Compare the best provider | ASPCA Hartville and more!

COVERAGE OPTIONS
Underwriter
Deductible Range Options Available
Annual or Per Incident Deductibles
Co-Insurance Range Options Available
Coverage - Accident & Illness
Coverage - Accident Only
Annual Limits Options Available
Accident Waiting Period
Illness Waiting Period
Knee - Cruciate Damage/Tear Waiting Period
Other Special Waiting Period(s)
General Coverage Exclusions
Wellness Coverage Offered
Examination Fees Covered
Other Specified Exclusions


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.
Hartville Deductible Range Options Available $100, $250, $500
Hartville Annual or Per Incident Deductibles Annual
Hartville Co-Insurance Range Options Available 70%, 80%, 90%
Hartville Coverage - Accident & Illness Yes
Hartville Coverage - Accident Only Yes
Hartville Annual Limits Options Available $5,000, $10,000, $15,000, $20,000, Unlimited
Hartville Accident Waiting Period 14 days
Hartville Illness Waiting Period 14 days
Hartville Knee - Cruciate Damage/Tear Waiting Period 14 days
Hartville 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.
Hartville General Coverage Exclusions Yes
Hartville Wellness Coverage Offered Yes by optional endorsement at an additional cost
Hartville Examination Fees Covered Yes for accidents & illnesses
Hartville Other Specified Exclusions Bilateral Knee exclusion if either knee or both had a problem prior to the first policy period


Nationwide Underwriter A+
Nationwide Deductible Range Options Available $100, $250
Nationwide Annual or Per Incident Deductibles Annual
Nationwide Co-Insurance Range Options Available 50%, 70%, 90%
Nationwide Coverage - Accident & Illness Yes
Nationwide Coverage - Accident Only No
Nationwide Annual Limits Options Available $10,000, Unlimited
Nationwide Accident Waiting Period 14 days
Nationwide Illness Waiting Period 14 days
Nationwide Knee - Cruciate Damage/Tear Waiting Period 12 months
Nationwide Other Special Waiting Period(s) None
Nationwide 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).
Nationwide Wellness Coverage Offered Optional
Nationwide Examination Fees Covered Yes
Nationwide Other Specified Exclusions Example: See sample policy for full list – if accurate please provide a sample policy.


Pets Best 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.
Pets Best Deductible Range Options Available $50-$1,000
Pets Best Annual or Per Incident Deductibles Annual
Pets Best Co-Insurance Range Options Available 70%, 80%, 90%
Pets Best Coverage - Accident & Illness Yes
Pets Best Coverage - Accident Only Yes
Pets Best Annual Limits Options Available $5,000 or Unlimited
Pets Best Accident Waiting Period All states except Maine, 3 days. Maine Only, 0 days
Pets Best Illness Waiting Period All states except Maine, 14 days. Maine Only, 14 days
Pets Best Knee - Cruciate Damage/Tear Waiting Period All states except Maine: 6 Months. Maine Only, 30 days
Pets Best Other Special Waiting Period(s) No
Pets Best General Coverage Exclusions Yes
Pets Best Wellness Coverage Offered Yes with endorsement
Pets Best Examination Fees Covered Yes, included with accident only and BestBenefit Elite and Plus options
Pets Best 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.
ASPCA Deductible Range Options Available $100, $250, $500
ASPCA Annual or Per Incident Deductibles Annual
ASPCA Co-Insurance Range Options Available 70%, 80%, 90%
ASPCA Coverage - Accident & Illness Yes
ASPCA Coverage - Accident Only Yes
ASPCA Annual Limits Options Available $5,000, $10,000, $15,000, $20,000, Unlimited
ASPCA Accident Waiting Period 14 days
ASPCA Illness Waiting Period 14 days
ASPCA Knee - Cruciate Damage/Tear Waiting Period 14 days
ASPCA 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.
ASPCA General Coverage Exclusions Yes
ASPCA Wellness Coverage Offered Yes by optional endorsement at an additional cost
ASPCA Examination Fees Covered Yes
ASPCA Other Specified Exclusions Bilateral Knee exclusion if either knee or both had a problem prior to the first policy period


