Payouts as
unlimited as your
love for them

At Trupanion, we know how much your pet means to you. That’s why we never limit how much we pay to cover the cost of treatment if they get ill or injured.

Dalmatian dog waving

When we say no limits,
we. mean. no. limits.

For real. We’re all in on helping cover your pal’s unexpected veterinary costs. Unlike others, we’ll never put a cap on when or how much we pay out.

No payout limits icon

No per-incident limits

We don’t limit payouts based on how much is claimed for a particular health condition.

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No annual limits

There is no cap on how much is paid out each year.

Lifelong Coverage icon

No lifetime limits

We don’t put a cap on what is paid out over your pet’s lifetime.

What unlimited pet coverage looks like

We all want our pets to be happy and healthy throughout their lifetime, but sadly, that’s not always the case. Our unlimited payouts allow you to focus on your pet’s treatment rather than worrying about costs piling up. But hey, why talk when we can show you?

  • $12,545 — our highest payout for Arthritis
  • $7,110 — our highest payout for an allergy
  • $31,125 — our highest payout for Diabetes
Cat at vet

Payouts for your pet’s lifetime

Your pet means everything to you. So, we cover everything they need.

Hereditary Conditions

Hereditary conditions

Unidentified issues

Unidentified issues

Unexpected injuries

Unexpected injuries

Diagnostic tests

Diagnostic tests

Herbal therapy

Herbal therapy

Advanced dentistry

Advanced dentistry



Hospital stays

Hospital stays



Veterinary supplements

Veterinary supplements

Behavioral modifications

Physical therapy

Dog with owner

Not all pet insurance payouts are created equal

You may notice that other pet insurance providers have different kinds of payout limits, but at Trupanion, we don’t believe in having them at all. No dog or cat should be denied treatment because of financial ceilings.

Veterinarians love Trupanion’s unlimited payouts

No vet wants to share difficult news concerning costs. Our unlimited coverage means they can focus on providing the best treatment available.

“Taking away the worry about finances helps clients focus on getting their loved ones quality care. It is like winning the lottery only having to pay a small portion.”

Heather Martland - Panorama Hills Animal Hospital, Calgary, AB

Cat at vet

Real stories, real savings

We helped all these pets get the best care and saved their pet parents thousands in the process.

Brown dog running in field


Delta, B.C.

Hematuria, Allergie

dog laying on floor looking up at owner


Calgary, AB

Bacterial Pneumonia

orange cat sitting in pillows


Edmonton, AB

Allergy Panel, Inflamed Ear Drums, and Foreign Body Ingestion

cute dog with big ears


Witless Bay, N.L.

Intestinal Puncture, Bone Marrow Disease

Customers dog


Calgary, AB

Ear infections, Diarrhea, Enteritis, Allergic Reaction to Medication

Frequently asked questions

No, your coverage percentage will never be reduced if your pet is referred to a specialist or emergency animal hospital. We want your furry friend to get the care they need!

Yes, your pet is covered under your Trupanion plan while you travel throughout the United States, Canada, or Puerto Rico. We also cover your pet on all US and Canadian territories and military bases around the world.

Traveling soon and not sure if your pet’s coverage will follow? Go ahead and give us a call (we’re available 24/7, 365 days a year). Please note that most travel insurance policies in general do not cover pets, so it’s always a good idea to make sure you have a good pet health insurance policy in place beforehand for your furry travel companion.

A pre-existing condition is any illness, condition, or injury for which signs or evidence existed prior to your policy’s effective date. A pre-existing condition can also be an injury or recurrence of an injury that occurred prior to your pet’s coverage effective date. Learning more about pre-existing conditions can help prevent confusion later on.

No, and there’s a specific reason for this. Instead of relying on discounts and other gimmicks brought on by reduced coverage or increased general rates, we provide quality pet medical insurance at the best-value costs possible right from the start.

From nose to tail, we’ve got your pet covered:

  • Hereditary conditions your breed is prone to inheriting
  • Unidentified issues, even if your pet doesn't have an official diagnosis
  • Congenital conditions your pet developed before birth
Read more frequently asked questions
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