Coverage for Working Pets

Trupanion offers coverage for the treatment of illnesses and injuries common to law enforcement dogs, search and rescue dogs, hunting dogs, and other working pets.

Working pets often provide a great service to their owners and these owners want to protect them as best they can. Unfortunately, treatment for accidents and illnesses related to activities performed by some working pets is often excluded from coverage because of the higher probability for these accidents and illnesses to occur. But Trupanion offers owners of working pets the option to insure their working pet and be eligible for coverage for these accidents and illnesses.

The following are the categories of working pets currently eligible for Trupanion’s Working Pets coverage.

Law Enforcement Dogs*

photo of a law enforcement dogLaw enforcement dogs, or K-9 cops as they are often called, help protect our communities in a variety of ways, including general patrol, security and protection, and narcotics and explosives detection. Bomb detection and drug detection teams specifically work to keep our schools, businesses, transit terminals, and other locales safe. These dogs are selectively bred, individually tested, and highly trained for these activities. Breeds commonly trained as law enforcement dogs include German Shepherds, Belgian Malinois, and Labrador Retrievers. Examples of injuries include toxin ingestions (illegal substances), lacerations, musculoskeletal injuries, and gunshot wounds.

Search and Rescue Dogs*

Search and rescue dogs are a valuable asset in wilderness tracking, natural disasters, mass casualty events, and in locating missing people or objects. These dogs require extensive training and dedicated handlers to be effective. Typically these dogs work in small teams and can be trained specifically for rubble searches, water searches, and avalanche searches. The most common search and rescue dog breeds include German Shepherds, Border Collies, Labrador Retrievers, and Bloodhounds. Examples of common injuries sustained by search and rescue dogs include eye irritants, musculoskeletal injuries, and lacerations.

Herding Dogs*

Herding dogs serve one of two functions – they either help keep groups of animals together (called “headers”) or they help move groups of animals from place to place (called “heelers”). Headers consistently move to the front of a group of animals to turn or stop their movements while heelers stay behind the herd to keep them moving forward. Injuries common to these herding dogs include being kicked, sprains, strains, and ligament tears. Dog breeds common to this activity include Border Collies, Australian Kelpies, Australian Cattle Dogs, Old English Sheepdogs, and Shetland Sheepdogs.

Hunting Dogs*

photo of a hunting dogAny dog used to assist humans in hunting falls into this category. These could include, but are not limited to hounds (including sighthounds and scent hounds used to hunt rabbits, raccoons, and coyotes), terriers (used to hunt small mammals), Dachshunds (used to hunt badgers, foxes, and rabbits), and gun dogs (the most common, including retrievers, spaniels, and pointers, used to hunt game). Examples of injuries include eye ulcers, punctures from running through brush, lacerations, and gunshot wounds.

Sled Dogs*

Sled dogs are highly trained dogs that are used to pull sleds or sleighs over snow or ice. These sleds are used for hunting, travel, and law enforcement. Great effort is spent selecting these dogs based on endurance, strength, and speed. Common breeds associated with this activity include Alaskan Malamutes, Samoyeds, and Siberian Huskies. Common injuries include musculoskeletal injuries.

Guard Dogs*

Guard dogs are used to guard people or places from intruders. These dogs are trained to bark loudly upon sensing an intruder, alerting their owners to the intruder’s presence and/or scaring away the intruder. They may also be trained to attack and restrain the intruder. Common guard dogs include Chow Chows, Boxers, Doberman Pinschers, German Shepherds, and Rottweilers. There is a higher probability that guard dogs will become injured during their altercations with intruders. Examples of injuries include toxin ingestions (illegal substances), lacerations, musculoskeletal injuries, and gunshot wounds.

Breeding Cats and Dogs*

photo of a breeding dog

Dogs and cats that are not spayed or neutered more commonly develop certain health conditions associated with being intact, including testicular cancer, prostate cancer, and mammary gland tumors. Find out more about this coverage on our Breeding Pets page.

Service Dogs

Service dogs are dogs that help those with disabilities or medical conditions with their day-to-day activities. There are dogs trained specifically to aid the sight-impaired, hearing-impaired, or those suffering from epilepsy or post-traumatic stress disorder, among other conditions. These dogs provide a valuable and highly-regarded service and go through rigorous training and evaluation to become certified.

Therapy Dogs

Therapy dogs differ from service dogs in that they typically do not help their owners with day-to-day activities, but instead are trained to provide affection and comfort to people outside their home, such as in hospitals, retirement homes, nursing homes, schools, and areas affected by natural disasters. Any breed regardless of size can become a therapy dog. The most important characteristic of a therapy dog is its temperament – it must be friendly, patient, confident, gentle, and at ease in a variety of situations.

* An additional premium factor will apply for these pets and pet owners must specify at the time of enrollment which working activities their pet is involved in.