Healthy Paws 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.
Healthy Paws Deductible Range Options Available $100, $250, $500, $750, $1,000
Healthy Paws Annual or Per Incident Deductibles Annual
Healthy Paws Co-Insurance Range Options Available 50%, 60%, 70%, 80%, 90%
Healthy Paws Coverage - Accident & Illness Yes
Healthy Paws Coverage - Accident Only No
Healthy Paws Annual Limits Options Available No Limit
Healthy Paws Accident Waiting Period 15 days
Healthy Paws Illness Waiting Period 15 days
Healthy Paws Knee - Cruciate Damage/Tear Waiting Period 15 days
Healthy Paws Other Special Waiting Period(s) 12 months for hip dysplasia
Healthy Paws General Coverage Exclusions Yes
Healthy Paws Wellness Coverage Offered No
Healthy Paws Examination Fees Covered No
Healthy Paws Other Specified Exclusions Bilateral Cruciate Exclusion / Hip Dysplasia pets over 6 years at enrollment

Group 1: California, New York, Massachusetts, Oregon, Texas, Washington, Illinois Group 2: All other states
Petfirst Underwriter 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.
Petfirst Deductible Range Options Available $50, $100, $250, $500
Petfirst Annual or Per Incident Deductibles Both Available depending on Underwriter
Petfirst Co-Insurance Range Options Available 70%, 80%, 90%
Petfirst Coverage - Accident & Illness Yes
Petfirst Coverage - Accident Only No
Petfirst Annual Limits Options Available $2,000, $5,000-$10,000, $20,000, Unlimited depending on underwriter
Petfirst Accident Waiting Period 14 days
Petfirst Illness Waiting Period 14 days
Petfirst Knee - Cruciate Damage/Tear Waiting Period 1 Year
Petfirst Other Special Waiting Period(s) 1 year for IVDD
Petfirst General Coverage Exclusions Yes
Petfirst Wellness Coverage Offered No
Petfirst Examination Fees Covered Yes
Petfirst Other Specified Exclusions No


Figo Underwriter A (Excellent)
Figo Deductible Range Options Available $50, $100, $200, $250, $500, $750, $1000, $1500
Figo Annual or Per Incident Deductibles Annual
Figo Co-Insurance Range Options Available 60%, 70%, 80%, 90%, 100%
Figo Coverage - Accident & Illness Yes
Figo Coverage - Accident Only No
Figo Annual Limits Options Available $10,000, $14,000, No Limit
Figo Accident Waiting Period 5 days
Figo Illness Waiting Period 14 days
Figo Knee - Cruciate Damage/Tear Waiting Period 6 months
Figo Other Special Waiting Period(s) No
Figo General Coverage Exclusions Link to come
Figo Wellness Coverage Offered No
Figo Examination Fees Covered Yes with endorsement - The additional charge is determined by age/breed/location and plan/reimbursement/deductible chosen
Figo 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.
PetsPlusUs Deductible Range Options Available 0-5 Years $100, $200, $300 / 5-10 Years $300, $400, $500 / 10+ Years $500, $600, $700
PetsPlusUs Annual or Per Incident Deductibles Annual
PetsPlusUs Co-Insurance Range Options Available 70%, 80%, 90%
PetsPlusUs Coverage - Accident & Illness Yes
PetsPlusUs Coverage - Accident Only Yes
PetsPlusUs Annual Limits Options Available $7,500 & $15,000
PetsPlusUs Accident Waiting Period 48 hours
PetsPlusUs Illness Waiting Period 14 days
PetsPlusUs Knee - Cruciate Damage/Tear Waiting Period 14 days
PetsPlusUs Other Special Waiting Period(s) Additional Benefits 48 hours
PetsPlusUs General Coverage Exclusions Routine care; wellness care; pre-existing conditions
PetsPlusUs Wellness Coverage Offered Yes (with Flex Care)
PetsPlusUs Examination Fees Covered Yes
PetsPlusUs Other Specified Exclusions Bilateral conditions
Learn More about PetsPlusUs


