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Hartville
AM Best Rating of Underwriter or S&P Rating
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
Pets
AM Best Rating of Underwriter or S&P Rating
Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company
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
3 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
6 months
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
AM Best Rating of Underwriter or S&P Rating
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
AM Best Rating of Underwriter or S&P Rating
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
Petfirst
Group 1: California, New York, Massachusetts, Oregon, Texas, Washington, Illinois
Group 2: All other states
AM Best Rating of Underwriter or S&P Rating
PetFirst Healthcare, LLC is the program administrator authorized to underwrite and administer pet health insurance policies and claims on behalf of New Hampshire Insurance Company (NHIC), The Insurance Company of the State of Pennsylvania (ISOP) or Independence American Insurance Company a Delaware insurance company in approved states.
Deductible Range Options Available
$50, $100, $250, $500
Annual or Per Incident Deductibles
Both Available depending on Underwriter
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
No
Annual Limits Options Available
$2,000, $5,000-$10,000, $20,000, Unlimited depending on underwriter
Accident Waiting Period
14 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
1 Year
Other Special Waiting Period(s)
1 year for IVDD
General Coverage Exclusions
Yes
Wellness Coverage Offered
No
Examination Fees Covered
Yes
Other Specified Exclusions
No
Figo
AM Best Rating of Underwriter or S&P Rating
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
No
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
Petplan
AM Best Rating of Underwriter or S&P Rating
Petplan insurance policies are administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan), d/b/a Petplan (Petplan Insurance Agency, LLC in California) and underwritten by XL Specialty Insurance Company and AGCS Marine Insurance Company, a member of the Allianz Group, in the U.S. and XL Specialty Insurance Company - Canadian Branch in Canada.
Deductible Range Options Available
$250 - $1,000
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
$2,500; $5,000; $10,000; $15,000; $20,000; $25,000; unlimited
Accident Waiting Period
5 days
Illness Waiting Period
15 days
Knee - Cruciate Damage/Tear Waiting Period
6 months; Can be waived if your pet is examined by a veterinarian within the first thirty (30) days of the policy and the medical record specifically notes your pet does not have any pre-existing conditions relating to the knees
Other Special Waiting Period(s)
Curable pre-existing conditions
General Coverage Exclusions
Routine care; wellness care; pre-existing conditions
Wellness Coverage Offered
No
Examination Fees Covered
Yes
Other Specified Exclusions
none
PetsPlusUs
AM Best Rating of Underwriter or S&P Rating
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
AM Best Rating of Underwriter or S&P Rating
Products are underwrtitten by United States Fire Insurance Company, produced and administered by C&F Insurance Agency, In. (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 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
Embrace
AM Best Rating of Underwriter or S&P Rating
Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company.
Deductible Range Options Available
$200, $300, $500, $750, $1,000
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage - Accident & Illness
Yes for pets 15 and under
Coverage - Accident Only
Yes
Annual Limits Options Available
$5,000, $10,000, $15,000, $30,000
Accident Waiting Period
2 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
6 months (Option to reduce to 14 days with a simple orthopedic exam)
Other Special Waiting Period(s)
If a "curable" condition remains treatment- and symptom-free for 12 consecutive months, it will be eligible for coverage thereafter.
General Coverage Exclusions
Yes
Wellness Coverage Offered
Yes. It is a supplementary, non-insurance benefit available at an additional cost.
Examination Fees Covered
Yes
Other Specified Exclusions
Bilateral conditions diagnosed pre-policy are not eligible for coverage.