Our No Payout Limit Philosophy - The Trupanion Blog
Underwritten by American Pet Insurance Company

Our No Payout Limit Philosophy

Our unlimited lifetime pet insurance coverage exemplifies our company values of commitment and compassion. We are on the vanguard of pet insurance in this regard – no other provider offers totally unrestricted limits on the amount of care available for your pet.

What does unlimited really mean?

It really is as simple as it sounds. When your pet is sick or injured, the last thing we want is for you to have to negotiate when you can and can’t use your insurance plan for fear of surpassing your payout limit. You will never have a dollar limit placed on your plan.

– Do we give per incident limits? Nope.
– What about annual limits? No way.
– Not even a lifetime limit? Not a chance.

Our competitors offer all three of the above variations, which highlights a distinct difference between their coverage and ours: our unlimited care allows your pet to be protected to the fullest extent at all times.

Shih Tzu

How does no payout limits affect my veterinary care?

As previously mentioned, you will never have to pick and choose when you want to use your policy because of monetary limits. This means taking your pet into the vet whenever it is hurt or unwell. Your dog or cat will more than likely stay healthier longer because of your ability to rely on your veterinarian without reservation.

Optimal, top-of-the-line care will therefore always be provided to your pet. Because of the zero limits on payout, you can seek the finest and fullest care – surgery, hospital stays, and medications – without fear of the costs behind the necessary procedures.

Why not mimic the limits utilized by other companies?

Ultimately, we do what we do because we too are pet owners, pet lovers, and pet advocates. We are interested in providing the best and biggest support possible for pets and their families. Placing payout limits on people when they have no control over how frequently their pet gets sick is unfair. We strive to be as fair as possible in the policies we provide.

Because we believe in giving pets all the care they need, utilizing a payout limit structure would not resonate with our beliefs. We will continue to protect pets with unlimited lifetime healthcare coverage.

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