[gemy]

I have trupanion, but have not yet had to make a claim. The one they sell here in Canada has no annual cap or lifetime cap per disease or condition.

How-ever what-ever deductible you choose is per disease or condition. So if you choose say the $500 deductible that is a lifetime deductible. If for example your pup requires LS surgery, then any future conditions that can be attributed to LS will also be covered under that same deductible.

If in the same year your dog also has to have FHO surgery then that is a condition different to LS and you would be expected to pay the $500 deductible against that condition.

Of course the higher the deductible you choose the lower the monthly premium, and vice versa.
You can change your deductible amount at any time.