Pet insurance comparison
Objective attributes only — no prices (quotes are individualized), no “best,” no affiliate links.
Full citation pack:
methodology
· pipeline INSURANCE_CITATIONS.md
| Provider | Reimbursement | Deductible | Caps | Waiting periods | Exam fees | Sources |
|---|---|---|---|---|---|---|
| ASPCA Pet Health Insurance | 70% / 80% / 90% options | Annual ($100 / $250 / $500 options) | Unlimited plan available (plus limited options) | Illness 14 days; accident 14 days (as published on ASPCA compare page) | Yes (marketed as covered) | as published 2026-07-29; verify with insurer |
| Embrace | Selectable % (FAQ example 80%; accident-only example 90%) | Annual (accident-only example $100) | Annual maximum selectable (accident-only example $5,000/yr) | Accidents 2 days; illnesses 14 days; dog orthopedic 6 months (V5 terms; ortho may vary by state) | Policy-dependent — see terms | as published 2026-07-29; verify with insurer |
| Fetch | Customize at quote — see policy | Customize at quote — see policy | Customize at quote — see policy | See policy (not fixed on homepage) | Sick-visit exam fees marketed as covered | as published 2026-07-29; verify with insurer |
| Healthy Paws | Selectable % (examples often 90%) | Annual (examples $250 / $500) | Annual limit $5,000 / $7,000 / unlimited options | FAQ: 15 days after effective date; hip dysplasia 12 months if enrolled ≤5 yrs (state forms may differ) | See policy | as published 2026-07-29; verify with insurer |
| Lemonade Pet | Customizable (deductible + co-insurance) | Customizable | See policy / quote | Illnesses 14 days; orthopedic 30 days (FAQ on lemonade.com/pet) | See policy / customize | as published 2026-07-29; verify with insurer |
| Nationwide | Reimburses eligible expenses (see policy) | Annual deductible (landing page) | See policy / quote | See policy / quote | See policy / quote | as published 2026-07-29; verify with insurer |
| Pets Best | Up to 90% (home marketing) | Annual deductible (footer disclaimer) | No annual or lifetime payout limits (home marketing) | Waiting periods apply — see policy | See policy | as published 2026-07-29; verify with insurer |