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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. We encourage you to visit our pet insurance category and use this table as a companion to our review articles.

 Healthy PawsPetplanPets BestTrupanionEmbraceASPCANationwide24PetWatch
Healthy PawsPetplanPets BestTrupanionEmbraceASPCANationwide24PetWatch
Overall Ranking in our Pet Insurance Reviews1st2nd3rd4th5th6thNRNR
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X-RaysCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Blood TestsCheckmarkCheckmarkCheckmarkCheckmarkExtra FeeCheckmarkCheckmarkCheckmark
UltrasoundsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Cat ScansCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

MRICheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

RehabilitationCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkN/A
Behavioral TherapiesCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkN/A
Specialized ExamsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkN/A
SurgeryCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
HospitalizationCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Exam FeesCheckmarkUp to $50 annuallyWellness, fecal, OFA & PennHIP examsUp to $50 annuallyWellnessWellness
Emergency CareCheckmarkCheckmark
20% copay
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Specialty CareCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkN/A
HydrotherapyCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkN/A
Pre-existing Conditions
Check Ups, Vaccinations, Spay-Neuter, Teeth CleaningExtra Fee
14 Day Waiting Period
Extra FeeExtra FeeExtra FeeExtra Fee
Non-Routine Dental TreatmentCheckmarkCheckmarkCheckmarkCheckmarkExtra FeeCheckmarkCheckmark
Chronic ConditionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkN/A
IllnessesCheckmark
Waiting Period - 15 Days
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Waiting Period - 15 Days
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Waiting Period - 14 Days
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Waiting Period - 30 Days
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Waiting Period - 14 Days
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Waiting Period - 30 Days
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Waiting Period - None
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Waiting Period - 14 Days
AccidentsCheckmark
Waiting Period - 15 Days
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Waiting Period - 5 Days
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Waiting Period - 3 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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Hereditary ConditionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Waiting Period - 6 Months
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Congenital ConditionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Waiting Period - 6 Months
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Cancer TreatmentsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkN/A
Diagnostic TreatmentCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Alternative/Holistic TherapyCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Prescription MedicationsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

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 - 12 Months
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Waiting Period - 12 Months
N/A
Hip DysplasiaCheckmark
Waiting Period - 12 Months
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Waiting Period - 15 Days
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Waiting Period - 14 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 - N/A
N/A
Unlimited Lifetime BenefitsCheckmarkCheckmarkCheckmarkCheckmark$50,000Checkmark
($400 for Wellness Basic plan)
Claim LimitsNoneVarious Options: $2,500 - unlimited$5,000, $10,000 or unlimitedNone$5,000, $10,000 or $15,000$2,500, $3,000 or $5,000None$3,000, $5,000, $10,000 or $20,000

*Not Eligible for Dogs Enrolled After Their 12th Birthday


About Kimberly Alt
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! Although she doesn't have a dog of her own she hopes to have a big dog someday!
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2 Comments on "What Does Pet Insurance Cover? Coverage Examples"

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Sarah Yates
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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
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Kimberly Alt

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

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