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Hartville
Underwriter
Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company.
Deductible Range Options Available
$100, $250, $500
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
Yes
Annual Limits Options Available
$5,000, $10,000, $15,000, $20,000, Unlimited
Accident Waiting Period
14 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
14 days
Other Special Waiting Period(s)
Pre-Existing conditions may be covered if they are 180 days cured and treatment free, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
General Coverage Exclusions
Yes
Wellness Coverage Offered
Yes by optional endorsement at an additional cost
Examination Fees Covered
Yes for accidents & illnesses
Other Specified Exclusions
Bilateral Knee exclusion if either knee or both had a problem prior to the first policy period
Nationwide
Underwriter
Nationwide Mutual Insurance Company and Affiliated Companies
Deductible Range Options Available
$100 to $1000 depending on the plan
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
50%, 70%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
No
Annual Limits Options Available
Varies by plan selected
Accident Waiting Period
Varies by plan selected and state
Illness Waiting Period
Varies by plan selected and state
Knee - Cruciate Damage/Tear Waiting Period
Varies by plan selected and state
Other Special Waiting Period(s)
None
General Coverage Exclusions
See sample policy for full list of exclusions
Wellness Coverage Offered
Optional and available on select plans
Examination Fees Covered
Yes
Other Specified Exclusions
See sample policy for full list of exclusions. Sample policies available on www.petinsurance.com/forms
Pets
Underwriter
Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company, a Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254. Pets Best Insurance Services, LLC (CA agency #0F37530) is a licensed insurance agency located at 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.
Deductible Range Options Available
$50-$1,000
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
Yes
Annual Limits Options Available
$5,000 or Unlimited
Accident Waiting Period
Most States: 3 Days Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, & Washington: 0 Days
Illness Waiting Period
All States: 14 Days
Knee - Cruciate Damage/Tear Waiting Period
Most States: 6 Months Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, & North Dakota: 30 Days
Other Special Waiting Period(s)
No
General Coverage Exclusions
Yes
Wellness Coverage Offered
Yes with endorsement
Examination Fees Covered
Yes, included with accident only and BestBenefit Elite and Plus options
Other Specified Exclusions
Bilateral / Approved Formulary
ASPCA
Underwriter
Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company.
Deductible Range Options Available
$100, $250, $500
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
Yes
Annual Limits Options Available
$5,000, $10,000, $15,000, $20,000, Unlimited
Accident Waiting Period
14 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
14 days
Other Special Waiting Period(s)
Pre-Existing conditions may be covered if they are 180 days cured and treatment free, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
General Coverage Exclusions
Yes
Wellness Coverage Offered
Yes by optional endorsement at an additional cost
Examination Fees Covered
Yes
Other Specified Exclusions
Bilateral Knee exclusion if either knee or both had a problem prior to the first policy period
Healthy
Underwriter
Policies are underwritten and issued by ACE American Insurance Company, Indemnity Insurance Company of North America, ACE Property & Casualty Insurance Company, Atlantic Employers Insurance Company, Westchester Fire Insurance Company, members of the Chubb Group.
Deductible Range Options Available
$100, $250, $500, $750, $1,000
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
50%, 60%, 70%, 80%, 90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
No
Annual Limits Options Available
No Limit
Accident Waiting Period
15 days
Illness Waiting Period
15 days
Knee - Cruciate Damage/Tear Waiting Period
15 days
Other Special Waiting Period(s)
12 months for hip dysplasia
General Coverage Exclusions
Yes
Wellness Coverage Offered
No
Examination Fees Covered
No
Other Specified Exclusions
Bilateral Cruciate Exclusion / Hip Dysplasia pets over 6 years at enrollment
Figo
Underwriter
A (Excellent)
Deductible Range Options Available
$50, $100, $200, $250, $500, $750, $1000, $1500
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
60%, 70%, 80%, 90%, 100%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
No
Annual Limits Options Available
$10,000, $14,000, No Limit
Accident Waiting Period
5 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
6 months
Other Special Waiting Period(s)
No
General Coverage Exclusions
Link to come
Wellness Coverage Offered
Yes
Examination Fees Covered
Yes with endorsement - The additional charge is determined by age/breed/location and plan/reimbursement/deductible chosen
Other Specified Exclusions
Bilateral - Cruciates * / IVDD - List to come
PetsPlusUs
Underwriter
Pet insurance products are underwritten by Northbridge General Insurance Corporation and are distributed by PTZ Insurance Services Ltd. & Sodaco Juridique Inc. in Quebec.
