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Trupanion's Blog is dedicated to help educate people with pet insurance and pet health information, but more importantly, to have fun!

Solving the Unexpected with Pet Coverage

One of the best ways to illustrate the impact of pet insurance is to bring it to life through concrete examples. Consider a few situations below which put you in the shoes of someone with – or without – pet insurance.

Scenario #1: New Puppy

You adopt an Australian Shepherd puppy, your first dog, from the local shelter. They recommend you get the initial batch of shots at the vet soon. When you pay a visit, your veterinarian recommends you look into pet insurance. You take some pamphlets home with you after the first exam – during which your puppy checks out just fine.

After a few days consideration, you enroll your 9 week old puppy Lima Bean in a pet coverage plan. A few weeks pass, during which time you notice a loss of appetite and energy in Lima Bean. You return to the vet only to discover your puppy has diabetes.

Thanks to your early, responsive enrollment for Lima Bean, every medication, surgery and hospital visit associated with the lifelong condition is covered. Without pet insurance, the financial magnitude would be significantly more daunting. You’re relieved to be paying a reasonable monthly amount to cover Lima Bean’s health.

Australian Shepherd

Scenario #2: Long-time Pet Owner

You’ve had lots of pets over the years – dogs, cats, rabbits, you name it.  They’ve always proved to be remarkably healthy with above average longevity. The pet you presently own is a cat named Murphy.

Murphy is 11 years old and a resilient feline through and through. He’s never injured a paw or come down with a bout of sickness. Because of this, and your history of healthy pets, you don’t have insurance.

All that changes after Murphy experiences a painful urinary infection. The treatment requires several vet visits and quite a bit of medication. You are forced to pay the significant sum out of pocket and end up reconsidering the value of pet insurance.

After weighing the pros and cons between companies carefully, you decide to insure Murphy for the first time. Over the last two years of Murphy’s life, the decision saves you thousands of dollars: his cancer diagnosis as an elderly cat is made a lot easier thanks to your plan. The unexpected becomes manageable.

Scenario #3: Parent of Young Kids

Having a few little kids running around is plenty to manage, but you and your spouse decide to get a new dog. It is a young dog to grow up with your three young children. Finn is a Border Collie with lots of energy and smarts. The house is an exciting handful.

You and the family discuss insurance. Having seen how much your children get bumped and bruised – and recalling prior pets and their injuries – you settle on an affordable plan for Finn. You know the unpredictable can arrive at your doorstep at any moment.

Sure enough, one day while playing out in the front yard, your youngest daughter chases Finn up the stairs into the house. They are playing and fumbling around, only to take a tumble back down the stairs. You hear your daughter crying and yelps coming from Finn. She is just a little shaken up, but it looks like Finn has sprained or possibly broken a foot.

Visiting the vet for diagnosis, medication and physical therapy becomes a cinch because of your pet insurance plan. You aren’t stressed about Finn thanks to the broad support your insurance provides.

Peace of Mind

These are just a few pet stories among many. While each person’s experience with a pet will be unique, having pet coverage provides a foundation to rely on through thick and thin. You and your pet deserve a full, stress-free life.

About Guest Blogger @Trupanion

Interested in guest blogging for Trupanion? Send us an e-mail at socialmedia@trupanion.com! Learn more at: http://trupanion.com/blog/guest-blog-for-trupanion/

4 Responses to Solving the Unexpected with Pet Coverage

  1. Lori says:

    Pet insurance won’t solve anything if the insurance refuses. I enrolled my own dog soon after I got her. Just a month later she injured herself at the dog park and for ONE YEAR has been dealing with patellar luxation in her right knee. Why has she been suffering for a year? Because the insurance says this was a preexisting condition. Insurance that falls back on “preexisting conditions” to get out of helping pets as a way to save money is worse than no insurance at all. Boo hiss on Trupanion. If you look on their website you will find multiple stories about how they helped dogs with the same injury as mine – but they won’t cover my baby’s surgery – basically dooming her to a life of lameness (she’s only a year old) unless some windfall magically comes my way and I can afford to pay for the surgery out of pocket. BOO HISS Trupanion.

    • Stacy says:

      Hi Lori,
      I am so sorry to hear about your dog’s injury! I see that you are pursuing our appeals process so I want to wish you the best of luck. I wish there was more that I could offer here, but please feel free to give us a call any time.

  2. sam says:

    What is your waiting period to cover Knees’s after you take out a policy? I heard it was 12 months, is that correct?

    • Stacy says:

      Hi Sam,
      Great question! Our waiting periods for accidents, including cruciate injuries, is just 5 days. Keep in mind that exclusions for pre-existing conditions still apply. Per our policy, we are unable to cover a knee condition such as a cruciate injury or luxating patella if that same injury is pre-existing on the opposite knee. Please feel free to give us a call with more questions!

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