Trupanion covers 90% of the cost of every approved claim. Unlike other providers, we don’t impose restrictive incident or annual caps and we don’t reduce your payout with complicated and restrictive fee guides. No hidden fine print. On every approved claim we pay 90% of your actual veterinary bill for costs arising from injury or illness, less the veterinary exam fee.

Let's use an example. Your adored new lap-loving puppy hasn't been himself lately. You bring him to the veterinarian and he's diagnosed with pneumonia. Due to his weak state, he requires several days in the emergency clinic. After a few weeks of medication, there is little improvement so lung surgery is performed.

As the bills continue to mount and surpass $7,000, you feel secure knowing that at least you have pet insurance. That is, until you are told by your vet technician in your clinic that many insurance providers dramatically reduce their payout because of caps or restrictive fee guides. In fact, she quotes an example of one company with a maximum payout of $588 on pneumonia. You quickly call Trupanion to clarify your coverage and payout and are relieved to to be reminded that Trupanion has no caps or restrictive fee guides. Therefore, Trupanion will pay for your current vet bills and will continue to pay 90% of all veterinary bills related to this condition.

No surprises, just total protection for your unlucky pet by Trupanion when you need it most.