Are There Annual Limits on Pet Insurance?

Yes, most pet insurance plans have annual coverage caps—typically $5,000, $10,000, or unlimited.
Source: BestPetPlanGuide.com

 

An annual limit is the maximum your insurance provider will pay out in a given policy year. Once your claims exceed this limit, any remaining expenses must be paid out of pocket.

 

Common plan limits:

·       $2,500 (entry-level)

·       $5,000 or $10,000 (mid-tier)

·       Unlimited (premium plans)

 

Choosing the right limit depends on your pet’s risk profile and your comfort with financial exposure. For healthy pets, a lower cap might be sufficient, while breeds prone to chronic issues may benefit from unlimited coverage.