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Coverage for Mobility Devices

Trupanion's policy offers coverage for orthotics, prosthetics, and carts in the core policy.

These assistive devices help disabled pets live a happy, normal life.
Dog in a mobility cart

Pet owners are always looking for ways to improve the quality of life for their pets. When a crisis strikes that results in a disabled cat or dog, mobility devices are a phenomenal option to keep that pet living a happy, healthy life. Unfortunately, these devices are expensive and are sometimes outside of a family’s budget, but Trupanion policyholders have the opportunity to move forward with this treatment option because of their 90% coverage.*

What kinds of mobility devices are covered by Trupanion?

  • Orthotics: These devices are external support structures for a pet’s leg that help reduce pain and maintain comfort. They can be used long-term or for support during the healing process.

  • Prosthetics: These devices are used to replace a missing leg or portion of a leg that's amputated due to a traumatic injury or illness. The device allows the dog or cat to maintain the same level of activity as a pet with all four legs.

  • Carts: Often called "pet wheelchairs," these devices are frames that a pet is placed in to replace back-end mobility. Carts are designed to provide support and easy maneuverability for an otherwise immobile pet. Typically, a dog or cat needs normal front leg strength in order to power the cart.

These devices aid in the wellbeing of pets by correcting or accommodating their leg, including stabilizing a neurologically deficient limb, providing support for a weak joint, or preventing the shortening of muscles.

A pet can become disabled due to trauma, illness, or old age. Mobility devices can sometimes replace a more traumatic treatment, such as amputation, so it’s important to have all options available to make the best decision for your dog or cat.

Do you cover cosmetic prosthetics?

No, we do not cover cosmetic prosthetics, such as neuticles. We only provide coverage for medically necessary prosthetics used to treat a covered injury or illness.

Is there an additional cost for this coverage?

No, coverage for mobility devices falls under our core policy, meaning there is no additional cost or rider to purchase in order to receive this benefit.

What health conditions are most commonly treated with mobility devices?

Mobility devices are used to aid in a variety of different health conditions, such as:

  • Neurologically deficient limbs

  • Paralysis

  • Weak joints

  • Shortening of muscles

  • Amputation of limbs

  • Recovery from surgery

  • Elbow dysplasia

  • Osteochondrosis

  • Arthritis

Why haven’t mobility devices always been covered?

We do our best to listen to our customers and meet policyholder needs better than anyone else in the pet insurance industry. It was only recently that mobility devices became a veterinary standard of care, and once we understood that, we immediately considered how to include this treatment option in our core policy.

Will you cover mobility devices bought directly from the manufacturer or do I have to buy it from my veterinarian?

While we generally require pet owners to purchase products though their veterinarian, in this case, many veterinarians don’t normally stock these devices so they refer clients elsewhere to purchase them. While the device doesn't have to be purchased from your veterinarian, your veterinarian must recommend it as part of a treatment plan for a covered injury or illness.

Resources

Veterinary Orthopedic Sports Medicine Group
http://www.vetsportsmedicine.com/

K-9 Orthotics & Prosthetics Inc.
http://www.k-9orthotics.com/

K-9 Carts http://www.k9carts.com

Handicapped Pets Canada
http://www.handicappedpetscanada.com

* Terms and conditions apply. See our policy for details

Trupanion Provides Peace of Mind

  1. One Simple Plan

    To get comprehensive coverage without complexity.

  2. 90% Coverage

    To ease your financial commitment in a time of worry.

  3. No Payout Limits

    To get your pet the best care, whatever the cost.

  4. Vet Direct Pay

    So you don't wait for reimbursement checks.

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