What are unlimited payouts?

When injury or illness strikes your pet, there's no telling how much veterinary treatment they’ll need. Your pet may get well quickly and not need a trip to the veterinarian, or your pet may require extensive medical attention. If your pet does need a considerable amount of care (think diagnostic tests, imaging, surgeries, and hospitalization), you could quickly find yourself facing a steep veterinary bill.

This is where having unlimited payments with your pet insurance coverage can make all the difference.

Pet insurance payout percentages vs. limits

If you’ve shopped around for pet health insurance, you’ll notice that companies will usually talk about two things when it comes to payouts: payout percentages (like 70%, 80%, and 90%) and payout limits.

Payout percentage

This is the percent of your eligible bill they are willing to pay you back. For example, if your reimbursement percentage is 70%, and your eligible bill is $500, you will be reimbursed $350 (less any other costs like deductibles).

Payout limit

In a nutshell, this is the maximum amount of money your insurance provider is willing to pay you. With the exception of Trupanion, most pet insurance companies have limits. These can be structured in different ways (see below), but they all restrict how much you can be paid out for your pet’s veterinary treatment in one way or another.

Typical kinds of pet insurance payout limits:

Per incident limits

Coverage ends based on how much money has been paid for a certain condition

Annual limits

Once you hit the annual reimbursement limit, your coverage ends until your policy anniversary (when the limit resets)

Lifetime limits

You are reimbursed a set dollar amount. After meeting it, your insurance coverage ends

Example: A pet insurance company says they will not pay more than $5,000 for treatments related to diabetes. If your pet has diabetes, once you’ve been reimbursed $5,000 you’re on your own for all costs related to diabetes for the rest of your pet’s lifetime.

Example: If your annual limit is $2,000, that’s the most you’ll get back from your insurance company every year, even if your pet’s medical conditions cost thousands more.

Example: A pet insurance company has a lifetime limit of $10,000. If they’ve paid $10,000 toward your pet’s medical bills, they will not pay out any more money for your pet’s coverage.

Trupanion always offers unlimited payouts

After paying your premiums month after month, how do you think you’d feel if your pet insurance company refused to pay out any more because you’ve hit a financial ceiling? Meanwhile, your pet is still in need of medical attention and the bills just keep mounting.

At Trupanion, we believe that pet insurance is meant to help you give your four-legged best friend the absolute best veterinary care possible — it doesn’t make sense to pay for a plan that could come up short.

Tru Logo imageFigo Embrace ASPCA Fetch
  • Unlimited payouts for every pet
Annual limits starting at $10,000 Annual limits starting at $5,000 Annual limits starting at $5,000 Annual limits starting at $2,500

Trupanion will never limit your coverage with financial ceilings

You deserve to be in complete control of your pet’s health care, and you should never have to settle for substandard treatment because your insurance company is limiting payments. With no per incident, annual, or lifetime limits, you can choose the best care possible for your pet without having to hit a predetermined financial ceiling.

Don’t fear visits to the veterinarian. Rest assured that no matter what the future has in store, Trupanion will support every enrolled pet with unlimited payouts.

The true cost of limited payouts

Without being held back by payout limits, these pets were able to get the veterinary treatment they needed with Trupanion.

customer dog


Santa Ana, CA
Condition: Lymphoma


Saved with Trupanion

customer cat


Gwynn Oak, MD
Condition: Urinary obstruction


Saved with Trupanion

customer with dog


Seekonk, MA
Condition: Arthritis,


Saved with Trupanion

Related questions

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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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