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What Does Pet Insurance Cover? Coverage Examples

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Want to know if pet insurance will cover what you need covered? 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.

 Healthy PawsPets BestPetplanTrupanionEmbraceASPCA24PetWatchAKCFigoNationwidePetFirst
Healthy PawsPets BestPetplanTrupanionEmbraceASPCA24PetWatchAKCFigoNationwidePetFirst
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Exam FeesCheckmarkCheckmarkWellness, fecal, OFA & PennHIP examsUp to $50 annuallyWellnessExamCare PlanCheckmarkWellnessCheckmark

Emergency CareCheckmarkCheckmarkCheckmark
20% copay
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Pre-existing Conditions
Check Ups, Vaccinations, Spay-Neuter, Teeth CleaningExtra Fee
14 Day Waiting Period
Extra FeeExtra FeeExtra FeeExtra FeeExtra FeeExtra Fee
Non-Routine Dental TreatmentCheckmarkCheckmarkCheckmarkCheckmarkExtra FeeCheckmarkCheckmarkCheckmarkCheckmarkPeriodontal disease
Chronic ConditionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark


Waiting Period - 24 Months
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IllnessesCheckmark
Waiting Period - 15 Days
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Waiting Period - 14 Days
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Waiting Period - 15 Days
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Waiting Period - 30 Days
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Waiting Period - 14 Days
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Waiting Period - 14 Days
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Waiting Period - 14 to 30 Days
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Waiting Period - 14 Days
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Waiting Period - 14 Days
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Waiting Period - 24 Hours
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Waiting Period - 14 Days
AccidentsCheckmark
Waiting Period - 15 Days
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Waiting Period - 3 Days
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Waiting Period - 5 Days
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Waiting Period - 3 Days
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Waiting Period - 48 Hours or 15 Days
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Waiting Period - None
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Waiting Period - None
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Waiting Period - 3 Days
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Waiting Period - 5 Days
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Waiting Period - 24 Hours
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Waiting Period - 1 Day
Hereditary ConditionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

InheritedPlus PlanCheckmarkCheckmarkCheckmark

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ACL SurgeryCheckmark
Waiting Period - 15 Days
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Waiting Period - 6 Months
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Waiting Period - 6 Months
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Waiting Period - None
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Waiting Period - None
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Waiting Period - 14 Days
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Waiting Period - 14 to 30 Days
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Waiting Period - 6 Months
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Waiting Period - 12 Months
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Waiting Period - 12 Months
Hip DysplasiaCheckmark
Waiting Period - 12 Months
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Waiting Period - 14 Days
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Waiting Period - 15 Days
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Waiting Period - None
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Waiting Period - None
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Waiting Period - 6 Months*
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Waiting Period - 14 to 30 Days
InheritedPlus PlanCheckmark
Waiting Period - 14 Days
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Waiting Period - N/A
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Waiting Period- 1 Day
Claim LimitsUnlimited$5,000, $10,000 or unlimited$2,500 - unlimitedUnlimited$5,000, $10,000 or $15,000$5,000, $10,000, $15,000, $20,000 or unlimited$1,500, $3,000, $5,000, $10,000 or $20,000$3,000 to $16,000$10,000, $14,000 or unlimitedUnlimited$1,000, $2,000, $5,000, $10,000 or $20,000

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

*Not Eligible for Dogs Enrolled After Their 12th Birthday

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 adopted Sally, a 3 year old hound mix, in 2017 and is loving life as a pet parent.

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3 Comments on "What Does Pet Insurance Cover? Coverage Examples"

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Sarah Yates
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
Kimberly Alt

Thanks for the suggestion Sarah. We will look into adding that in the future!

Sarah Yates
Sarah Yates

I see you added that row Kimberly. Thank you!

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