We jumped on the pet health insurance wagon late in the year 2012.
After our experiences and the huge expense with Jasmine's medical care we decided to insure JD. He was still perfectly healthy with no medical record, it was time to do that.
Having our dogs fully covered became a high priority.
We would not have been able to cover any more medical disasters out of our pockets which were now more than empty. We're still trying to get out of all the debt we got into.
It was so important to us we even decided to pass on the first girl we were going to adopt because of her murky medical records. There was too much there which could make almost anything she'd come down with later on a pre-existing condition.
Cookie had a clean slate and we insured her immediately after adoption.
While I do feel that the premiums are relatively high, I like that with Trupanion coverage EVERYTHING is covered. Any diagnostic or treatment you can come up with is covered. With our extended plan, this also includes alternative therapies such as acupuncture, chiropractic, laser therapy, physical therapy, even hyperbaric chamber therapy ... if you can think of it, it is covered.
Since then we have made a number of claims for both Cookie's and JD's medical care.
Cookie's pancreatitis treatment, treatment of her sore leg, diagnostics of her elevated ALT ... as well as JD's mast cell tumor treatment.
All diagnostics and treatment of Cookie's iliopsoas injury are also covered.
Until we claimed Cookie's chiropractic treatment.
Here is the interesting bit. It was declined not because chiropractic treatment isn't covered, or because it was not a treatment indicated for Cookie.
It wasn't covered because "the chiropractic work was not done by a veterinarian or in a veterinary clinic under the supervision of a veterinarian."
Unfortunately, up we don't have much choice. There is only one chiropractor doing animal chiropractic far and wide. She is a medical doctor and human chiropractor who is licensed for animal chiropractic. She studied at the Veterinary Chiropractic Learning Centre, where, as it happens, our last chiropractor teaches.
But, she indeed is not a veterinarian and does not provide the treatments in a veterinary clinic.
I am trying to argue my point but it doesn't seem I'll have much success with that.
Rules are rules, I guess, and with large corporations they don't bend. I don't really blame Trupanion for sticking strictly to their rules even though I might not agree with them. I can see why such a rule would be in place.
There isn't much we can do about this since Cookie does need the chiropractic care and this is our only option and we are thankful to have it available.
If you do have a choice, though, be careful not to get caught in such a technicality.
From The End Of A Lead Line To Casa Jasmine: Meet Cookie, Our New Adoptee
And So It Begins Again(?) Our First Health-Related Heart Attack With Cookie
I Didn't Know I Could Fly: Why Cookie Wears A Harness Instead Of A Collar
C.E.T. Oral Hygiene Chews For Dogs CAN Be A Choking Hazzard
Our First Health-Related Heart Attack With Cookie: The Knee Or The Foot?
Creative Solutions And An Incidental Product Review
Too Young For Pot: Cookie's Snack With A Side Of Hydrogen Peroxide
Taming Of The Wild Beast: Cookie's Transition To Civilization
Staying On Top Of The Ears: Cookie Is Not Impressed
Putting The Easy Back Into Walking
Cookie's Ears Are Still Not Happy
The Threat Of The Bulge Is Always Lurking
Today Is Cookie's Three-Months Adoptoversary
Cookie Meets The Electric Horse Fence And Her First Chiropractic Adjustment
Why Examine Your Dog's Vomit?
Why Is That Leg Still Not Happy? Cookie's Leg Keeps Getting Sore
Cookie Too Is Insured With Trupanion
Does Being Insured Mean Being Covered? Our First Claim With Trupanion
Is Cookie's Leg Finally Getting Better?
Is Cookie Going To Be Another Medical Challenge Or Are We Looking To Closely?
The Project That Is Cookie: Pancreatitis Up Close And Personal
Pancreatitis: Cookie’s Blood Work
Another Belly Upset: Pancreatitis Again Or Not?
Happy Birthday, Cookie
Incontinence? Cookie's Mysterious Leaks
Who's Training Whom? Stick And Treat
Don't Just Stand There, Do Something? Cookie's Mysterious Bumps
Cookie's Mysterious Bumps Update
One Vomit, No Vomit
Happy One-Year Adoptoversary, Cookie!
Cookie's Leaks Are Back: Garden Variety Incontinence Or Not?
Cookie's Leaks Update
Don't Panic, Don't Panic: Know What Your Job Is
The Continuing Saga Of Cookie's Leeks: Trying Chiropractic Approach
Cookie's Minor Eye Irritation
Regular Wellness Exam: Cookie's ALT Was Elevated
Cookie's Plantar Paw Pad Injury
How Far To Take It When The Dog Isn't Sick?
Cookie Has Tapeworm Infection
Cookie's Elevated ALT: The Ultrasound and Cytology
Cookie's ALT Update
The Importance of Observation: Cookie's Chiropractic Adjustment
Sometimes You Don't Even Know What You're Looking at: Cookie's Scary "We Have No Idea What that Was"
Living with an Incontinent Dog
Summer Dangers: Cookie Gets Stung by a Bald-faced Hornet
To Breathe or Not To Breathe: Cookie's Hind Legs Transiently Fail to Work (Again)
Figuring out What Might Be Going on with Cookie's Legs: The Process
Figuring out What Might Be Going on with Cookie's Legs: The Diagnosis
Cookie's Iliopsoas Injury Treatment: Trazodone
Cookie's Iliopsoas Injury Treatment: Other Medications
Cookie's Iliopsoas Injury Treatment: Laser, Hydrotherapy and Chiropractic
Cookie's Recovery from Iliopsoas Injury: ToeGrips
Do you have a story to share?
Your story can help others, maybe even save a life!
were the first signs you noticed? How did you dog get diagnosed? What
treatment did/didn't work for you? What was your experience with your
vet(s)? How did you cope with the challenges?
Email me, I'll be happy to hear from you