Home > Dog Health > Pet Insurance > What Does Pet Insurance Cover? Coverage Examples

What Does Pet Insurance Cover? Coverage Examples

How do we keep this site running? This post may contain affiliate links — the cost is the same to you, but we get a referral fee. Compensation does not affect rankings. Thanks!

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 PawsPets BestPetplanTrupanionEmbraceASPCANationwide24PetWatch
Healthy PawsPets BestPetplanTrupanionEmbraceASPCANationwide24PetWatch
Overall Ranking in our Pet Insurance Reviews1st2nd3rd4th5th6thNRNR
Visit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit WebsiteVisit Website
Read ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead ReviewRead Review
X-RaysCheckmark

CheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Blood TestsCheckmarkCheckmarkCheckmarkCheckmarkExtra FeeCheckmarkCheckmarkCheckmark
UltrasoundsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Cat ScansCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

MRICheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

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

Exam FeesCheckmarkCheckmarkWellness, fecal, OFA & PennHIP examsUp to $50 annuallyWellnessWellness
Emergency CareCheckmarkCheckmarkCheckmark
20% copay
CheckmarkCheckmarkCheckmarkCheckmarkCheckmark

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
Checkmark
Waiting Period - 14 Days
Checkmark
Waiting Period - 15 Days
Checkmark
Waiting Period - 30 Days
Checkmark
Waiting Period - 14 Days
Checkmark
Waiting Period - 30 Days
Checkmark
Waiting Period - None
Checkmark
Waiting Period - 14 Days
AccidentsCheckmark
Waiting Period - 15 Days
Checkmark
Waiting Period - 3 Days
Checkmark
Waiting Period - 5 Days
Checkmark
Waiting Period - 3 Days
Checkmark
Waiting Period - 48 Hours or 15 Days
Checkmark
Waiting Period - None
Checkmark
Waiting Period - None
Checkmark

Hereditary ConditionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Waiting Period - 6 Months
CheckmarkCheckmark

Congenital ConditionsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Waiting Period - 6 Months
CheckmarkCheckmark

Cancer TreatmentsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkN/A
Diagnostic TreatmentCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Alternative/Holistic TherapyCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

Prescription MedicationsCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmarkCheckmark

ACL SurgeryCheckmark
Waiting Period - 15 Days
Checkmark
Waiting Period - 6 Months
Checkmark
Waiting Period - 6 Months
Checkmark
Waiting Period - None
Checkmark
Waiting Period - None
Checkmark
Waiting Period - 12 Months
Checkmark
Waiting Period - 12 Months
N/A
Hip DysplasiaCheckmark
Waiting Period - 12 Months
Checkmark
Waiting Period - 14 Days
Checkmark
Waiting Period - 15 Days
Checkmark
Waiting Period - None
Checkmark
Waiting Period - None
Checkmark
Waiting Period - 6 Months*
Checkmark
Waiting Period - N/A
N/A
Unlimited Lifetime BenefitsCheckmarkCheckmarkCheckmarkCheckmark$50,000Checkmark
($400 for Wellness Basic plan)
Claim LimitsNone$5,000, $10,000 or unlimitedVarious Options: $2,500 - 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! She adopted Sally, a 3 year old hound mix, in 2017 and is loving life as a pet parent.

Leave a Reply

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

avatar
Sort by:   newest | oldest | most voted
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!

wpDiscuz

Send this to friend