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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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Pet Insurance: Have You Been Denied Coverage Because of Amputation?
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On The Road

Member Since:
24 September 2009
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20 January 2020 - 4:53 pm
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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! smiley7 

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.

Tripawds Founders Jim and Rene | | |


Member Since:
22 February 2013
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20 January 2020 - 5:58 pm
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No insight, just want to say I'm  sorry this happened.  And to happen after they've been covering after TruPanion got a little extra boost by being "mentioned" on this site.  Maybe  it so mich anymore, or certainly  not in a good way.

Will be watching  for input.....

Happy Hannah had a glorious additional bonus time of over one yr & two months after amp for osteo! She made me laugh everyday! Joined April's Angels after send off meal of steak, ice cream, M&Ms & deer poop!

On The Road

Member Since:
24 September 2009
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20 January 2020 - 6:01 pm
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Thanks Sally. They have no idea that they're messing with Wyatt Ray Dawg! 😉

Tripawds Founders Jim and Rene | | |

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