Where can I see actual claims and veterinary cost examples?

Right here! We’re happy to provide real examples of conditions seen in pet insurance claims and veterinary costs associated with them. Remember — your coverage payout percentage determines how much of the cost you won’t have to pay out of your own pocket (e.g., a 90% payout percentage means 90% of eligible costs will be covered by your insurance).

Common pet insurance claims

Exact costs for different medical conditions can vary for pets, depending on the extent of treatment needed, the pet’s age and other existing health conditions, the treatment location, and even the resources available at the veterinary hospital. So, what one pet owner owes for treatment may not be the same as another — even for the same pet health condition. That said, it can be helpful to look at real-life treatment and cost examples to get an idea of the kinds of veterinary expenses your pet can incur over their lifetime.

Below are examples of pet insurance claims from Trupanion claims data and the actual treatment costs (not including exam fees or taxes, where applicable) incurred by individual pets.

Hereditary and congenital conditions

Hereditary and congenital conditions are health issues present in your dog or cat at birth.




Patellar luxation

Surgery and pain medications


Legg-Perthes disease

Surgery and long-term medications



Long-term medications and surgery


Portacaval shunt

Surgery and medication for a period of time


Hip dysplasia

Long-term medications and surgery



Long-term medications and blood work





Fragmented coronoid process

Long-term medications and surgery


Other common illnesses and injuries




Fever of unknown origin and pneumonia

Emergency surgery and hospitalization


Ingestion of foreign body



Gastric dilation volvulus (GDV)



Parvo gastroenteritis

Liquid IV and medication


Stick lodged in between molars



Cruciate ligament tear

Surgery and medication


Cancer (sarcoma)



Hit by car and fractured pelvis

Emergency surgery/span


Acute liver failure

Emergency hospitalization, nutritional therapy, and medication



MRI and medication


Note: All of the above treatment costs are 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 25/7 to answer any questions you may have about your pet health insurance coverage.

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

Trupanion coverage in action

Thanks to Trupanion’s extensive coverage and unlimited payouts, these pets were able to get the veterinary treatment they needed.

Customers dog


Santa Ana, CA

Condition: Lymphoma

Customers cat


Gwynn Oak, MD

Condition: Urinary obstruction

Customers dog


Seekonk, MA

Condition: Arthritis,

Related questions


Best friends deserve the best care

From lovable mutts to specific breeds, we provide medical coverage that’s with you from the adorable puppy years to those sweet, sunset moments.


Here for you, so you can be there for them

When your pet needs unexpected veterinary care, worrying about finances shouldn’t get in the way. Trupanion has your back, so you can focus on what matters most.


Because they're more than just pets

As a responsible breeder, you know your animals deserve the best veterinary care. Trupanion helps make that possible.


Because they're more than a pet

Your pet is your family, and now you can protect them like it. Whether they bark or meow, Trupanion is designed for the life of your furry friend.

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