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Pet Insurance Claim of the Week: Dog Inhaled Milk Bone

Randy the 5-month-old Rottie recently had a big scare with a Milk Bone. He was so excited about his treat that he literally inhaled it, and it got stuck in his trachea.

Randy was taken to the emergency veterinary hospital on a Sunday where his owner called the Trupanion office at 9am to get information on how to file a pre-approval. We received an estimate from the veterinary hospital that included radiographs, blood tests, anesthesia, IV fluids, bronchoscopy, and ventilator treatment. By 11am, the critical pre-approval had been approved which means the owner received confirmation that the necessary treatments would be covered.

We sympathize with Randy’s owner and how scary this veterinary visit must have been, especially with such a young puppy. We are wishing them a smooth procedure and quick recovery and are certainly glad we could relieve some of the financial stress that inevitably comes with a situation like this.

The below numbers are based on the pre-approval we received. Veterinarians typically list all possible treatments that may be needed on a pre-approval form to err on the side of caution, but the actual final invoice may be less than the below amount.

Total claim amount: $13,079.20
Deductible applied: -$100.00
Ineligible costs (exam fee): -$116.50
10% co-insurance: -$1,286.27
Eligible for coverage: $11,576.43


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