What Does Pet Insurance Cover? Coverage Examples

To sustain this free service, we receive affiliate commissions via some of our links. This doesn’t affect rankings. Our review process.

Want to know if pet insurance will cover what you need? Below is a large comparison table showing what companies cover which illnesses, accidents and more. This is to help you see which company will give you the best bang for your buck and protect your dog during the darkest times. New to pet insurance? We encourage you to start with our main pet insurance page, and use this table as a companion to our review articles.

 1st: Healthy Paws2nd: Pets Best3rd: PetplanTrupanionEmbrace24PetWatchASPCA/HartvilleAKCFigoNationwidePetFirst
1st: Healthy Paws2nd: Pets Best3rd: PetplanTrupanionEmbrace24PetWatchASPCA/HartvilleAKCFigoNationwidePetFirst
Visit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit Website
Read ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead Review
Exam Required to Set Health BaselineCheckmark

Checkmark

Checkmark

Checkmark

X-RaysCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Blood TestsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

UltrasoundsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Cat ScansCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

MRICheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

RehabilitationCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmark

Behavioral TherapiesCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmark
Specialized ExamsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

SurgeryCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

HospitalizationCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Exam FeesCheckmarkCheckmarkCheckmarkExtra FeeCheckmarkExamCare PlanExtra FeeExtra FeeCheckmark

Emergency CareCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Specialty CareCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

HydrotherapyCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Pre-existing Conditions
Preventative CareExtra FeeExtra FeeExtra FeeExtra FeeExtra FeeExtra Fee
Non-Routine Dental TreatmentCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Chronic ConditionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Illness Waiting Period15 Days14 Days15 Days30 Days14 Days14 to 30 Days14 Days14 Days14 Days24 Hours or 14 Days14 Days
Accident Waiting Period15 Days3 Days5 Days5 Days48 HoursNoneNone2 Days5 Days24 Hours or 14 Days1 Day
Hereditary ConditionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkInheritedPlus PlanCheckmarkCheckmarkCheckmark

Congenital ConditionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkInheritedPlus PlanCheckmarkCheckmarkCheckmark

Cancer TreatmentsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Diagnostic TreatmentCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Alternative/Holistic TherapyCheckmarkCheckmarkCheckmarkExtra FeeCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmark

Prescription MedicationsCheckmarkCheckmarkCheckmarkCheckmarkExtra FeeCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

ACL Surgery Waiting Period15 Days6 Months6 Months30 Days6 Months14 to 30 Days14 Days180 Days6 Months12 Months12 Months
Hip Dysplasia Waiting Period12 Months14 Days15 Days30 Days6 Months14 to 30 Days14 Days180 Days (InheritedPlus Plan)14 Days14 Days14 Day
Claim LimitsUnlimited$5,000 or unlimited$2,500, $5,000, $10,000, $20,000, $25,000 or unlimitedUnlimited$5,000, $8,000, $10,000, $15,000 or $30,000$1,500, $3,000, $5,000, $10,000 or $20,000$5,000, $10,000, $15,000, $20,000 or unlimited$3,000 to $16,000$10,000, $14,000 or unlimitedUnlimited$2,000, $5,000 or $10,000
Claim Repayment2 days (Allows 10 days)Averages 5 days or less5-14 days (Allows 30 days)Allows 60 daysAverages 5 business days for wellness, 10-15 days for illness/accidentAllows 60 daysAverages 8-9 daysAllows 30 daysN/AAllows 30 days10-14 days

InheritedPlus endorsement is only available for dogs enrolled who are two-years-old and younger.

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Growing up, Kimberly used to get the sniffles when she was around dogs. Thankfully, she grew out of her allergy and is now able to play and snuggle with dogs as much as she wants! She and her husband adopted Sally, a four-year-old hound mix, in early 2017, and she has brought so much joy into their lives. Life as pet parents has been very rewarding.

9
Leave a Reply

newest oldest most voted
AJ North
Under what category would you place accidental injestion of foreign objects?
Janis
What does HM stand for?
Kathleen Jones
I think the 20% copay on emergency services from PetPlan has been done away with?
Sarah Yates
It might help to put exam fees on that list too. I think for some people they would like to know they have to pay a office visit/exam fee because insurance won’t cover that. I know some insurance companies cover it and some don’t.
Kimberly Alt
Thanks for the suggestion Sarah. We will look into adding that in the future!
Sarah Yates
I see you added that row Kimberly. Thank you!