Side-by-Side Comparison
21 plans for dogs, 1–3 years
| Feature | Lemonade Pet | Pets Best | Petco Insurance | Odie Pet Insurance | Hartville Pet Insurance | AKC Pet Insurance | ManyPets | PetPartners | Prudent Pet Insurance | Figo Pet Insurance | Paw Protect | ASPCA Pet Insurance | Spot Pet Insurance | Embrace Pet Insurance | Fetch Pet Insurance | Healthy Paws | MetLife Pet Insurance | CarePlus by Chewy | Pumpkin Pet Insurance | Nationwide Pet | Trupanion |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Monthly cost | ~$30/mo | ~$32/mo | ~$35/mo | ~$35/mo | ~$36/mo | ~$37/mo | ~$38/mo | ~$39/mo | ~$40/mo | ~$41/mo | ~$43/mo | ~$44/mo | ~$44/mo | ~$45/mo | ~$46/mo | ~$48/mo | ~$49/mo | ~$50/mo | ~$55/mo | ~$63/mo | ~$65/mo |
| Coverage | Comprehensive, Accident Only | Comprehensive, Accident Only | Comprehensive, Accident Only | Comprehensive, Accident Only | Comprehensive, Accident Only | Comprehensive, Accident Only | Comprehensive, Accident Only | Comprehensive, Accident Only | Comprehensive, Accident Only | Comprehensive | Comprehensive | Comprehensive, Accident Only | Comprehensive, Accident Only | Comprehensive, Accident Only | Comprehensive | Comprehensive | Comprehensive, Accident Only | Comprehensive | Comprehensive, Accident Only | Comprehensive, Accident Only | Comprehensive |
| Reimbursement | 70%, 80%, 90% | 70%, 80%, 90% | 50%, 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 80% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90%, 100% | 90% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 50%, 70%, 80%, 90% | 90% | 90% | 50%, 70%, 90% | 90% |
| Annual deductible | $100–$500 | $50–$1,000 | $100–$500 | $250–$500 | $100–$500 | $100–$500 | $250 | $200–$500 | $100–$500 | $100–$750 | $0 per condition (lifetime per condition) | $100–$500 | $100–$500 | $200–$1,000 | $200–$500 | $100–$500 | $50–$2,500 | $0 per condition (lifetime per condition) | $100–$500 | $250 | $0 per condition (lifetime) |
| Annual max | $10,000–$100,000 | Unlimited | $500–Unlimited | $10,000–Unlimited | Unlimited | Unlimited | Unlimited | $5,000–Unlimited | $5,000–Unlimited | $5,000–Unlimited | Unlimited | $3,000–$10,000 | $2,500–Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
| Pre-existing | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions | ✓ Curable conditions no longer pre-existing after 180 symptom-free days (except knee/ligament) | ✓ Pre-existing conditions may be covered after 1 year of continuous coverage | ✓ Most conditions no longer pre-existing after 18 symptom-free months | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions | ✓ Curable pre-existing conditions eligible after 12 symptom-free months | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions | ✓ Curable pre-existing conditions covered after 12 months symptom-free | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions | ✗ No coverage for pre-existing conditions |
| Accident wait | None (starts day after enrollment) | 3 days (varies by state) | 3 days | 3 days | 14 days | 2 days | State-dependent | 3 days | 3 days | 1 day | 2 days | 14 days | 2 days | 2 days | 2 days | 15 days | None | Varies by state (Trupanion-powered) | 2 days | 14 days (most plans) | Varies by state/policy |
| Illness wait | 14 days | 14 days (varies by state) | 14 days | 14 days | 14 days | 14 days | State-dependent | 14 days | 14 days | 14 days | 14 days | 14 days | 14 days | 14 days | Up to 15 days | 15 days | 14 days | Varies by state (Trupanion-powered) | 14 days | 14 days (most plans) | Varies by state/policy |
| Age range | Under 14 years | 7 weeks and up (no upper limit) | Any age | 8 weeks and up | Any age | Any age | Any age | Any age (including seniors) | 8 weeks and up (no upper age limit) | Any age (no upper limit) | 8 weeks–10 years at enrollment | Any age | 8 weeks and up (no upper age limit) | Under 15 years (accident-only at 15+) | 6 weeks and up | Under 14 years | Any age (no restrictions) | 8 weeks–14 years | 8 weeks and up | Any age | 8 weeks – 14 years |
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