Pet Insurance Claim of the Week: Bilateral Cruciate Ligament Tears - The Trupanion Blog
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Pet Insurance Claim of the Week: Bilateral Cruciate Ligament Tears

This week’s featured pet insurance claim is about a 2-year-old Boxer named Dually. She recently had surgery on both back legs for torn cruciate ligaments. Cruciate ruptures can happen to any dog and also happens to be quite expensive to treat.

How does it happen?
Just like most dogs, Dually loves to run and jump and play, which is what her owners suspect to have caused the ruptures. A few months ago, they noticed that she would limp after playing and it continued to get worse, so they took Dually to the vet.

boxer outside with man
Dually post-surgery with her dad

A ruptured cruciate ligament is due to cranial cruciate ligament disease which can be caused by a number of factors. Overweight dogs face a greater risk due to more weight on their joints. Over time, degeneration can lead to a ruptured ligament.

Dually’s owners noticed she was limping. Dogs often will experience pain and weakness on the affected leg(s). After a trip to the orthopedic surgeon, it was determined that both of Dually’s cranial cruciate ligaments were torn.

There are a few different options to treat cruciate ligament injuries and Dually’s owners opted for tibial tuberosity advancement (TTA) surgery. This type of surgery involves placement of hardware at the knee joints so that the joint can function without a cruciate ligament.

We called Trupanion the night we found out she was having surgery the next day and we were instructed to fax over the estimate we were given and they would do their best to get us the approval as soon as possible. We got home after leaving her with the surgeon about two hours after faxing everything we were asked to and we had a message when we got home that her surgery was approved and would be paid for. It was a relief.

Total claim amount: $6,798.45
Deductible applied: -$0.00 ($500 deductible met on previous claims for this condition)
Ineligible costs (exam fees): -$264.00
10% co-insurance: -$653.45
Trupanion repaid: $5,881.01

We are so thankful Trupanion was there to help us get our female boxer through surgery.

Thank you to Tessa for sharing Dually’s story and photos with us!

boxer dogs and family
Rusty (right) and Dually (left) with their owners

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