Most pet insurance caps annual payouts at $5,000-20,000. Cancer treatment alone can exceed that. Here are the insurers that pay out unlimited amounts per year.
A $10,000 annual limit sounds like a lot until your dog needs a $6,000 CCL surgery, develops a post-surgical infection requiring hospitalization ($3,000), and then needs follow-up physical therapy ($2,000). You have hit the cap before the year is over.
For breeds with high cancer rates — Boxers, Golden Retrievers, Bernese Mountain Dogs — cancer treatment alone can cost $15,000-25,000. An insurer with a $10,000 limit covers less than half of a serious cancer case.
Only 3 major US insurers offer truly unlimited annual payouts: Healthy Paws, Trupanion, and Figo. Lemonade offers up to $100,000, which covers most scenarios but not all catastrophic cases.
No annual or lifetime limit. 15-day orthopedic waiting period — the shortest among unlimited insurers. The catch: coverage options reduce at age 5, and hip dysplasia is excluded for pets enrolled at 6 or older. Enroll before age 5 and Healthy Paws is the strongest unlimited option available.
No annual or lifetime limit, 90% reimbursement fixed. Per-condition deductible means you pay once per condition and Trupanion covers 90% indefinitely — ideal for diabetes, cancer, or severe allergies. No age restrictions. The downside: exam fees are not covered and the 30-day illness waiting period is longer than competitors.
Figo is the only insurer offering a 100% reimbursement option — no out-of-pocket costs after the deductible. Unlimited annual limit available. Less widely known than Healthy Paws or Trupanion but strong coverage terms. 6-month orthopedic waiting period.
Lemonade offers up to $100,000 — not unlimited, but more than enough for most catastrophic cases. If Healthy Paws age restrictions apply to your pet, Lemonade is a strong alternative with a much higher limit than most competitors.
The annual limit matters most for:
Upload your pet's vet records and PawClaim shows what Healthy Paws, Trupanion, and Figo would each exclude for your specific pet.
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