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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
| 90% |
| Coverage - Accident & Illness |
| Yes |
| Coverage - Accident Only |
| Accident & Illness |
| Annual Limits Options Available |
| $7,000, $15,000 for cats and $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 |
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| 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 |
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| 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. |
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| 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 |
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| 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:
|
| 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.
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| 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. |
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| 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 |
