How do payouts work?

We offer the most flexible payout available, so that you’re in control of your monthly costs. When you sign up for coverage with Trupanion, you can pick the payout percentage that works best for you. Since you know your budget and your pet better than anyone, we put the power in your hands.

During your first 30 days, you’ll have unlimited opportunities to increase or decrease the percentage we pay. After that, you may only decrease the payout percentage. Changes take effect the following month.

How much would you like us to pay?

We don’t believe in limitations or surprises in the small print. So, our payout is simple. When you receive a hospital bill for your pet’s treatment, Trupanion pays the percentage that you chose when signing up for coverage. We’ve even gotten rid of deductibles so you can focus on your pet’s health, not finances.

You can’t predict when or how often your pet will need care

We don’t restrict coverage on the amount of care your pet can receive — period. We also don’t penalize pets just because you file a claim. Unexpected costs might range from $10 to $100,000+. No matter the cost or number of claims, Trupanion will be by your side for lifelong coverage.