Prudent Pet 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.
Prudent Pet Deductible Range Options Available $100, $250, $500
Prudent Pet Annual or Per Incident Deductibles Annual
Prudent Pet Co-Insurance Range Options Available 70%, 80%, 90%
Prudent Pet Coverage - Accident & Illness Yes
Prudent Pet Coverage - Accident Only Yes
Prudent Pet Annual Limits Options Available $10,000 – Unlimited
Prudent Pet Accident Waiting Period 5 days
Prudent Pet Illness Waiting Period 14 days
Prudent Pet Knee - Cruciate Damage/Tear Waiting Period 14 days
Prudent Pet 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.
Prudent Pet General Coverage Exclusions Yes
Prudent Pet Wellness Coverage Offered Yes, by optional endorsement at an additional cost
Prudent Pet Examination Fees Covered Yes for accidents and illnesses
Prudent Pet 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
Trupanion Deductible Range Options Available $0-$1,000
Trupanion Annual or Per Incident Deductibles Per Condition
Trupanion Co-Insurance Range Options Available 90%
Trupanion Coverage - Accident & Illness Yes
Trupanion Coverage - Accident Only No
Trupanion Annual Limits Options Available No Payout Limits - Ever
Trupanion Accident Waiting Period 5 days
Trupanion Illness Waiting Period 30 days
Trupanion Knee - Cruciate Damage/Tear Waiting Period 30 Days
Trupanion Other Special Waiting Period(s) 30 Days for Hip Dysplasia
Trupanion General Coverage Exclusions See Policy
Trupanion Wellness Coverage Offered No
Trupanion Examination Fees Covered No
Trupanion 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.
Spot Deductible Range Options Available $100, $250, $500, $750, $1000
Spot Annual or Per Incident Deductibles Annual
Spot Co-Insurance Range Options Available 70%, 80%, 90%
Spot Coverage - Accident & Illness Yes
Spot Coverage - Accident Only Yes
Spot Annual Limits Options Available $2,500, $4,000, $5,000, $2,500, $4,000, $7,000, $10,000, $15,000, $20,000, Unlimited
Spot Accident Waiting Period 14 days
Spot Illness Waiting Period 14 days
Spot Knee - Cruciate Damage/Tear Waiting Period 14 Days
Spot 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.
Spot General Coverage Exclusions See Policy
Spot Wellness Coverage Offered Yes by optional endorsement at an additional cost
Spot Examination Fees Covered Yes for accidents and illnesses
Spot Other Specified Exclusions Bilateral Knee exclusion if either knee or both had a problem prior to the first policy period


Trusted Pals Underwriter Zurich NA
Trusted Pals Deductible Range Options Available Unlimited, $750, $500, $250
Trusted Pals Annual or Per Incident Deductibles Annual
Trusted Pals Co-Insurance Range Options Available 100%, 90%, 80%, 70%
Trusted Pals Coverage - Accident & Illness Yes
Trusted Pals Coverage - Accident Only Yes
Trusted Pals Annual Limits Options Available Unlimited, $15,000, $8,000, $4,000
Trusted Pals Accident Waiting Period 14 days
Trusted Pals Illness Waiting Period 14 days
Trusted Pals Knee - Cruciate Damage/Tear Waiting Period 12 months
Trusted Pals Other Special Waiting Period(s) None
Trusted Pals General Coverage Exclusions Pre-existing Conditions, if not cured. If it was cured, it’s not defined as pre-existing.
Trusted Pals Wellness Coverage Offered Yes
Trusted Pals Examination Fees Covered Yes
Trusted Pals Other Specified Exclusions None


