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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 pet insurance coverage for these accidents and illnesses.

Law enforcement dogs

Law 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, 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 ingestion (illegal substances), lacerations, musculoskeletal injuries, and gunshot wounds.

law enforcement dog

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

Any 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.

A hunter and his dog

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 ingestion (illegal substances), lacerations, musculoskeletal injuries, and gunshot wounds.

Breeding cats and dogs*

Dogs and cats who are in breeding programs are usually purebreds and their offspring are intended to be sold. These pets are usually recorded in a breed registry, which keeps documentation of the dog’s or cat’s pedigree. Doberman Pinchers, Poodles, Beagles, Persians, Siamese, and Maine Coons are examples of purebred dogs and cats. Sometimes these pets are crossbred with other breeds, with the intention of creating a new breed. Ragdolls, Savannahs, Labradoodles, Puggles, and Cookapoos are crossbred cats and dogs. Breeding pets may encounter certain health conditions associated with reproduction which is why Trupanion offers a Breeding Rider. Note, an additional premium factor will apply for breeding pets.

A dog nursing her puppies

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.

* Terms and conditions apply. See our policy for details. Residents of WA or CA see our policy here. Residents of all other states, Puerto Rico, and Canada, see our policy here

 3 Reasons to Choose Trupanion

  1. 90% Coverage

    We cover 90% of actual veterinary costs*

  2. No Payout Limits

    No dollar limits on the cost of care if your pet becomes sick or injured

  3. One Simple Plan

    One simple and comprehensive plan

Find out more


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