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Trupanion Blog

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Dog Total Hip Replacement for Hip Dysplasia – Trupanion

This week’s claim of the week is not an actual claim (yet) but a pre-approval. When an insured pet needs a treatment, the owner may send in a pre-approval form to find out in advance whether or not the claim will be approved. This saves you from the worry of going through an expensive treatment for your pet and wondering whether or not pet insurance will cover it.

Mack is a 1-year-old dog that has recently been experiencing problems with his hips (hip dysplasia). His vet recommended a total hip replacement and provided us with an estimated cost of the procedure.

Pet insurance claim amount (two claims): $5,500.00
Deductible applied: -$0.00
Exam fee: N/A
10% co-pay: -$550.00
Trupanion repaid: $4,950.00

About Stacy @Trupanion

Stacy Kowalchuk is a dog mom to her rescued Whippet-mix, Ellie. During the week, you can find Stacy surfing (the internet, that is) and managing Trupanion's presence in the social media world. In her free time, Stacy likes to bake, especially cupcakes! To balance her culinary affinity, she also likes to stay active, especially with activities that include her dog such as hiking and going to dog parks.

5 Responses to Dog Total Hip Replacement for Hip Dysplasia – Trupanion

  1. Taryn says:

    I can not believe this!!!!! I have a English Bulldog whom just turned 4. He was diagnosed with hip dysplasia @ 5 mos old. Is my dog able to do this?! The story about Mack is truly INCREDIBLE!!!!!!!!! Who would’ve thought that there are truly people who actually care about other peoples beloved dogs, cats and other animals!!!!! I do not have pet insurance as of yet but we are looking and TRUPANION is definitely what we are leaning towards!!!!

    Sincerely,
    Trojan’s very concerned mommy, daddy n sis

    • Stacy K. says:

      Hi Taryn,
      Aww, I’m so sorry to hear about Trojan. :(
      Unfortunately, pet insurance won’t pay for conditions that are pre-existing to the policy, so it wouldn’t help with the hip dysplasia condition that your dog already has.
      If anything new and unrelated were to occur in the future, then pet insurance would be helpful!
      There are various different savings plans to help you pay for veterinary treatments, like Care Credit. There are also funds that offer money to those in need such as the AAHA Helping Pets Fund, and Wishes and Angels. I hope this helps!
      -Stacy

  2. Susan says:

    I can’t find the pre-approval form online. Is it. Seems it should be, but I can only find the claim form and sample policy. This is truly a great story about the dog hip replacement. It is exactly why we have trupanion. Sorry to have started the post in a negative (ish) way, but I came on line to find the pre-approval for for a vet appointment we have in the morning. I just assumed I could print one tonight. I found this story be searching for pre-approval.

  3. Kylie says:

    My dog has hip dysplasia, but she hasn’t been diagnosed by a vet. So I could theoretically apply for pet insurance, get approved, and then immediately take my dog in for diagnosis and treatment?
    I know it’s a sneaky way to go about things, but as long as there is nothing about the diagnosis on paper or in vet records, then technically the condition isn’t pre-existing, right?

    • Stacy says:

      Hi Kylie,
      This is a good question that has likely crossed the minds of many pet owners. There are a few systems in place to keep claim processing fair for everyone. (If we were to unrightfully pay claims, it would dramatically and unfairly increase the prices for paying customers)
      1. Our claim decisions are based on signs and symptoms rather than a final diagnosis. This allows us to process claims faster: pet owners can receive coverage for the diagnostic testing and ongoing care without having to wait for a final diagnosis. Secondly, it allows us to determine whether a condition is pre-existing. Even without a diagnosis, it is clear when a pet has been experiencing signs or symptoms of a condition, which allows us to determine if it is pre-existing to policy coverage.
      2. Waiting periods. Typically, pet insurance coverage is not effective immediately when you sign up. You must pass a certain period of time (with Trupanion, it is 30 days for illness and 5 days for injury) before coverage is effective.

      It is our goal to provide a quality service that is fair to all policyholders. We encourage pet owners to insure their pets as soon as possible to help prevent coverage exclusions due to being pre-existing. Please feel free to give us a call if you have questions!

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