After a long evaluation of pet health insurance options, we have decided to insure JD with Trupanion.
It was the most no-nonsense policy we found.
The one dilemma we had was whether or not to add the Additional Care Package, because while the Core policy covered pretty much everything, hip dysplasia would be covered by the additional package only.
Frankly, with all the ongoing medical expenses we have with Jasmine, we felt we could not afford the additional care package.
What were the odds that JD would need hip dysplasia treatment at one point or another? Hip dysplasia is not a bug which your dog could catch later in life. As the puppy is growing, the hips either develop properly or they don't. JD is five years old, you'd think by now we'd know whether or not he has it.
Here is the catch, though. While severe dysplasia will become apparent quite quickly, what if the joint was just a little bit off? Something like that would not become apparent until later in life, with progressive degenerative damage to the hip joints. Short of taking x-rays, there is no way of knowing for sure.
It was a big relief to us to see that hip dysplasia is now covered in the core package.
Their Additional Care Package got quite extensive too. It now covers just about anything you can think of, such as acupuncture, behavioral modification, bone marrow transplants, chiropractic care, colloidal silver treatments, gold seed therapy, herbal therapy, homeopathy, hydrotherapy, hyperbaric oxygen therapy, kidney transplants, naturopathy, physical therapy, platelet rich plasma injections, stem cell therapy, shockwave therapy and polyethylene glycol medication.
Now I just wish we could afford to include that as well.
Trupanion Coverage is Now Even Better
Coverage for Additional Care Package
Getting On The Pet Health Insurance Wagon: Does Being Insured Equal Being Covered?