Where can I see actual claims and veterinary cost examples?

Right here! We’re excited to provide you with authentic examples of Trupanion pet insurance claims, including the actual veterinary costs involved. These real stories not only highlight the range of conditions dogs and cats face but also show how Trupanion can make a significant difference for your family’s budget and your pet’s well-being.

Understanding how Trupanion coverage works

Quality pet medical insurance like Trupanion is designed to help you manage the often unpredictable costs of veterinary care, much like health insurance for people. When your pet needs treatment, you pay the vet directly, submit a claim, and then receive reimbursement based on your plan’s payout percentage. For example, with a 90% payout, Trupanion covers 90% of eligible costs, so you’re only responsible for the remaining 10% and any items not covered under the policy (taxes, exam fees, etc.) This can be a huge relief when facing expensive or unexpected treatments.

Key points:

Flexible coverage — Our one simple plan enables you to use any licensed veterinarian, including specialists and emergency clinics.
Customizable plans — You can choose your deductible to fit your budget and needs.
Peace of mind — Insurance helps you focus on your pet’s health, not the cost of care.

Learn more about how to file a claim with Trupanion.

Real-life pet insurance claims & cost examples

Here are some real examples from Trupanion’s claims data, showing the actual treatment costs (excluding ineligible costs).

Hereditary and congenital conditions

Hereditary and congenital conditions are health issues that are present in your dog or cat when they are born.

Condition	Treatment	Cost
Patellar luxation	Surgery and pain medications	$4,012
Legg-Perthes disease	Surgery and long-term medications	$6,466
Glaucoma	Long-term medications and surgery	$5,805
Portacaval shunt	Surgery and medication for a period of time	$6,267
Hip dysplasia	Long-term medications and surgery	$7,815
Diabetes	Long-term medications and blood work	$10,496
Ectropion	Surgery	$2,050
Fragmented coronoid process	Long-term medications and surgery	$7,006

Common illnesses and injuries

These conditions are frequently seen among Trupanion claims and can affect dogs and cats of all ages.

Condition	Treatment	Cost
Fever of unknown origin and pneumonia	Emergency surgery and hospitalization	$8,294
Ingestion of foreign body	Surgery	$2,964
Gastric dilation volvulus (GDV)	Surgery	$3,525
Parvo gastroenteritis	Liquid IV and medication	$5,084
Stick lodged in between molars	Surgery	$1,656
Cruciate ligament tear	Surgery and medication	$5,439
Cancer (sarcoma)	Chemotherapy	$5,351
Hit by car and fractured pelvis	Emergency surgery/span	$3,717
Acute liver failure	Emergency hospitalization, nutritional therapy, and medication	$5,453
Seizures	MRI and medication	$1,984

Note: All of the above treatment costs are in USD and from real Trupanion member claims. Treatment costs can vary greatly from pet to pet even for the same condition, so the amounts you see here may not reflect those for your pet even if they are diagnosed with the same condition(s). It’s always a good idea to talk with your veterinarian prior to treatment in order to get a personalized cost estimate. Our Trupanion customer care team is also available 24/7 to answer any questions you may have about your pet health insurance coverage.

We love informed decisions. See the policy for full coverage details.

These examples show how quickly costs can add up, as well as how much insurance can help you manage those expenses.

Why veterinary costs vary

The charts above show real examples of Trupanion claims, but the actual veterinary bills for each condition can vary quite a bit from pet to pet and case to case. Veterinary costs can differ dramatically based on several factors:

Type and severity of condition — Emergency surgeries, chronic illnesses, and hereditary conditions can all have different price tags.
Pet’s age and breed — Older pets or certain breeds may be more prone to specific health issues, affecting treatment costs.
Location — Veterinary care costs can be higher in urban areas or at specialty hospitals.
Treatment options — Advanced diagnostics, surgery, and ongoing medications can add up quickly.

Trupanion coverage in action

Thanks to Trupanion’s robust coverage and no payout limits, these pets received the care they needed without their families having to make heartbreaking decisions based on cost. With up to 90% back on eligible vet bills, you can focus on your pet’s recovery, not your bank account.

Why real claims matter

These aren’t just numbers — they represent real pets and families who were able to say “yes” to the best possible care. Pet insurance can be the difference between affording a life-saving surgery or having to make a difficult choice due to finances. By reviewing real claims, you can better understand the value of coverage and how it can protect both your pet and your peace of mind.

Ready to learn more?

If you want to see more claim scenarios or have questions about your pet’s specific needs, we’re here to help! Explore your options, ask questions, and discover why to choose Trupanion and how pet insurance can provide security and support for every stage of your pet’s life.