Tripawd, you really benefit from the insurance for so many other things. As an example, Wyatt Ray loved eating inappropriate objects. In his lifetime he racked up about $10k in exploratory surgeries to get stuff out of his gut! He also had some soft tissue issues that ran about the same amount, all were covered.

I hope this helps! Please consider starting a new topic about Kiko here so we can learn all about your very lucky doggie!

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