Deductible Range Options Available
0-5 Years $100, $200, $300 / 5-10 Years $300, $400, $500 / 10+ Years $500, $600, $700
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
Yes
Annual Limits Options Available
$7,500 & $15,000
Accident Waiting Period
48 hours
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
14 days
Other Special Waiting Period(s)
Additional Benefits 48 hours
General Coverage Exclusions
Routine care; wellness care; pre-existing conditions
Wellness Coverage Offered
Yes (with Flex Care)
Examination Fees Covered
Yes
Other Specified Exclusions
Bilateral conditions
Prudent
Underwriter
Pet insurance products are produced and administered by Prudent Pet Insurance Agency, LLC (NPN #18778951). Plans are underwritten by Markel Insurance Company and Markel American Insurance Company.
Deductible Range Options Available
$100, $250, $500
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
Yes
Annual Limits Options Available
$10,000 – Unlimited
Accident Waiting Period
5 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
14 days
Other Special Waiting Period(s)
Pre-Existing conditions may be covered if they are 18-days cured and treatment free, with the exception of knee and ligament conditions. If a knee of ligament condition occurs before the coverage effective date or during a waiting period, any future ones won't be covered.
General Coverage Exclusions
Yes
Wellness Coverage Offered
Yes, by optional endorsement at an additional cost
Examination Fees Covered
Yes for accidents and illnesses
Other Specified Exclusions
Bilateral Knee exclusion if either knee or both had a problem prior to the first policy period
Trupanion
Underwriter
American Pet Insurance Company
Deductible Range Options Available
$0-$1,000
Annual or Per Incident Deductibles
Per Condition
Co-Insurance Range Options Available
90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
No
Annual Limits Options Available
No Payout Limits - Ever
Accident Waiting Period
5 days
Illness Waiting Period
30 days
Knee - Cruciate Damage/Tear Waiting Period
30 Days
Other Special Waiting Period(s)
30 Days for Hip Dysplasia
General Coverage Exclusions
See Policy
Wellness Coverage Offered
No
Examination Fees Covered
No
Other Specified Exclusions
Pre-existing conditions, Taxes
Spot
Underwriter
Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company.
Deductible Range Options Available
$100, $250, $500, $750, $1000
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
Yes
Annual Limits Options Available
$2,500, $4,000, $5,000, $2,500, $4,000, $7,000, $10,000, $15,000, $20,000, Unlimited
Accident Waiting Period
14 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
14 Days
Other Special Waiting Period(s)
Pre-Existing conditions may be covered if they are 180 days cured and treatment free, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
General Coverage Exclusions
See Policy
Wellness Coverage Offered
Yes by optional endorsement at an additional cost
Examination Fees Covered
Yes for accidents and illnesses
Other Specified Exclusions
Bilateral Knee exclusion if either knee or both had a problem prior to the first policy period
Pumpkin
Underwriter
United States Fire Insurance Company, a Crum & Forster Company
Deductible Range Options Available
$100, $250, $500
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
80%, 90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
Accident & Illness
Annual Limits Options Available
$5,000, $7,000, $15,000 for cats and $5,000, $15,000, $20,000 for dogs
Accident Waiting Period
14 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
14 days
Other Special Waiting Period(s)
None
General Coverage Exclusions
Pre-existing conditions, but they can be covered if they are considered curable (e.g., UTI, ear infection) but have been cured and free of symptoms and treatment for 180 days (with the exception of knee and hind leg ligament conditions).
Wellness Coverage Offered
Pumpkin Preventive Essentials - optional add-on preventive care offering (covers an annual wellness exam, vaccines, and lab tests to detect parasites)
Examination Fees Covered
Sick exam fee, yes
Other Specified Exclusions
See sample policy for full list
Trupanion
Underwriter
Omega General Insurance Company
Deductible Range Options Available
$0-$1,000, in $5 increments
Annual or Per Incident Deductibles
Per Condition
Co-Insurance Range Options Available
90% Always
Coverage - Accident & Illness
Accident and Illness
Coverage - Accident Only
N/A
Annual Limits Options Available
Unlimited
Accident Waiting Period
5 days
Illness Waiting Period
30 days
Knee - Cruciate Damage/Tear Waiting Period
30 days
Other Special Waiting Period(s)
N/A
General Coverage Exclusions
Pre-existing conditions, exam fees, taxes
Wellness Coverage Offered
No
Examination Fees Covered
No
Other Specified Exclusions
See sample policy for full list of exclusions
Furkin
Underwriter
Furkin Pet Insurance policies are underwritten by Omega General Insurance Company and are distributed by Canada Pet Health Insurance Services, Inc. Furkin is available in all provinces and territories, excluding Quebec. Furkin, the Furkin Design, "Healthy coverage fur your family" and related words and slogans are trademarks owned by their respective trademark owners and used under license.
