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 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.

HM = Honorable Mention
NR = Not Ranked

 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 Baseline for Pet's HealthCheckmark

Checkmark

Checkmark

Checkmark

Not required, but the first documented vet exam after the policy's effective date will provide a basis for pre-existing conditionsRequires the last 12 months of vet records prior to your first claim
X-RaysCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Blood TestsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

UltrasoundsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Cat ScansCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

MRICheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

RehabilitationCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmark

Behavioral TherapiesCover related exam fees & RX medsCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmark
Specialized ExamsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

SurgeryCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

HospitalizationCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Exam FeesCheckmarkCheckmarkCheckmarkExtra Fee with Wellness CoverageCheckmarkExamCare PlanExtra FeeExtra Fee with Wellness CoverageCheckmark

Emergency CareCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Specialty CareCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

HydrotherapyCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Pre-existing Conditions
Preventative Care (Vaccinations, Spay-Neuter, Teeth Cleaning, etc.)Extra FeeExtra FeeExtra FeeExtra FeeExtra FeeExtra Fee
Non-Routine Dental TreatmentCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Chronic ConditionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

IllnessesCheckmark
Waiting Period - 15 Days
Checkmark
Waiting Period - 14 Days
Checkmark
Waiting Period - 15 Days
Checkmark
Waiting Period - 30 Days
Checkmark
Waiting Period - 14 Days
Checkmark
Waiting Period - 14 to 30 Days
Checkmark
Waiting Period - 14 Days
Checkmark
Waiting Period - 14 Days
Checkmark
Waiting Period - 14 Days
Checkmark
Waiting Period - 24 Hours or 14 Days
Checkmark


Waiting Period - 14 Days
AccidentsCheckmark
Waiting Period - 15 Days
Checkmark
Waiting Period - 3 Days
Checkmark
Waiting Period - 5 Days
Checkmark
Waiting Period - 5 Days
Checkmark
Waiting Period - 48 Hours
Checkmark


Waiting Period - None
Checkmark
Waiting Period - None
Checkmark
Waiting Period - 3 Days
Checkmark
Waiting Period - 5 Days
Checkmark
Waiting Period - 24 Hours or 14 Days
Checkmark


Waiting Period - 1 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 SurgeryCheckmark
Waiting Period - 15 Days
Checkmark
Waiting Period - 6 Months
Checkmark
Waiting Period - 6 Months
Checkmark
Waiting Period - 30 Days
Checkmark
Waiting Period - 6 Months
Checkmark
Waiting Period - 14 to 30 Days
Checkmark
Waiting Period - 14 Days
Checkmark
Waiting Period - 180 Days
Checkmark
Waiting Period - 6 Months
Checkmark
Waiting Period - 12 Months
Checkmark


Waiting Period - 12 Months
Hip DysplasiaCheckmark
Waiting Period - 12 Months
Checkmark
Waiting Period - 6 Months
Checkmark
Waiting Period - 15 Days
Checkmark
Waiting Period - 30 Days
Checkmark
Waiting Period - 6 Months
Checkmark
Waiting Period - 14 to 30 Days
Checkmark
Waiting Period - 14 Days
InheritedPlus Plan
Waiting Period - 180 Days
Checkmark
Waiting Period - 14 Days
Checkmark
Waiting Period - 14 Days
Checkmark


Waiting Period- 14 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 RepaymentUp to 10 daysAverage 5 days or lessAverage 5-14 days (allows up to 30 days)Allows up to 60 daysAverage 5 business days for wellness, average 10-15 days for illness/accidentAllows up to 60 daysAverage 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.

Leave a Reply

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

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!

Send this to a friend