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Trupanion Blog

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Pet Insurance Claim of the Week: Luxating Patella

Luxating patella is a condition in which the knee cap of the back leg ‘luxates’ or moves out of place, usually causing temporary immobility of that leg. The condition is more common among toy and small dog breeds.

Casey the 4-year-old Yorkie-mix began displaying symptoms of a luxating patella so his owner brought him to the veterinary clinic for corrective surgery. He should be back to his normal self in no time!

Total claim amount: $2,064.20
Deductible applied: -$0.00
Exam fees: -$0.00
10% co-insurance: -$206.42
Trupanion repaid: $1,857.78

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6 Responses to Pet Insurance Claim of the Week: Luxating Patella

  1. Ines Angelica says:

    In 2001, my 1 yr old mutt developed luxating pattellas. Back then, surgery costed $1,000.00. Today it has almost doubled the costs. Can I get pet med insurance for my 11 yr old mixed dog, and a 18 mos. cocker mix, in Puerto Rico?

    • Stacy says:

      We do offer coverage for dogs and cats in Puerto Rico. You can take a look at quotes and prices by visiting our homepage or by giving us a call at 800-569-7913. Thanks!

  2. Taz' mommy says:

    I’m wondering how this claim could possibly be true when trupanion very clearly states that it does not pay for exam fees… And that the deductible is excluded from reimbursement. Also what about the sales taxes; which trupanion also does not pay?

  3. Lior says:

    Trupanion really doesn’t help with this issue. Most luxating patella issues show up early on. I had my dog register for insurance at the age of 6 months. At the 6 month mark, the doctor noted “very slight patellar laxity for R patella .” Since then (20 months later), Trupanion continues to deny my claims. If the dog will need surgery at some point, they will never cover it. Trupanion is not interested in helping pet owners in my opinion. It’s trying to get out of claims whenever possible. Unlike human health insurance, which covers pre-existing conditions after 18 months, Trupanion does not. I’m letting everyone know to choose a different insurance company.

    • Stacy says:

      Hi Lior,
      I am sad that we couldn’t help financially with your dog’s luxating patella. Unfortunately we must abide by our policy which states that any signs or symptoms prior to full policy coverage (regardless of a final diagnosis or not) is considered pre-existing and not eligible for coverage. If you and your vet feel that the symptoms began after policy coverage then you are welcome to file an appeal for your claims. I hope that it turns around in your favor. Best wishes to your dog!

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