Deductible Range Options Available
As low as $100 annually
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
80%
Coverage - Accident & Illness
Comprehensive Accident & Illness Coverage
Coverage - Accident Only
N/A
Annual Limits Options Available
$20,000
Accident Waiting Period
48 hours
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
180 days
Other Special Waiting Period(s)
N/A
General Coverage Exclusions
Pre-existing conditions, but they can be considered for future coverage if they are considered curable (e.g., UTI, diarrhea).
Wellness Coverage Offered
No
Examination Fees Covered
Yes
Other Specified Exclusions
See sample policy for coverage details.
PHI
Underwriter
Omega General Insurance Company
Deductible Range Options Available
$200
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
80%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
No
Annual Limits Options Available
$5,000 + $10,000
Accident Waiting Period
48 hours
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
60 days
Other Special Waiting Period(s)
N/A
General Coverage Exclusions
PHI Direct is an unusual policy. We're truly affordable and the way we can do so is through our new condition coverage which covers up to the first 12 months of a new illness or injury. This is typically when there are higher costs due to the initial diagnosis and treatment of the illness or injury. If the diagnosed illness or injury ends up being a chronic condition or requires further treatment in the policy year following when the condition was identified, we believe pet owners will be in a better position to budget for the ongoing care.
Wellness Coverage Offered
No
Examination Fees Covered
Yes
Other Specified Exclusions
Lemonade
Underwriter
Lemonade Insurance Company and Metromile Insurance Company
Deductible Range Options Available
$100, $250, $500, $750
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
90%, 80%, 70%
Coverage - Accident & Illness
Lemonade’s base accident and illness coverage covers:
  • Diagnostics: blood tests, urinalysis, x-rays, MRIs, labworks, CT scans, and ultrasounds
  • Procedures: outpatient, speciality and emergency care, hospitalization, and surgery
  • Medication: injections and prescription meds
Coverage - Accident Only
Lemonade does not offer accident only coverage
Annual Limits Options Available
$5,000,$10,000,$20,000,$50,000,$100,000
Accident Waiting Period
0 or 2 days, depending on the state
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
6 months or 30 days, depending on the state
Other Special Waiting Period(s)
N/A
General Coverage Exclusions
Pre-existing Conditions: Conditions that existed before the policy’s Start Date or during a Waiting Period, such as Chronic Conditions, Bilateral Conditions, or intervertebral Conditions aren’t covered. However, we do cover some Pre-Existing Conditions that can be Cured, so long as there have been no symptoms or treatment for at least 12 months. Knee Conditions cannot be cured.

Cosmetic or orthodontic procedures, illnesses related to breeding and pregnancy. Any procedure not recommended by a vet.
Wellness Coverage Offered
Lemonade offers a variety of wellness packages that you can customize for your specific pet.
  • Preventative package:
    • 1 wellness exam
    • 3 vaccines
    • 1 parasite test
    • 1 heartworm test
    • 1 blood test
  • Preventative + package:
    • All features in the preventive package, plus:
    • Routine dental cleaning
    • Flea/Tick or heartworm meds
  • Puppy/kitten package
    • 2 wellness exams
    • 2 fecal or internal parasite tests
    • 1 bloodwork
    • 6 vaccines
    • 1 heartworm or FeLV/FIV test
    • Flea/Tick or Heartworm medication
    • Spay/neuter procedure
    • Microchipping
Examination Fees Covered
Lemonade offers a vet visit fee add on package, covering fees for accident and illness visits. Use this when you have a vet exam, vet check-up, physical consultation, office visit, or an emergency room visit. Lemonade’s vet visit fee add-on covers up to the annual base policy limit of $20,000.
Other Specified Exclusions
Spaying or neutering procedures for pets that are over 2 are not covered. Dental illness and routine dental cleaning aren’t covered under our base accident and illness policy but are covered by our dental illness add on.
Kanguro
Underwriter
Cimarron Insurance Company, 7301 Carmel Executive Park Dr #102 Charlotte
Deductible Range Options Available
$100, $200, $500, $700, $1000
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
No
Annual Limits Options Available
$5k, $8k, $10K, $15k, $20k, $30k
Accident Waiting Period
0 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
6 Months
Other Special Waiting Period(s)
None
General Coverage Exclusions
Pre-existing conditions, cosmetic surgery, supplements, spaying or neutering, experimental procedures, breeding/pregnancy/giving birth
Wellness Coverage Offered
Yes, routine wellness or preventative care, routine dental care
Examination Fees Covered
Yes
Other Specified Exclusions
N/A