Paw Protect
Per-condition deductible model like Trupanion
Comprehensive
Est. monthly (dog)
~$43/mo
Est. monthly (cat)
~$31/mo
Reimbursement
90%
Annual deductible
$0 per condition (lifetime per condition)
Annual max
Unlimited
Age range
8 weeks–10 years at enrollment
Illness wait
14 days
Accident wait
2 days
✗ No coverage for pre-existing conditions
Praised for
- ✓Per-condition deductible model — pay it once per condition, never again
- ✓Direct vet payment option available at participating clinics
- ✓Unlimited annual payout with 90% reimbursement
Watch out for
- ✗Comprehensive coverage only — no accident-only option
- ✗Enrollment age cap; newer brand with limited reviews
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