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  Healthy
Paws
Trupanion Petplan Pets
Best
 Embrace   PetFirst  ASPCA   VPI   AKC
Pet Ins
 
24PetWatch
Money
Reimbursement
Amount

(after deductible is met)
70-90% of vet bill 90% of vet bill 70-90% of vet bill 70-100% of vet bill 65-90% of vet bill 70-90% of vet bill 90% of the usual & customary charges for the treatment Determined by a benefit schedule 80-90% of vet bill 80% of vet bill
Payout Caps No per incident, annual or lifetime limits No per incident, annual or lifetime limits Annual limit of $2,500 - unlimited. No lifetime limits Annual limit of $1,000 - $20,000
Lifetime limit of $100,000 - $200,000
Annual limit of $2,000 - $15,000
Lifetime limit of $50,000
Per incident limit of 0 - $3,500
Annual limit of $2,000 - $20,000
Per incident limit of $2,500 - $7,000 Annual limit of $7,000 - $14,000 Per incident limit of $1500 - $10,000
Annual limit of $3,000 - unlimited
Annual limit of $1,500 - $20,000
Deductible $50-500 per year $0 - $1000 per incident $100 - $2,500 either per incident or per year $0 - $1000 per year $100 - $1000 per year $50 - $500 per incident $100, $250 or $500 per year $100 - $1000 per year $100 - $1000 per year $100 - $1,000 per year
Monthly Cost $15 - $90 $12 - $90 $16 - $60 $5 - $90 $13 - $100 $16 - $68 $8 - $80 $12 - $60 $7 - $90 $11 - $58
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Limits
Age Limits
(limits are before signing up. Once enrolled, pets can stay insured regardless of age.)
More than 8 weeks, less than 14 years More than 8 weeks More than 6 weeks More than 7 weeks More than 6 weeks. Pets over 14 can only get accident coverage More than 8 weeks More than 8 weeks, less than 13 years for dogs or 15 years for cats More than 6 weeks, less than 10 years More than 8 weeks More than 8 weeks, less than 8 years for dogs or 10 years for cats
Waiting Period 15 days after policy starts
(12 months for hip dysplasia)
30 days after date on policy 5 days after policy starts for accidents, 15 days after for illness 3 days after policy starts for accidents, 14 days after for illness 14 days after date on policy 1 day after policy starts for accidents, 14 days after for illness 30 days after date on policy 14 days after date on policy, one year after for cruciate ligament injuries and hereditary conditions 1 day after policy starts for acidents, 14 days for illness 1 day after policy starts for acidents, 14 days for illness
Not Covered Pre-existing conditions Pre-existing conditions Pre-existing conditions Pre-existing conditions Pre-existing conditions.
Hereditary and congenital conditions are covered if they have not been suspected before policy is active.
Pre-existing conditions.
Hereditary and chronic conditions are covered on some plans
Pre-existing condtions. Hereditary and congenital conditions not covered on some plans Pre-existing conditions and congenital conditions Pre-existing conditions Pre-existing conditions and certain breed-specific illnesses.
Extras
Routine Care/
Wellness
No No No Yes, with purchase of wellness coverage for extra fee Yes, with purchase of wellness coverage for extra fee Yes, with purchase of wellness coverage for extra fee Yes, with purchase of wellness coverage for extra fee Yes, with purchase of wellness coverage for extra fee Yes, under wellness plan option No
Alternative/
Holistic
Yes Yes, with purchase of Additonal Care package for an extra fee Yes Yes Yes Yes Yes, under certain plans No No Yes
Pet Meds Yes, if prescribed for illness or accident Yes, if prescribed for illness or accident Yes, if prescribed for illness or accident Yes, if prescribed for illness or accident Yes, if administered in the vet clinic. Take home meds covered with Rx option for a fee. Yes, if prescribed for illness or accident Yes, if prescribed for illness or accident Yes, if prescribed for illness or accident Some meds covered under wellness (flea & tick, heartworm) Also coverage if prescribed for illness or injury Yes, if prescribed for illness or accident
Dental Not for routine dental care. Dental accident/illness is covered. Not for routine dental care. Dental accident/illness is covered. Not for routine dental care. Dental accident/illness (including periodontal disease) is covered. Routine dental care may be covered under optional wellness package. Dental accident/illness is covered. Routine dental care may be covered under optional wellness package. Dental accidents are covered, dental illness is not covered. Not for routine dental care. Dental accident/illness is covered. Not for routine dental. Dental accidents are covered, dental illness is not covered. Routine dental coverage may be under an optional wellness package. Dental accident/illness is covered. Routine dental coverage under wellness plans. Dental accident/illness is covered. No

Premiums shown are the lowest prices available. Actual premiums quoted may be higher due to your pet's age, breed or zip code.

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