Pumpkin Underwriter United States Fire Insurance Company, a Crum & Forster Company
Pumpkin Deductible Range Options Available $100, $250, $500
Pumpkin Annual or Per Incident Deductibles Annual
Pumpkin Co-Insurance Range Options Available 90%
Pumpkin Coverage - Accident & Illness Yes
Pumpkin Coverage - Accident Only Accident & Illness
Pumpkin Annual Limits Options Available $7,000, $15,000 for cats and $15,000, $20,000 for dogs
Pumpkin Accident Waiting Period 14 days
Pumpkin Illness Waiting Period 14 days
Pumpkin Knee - Cruciate Damage/Tear Waiting Period 14 days
Pumpkin Other Special Waiting Period(s) None
Pumpkin 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).
Pumpkin Wellness Coverage Offered Pumpkin Preventive Essentials - optional add-on preventive care offering (covers an annual wellness exam, vaccines, and lab tests to detect parasites)
Pumpkin Examination Fees Covered Sick exam fee, yes
Pumpkin Other Specified Exclusions See sample policy for full list


Trupanion Underwriter Omega General Insurance Company
Trupanion Deductible Range Options Available $0-$1,000, in $5 increments
Trupanion Annual or Per Incident Deductibles Per Condition
Trupanion Co-Insurance Range Options Available 90% Always
Trupanion Coverage - Accident & Illness Accident and Illness
Trupanion Coverage - Accident Only N/A
Trupanion Annual Limits Options Available Unlimited
Trupanion Accident Waiting Period 5 days
Trupanion Illness Waiting Period 30 days
Trupanion Knee - Cruciate Damage/Tear Waiting Period 30 days
Trupanion Other Special Waiting Period(s) N/A
Trupanion General Coverage Exclusions Pre-existing conditions, exam fees, taxes
Trupanion Wellness Coverage Offered No
Trupanion Examination Fees Covered No
Trupanion Other Specified Exclusions See sample policy for full list of exclusions
Learn More about Trupanion


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.
Furkin Deductible Range Options Available As low as $100 annually
Furkin Annual or Per Incident Deductibles Annual
Furkin Co-Insurance Range Options Available 80%
Furkin Coverage - Accident & Illness Comprehensive Accident & Illness Coverage
Furkin Coverage - Accident Only N/A
Furkin Annual Limits Options Available $20,000
Furkin Accident Waiting Period 48 hours
Furkin Illness Waiting Period 14 days
Furkin Knee - Cruciate Damage/Tear Waiting Period 180 days
Furkin Other Special Waiting Period(s) N/A
Furkin General Coverage Exclusions Pre-existing conditions, but they can be considered for future coverage if they are considered curable (e.g., UTI, diarrhea).
Furkin Wellness Coverage Offered No
Furkin Examination Fees Covered Yes
Furkin Other Specified Exclusions See sample policy for coverage details.
Learn More about Furkin


PHI Direct Underwriter Omega General Insurance Company
PHI Direct Deductible Range Options Available $200
PHI Direct Annual or Per Incident Deductibles Annual
PHI Direct Co-Insurance Range Options Available 80%
PHI Direct Coverage - Accident & Illness Yes
PHI Direct Coverage - Accident Only No
PHI Direct Annual Limits Options Available $5,000 + $10,000
PHI Direct Accident Waiting Period 48 hours
PHI Direct Illness Waiting Period 14 days
PHI Direct Knee - Cruciate Damage/Tear Waiting Period 60 days
PHI Direct Other Special Waiting Period(s) N/A
PHI Direct 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.
PHI Direct Wellness Coverage Offered No
PHI Direct Examination Fees Covered Yes
PHI Direct Other Specified Exclusions
Learn More about PHI Direct

Swipe Left & Right
To Compare Providers


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


Underwriter
A+
Deductible Range Options Available
$100, $250
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
50%, 70%, 90%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
No
Annual Limits Options Available
$10,000, Unlimited
Accident Waiting Period
14 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
12 months
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
Optional
Examination Fees Covered
Yes
Other Specified Exclusions
Example: See sample policy for full list – if accurate please provide a sample policy.


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
All states except Maine, 3 days. Maine Only, 0 days
Illness Waiting Period
All states except Maine, 14 days. Maine Only, 14 days
Knee - Cruciate Damage/Tear Waiting Period
All states except Maine: 6 Months. Maine Only, 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


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


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

Group 1: California, New York, Massachusetts, Oregon, Texas, Washington, Illinois Group 2: All other states
Underwriter
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


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
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


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
Learn More about PetsPlusUs


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


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


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


Underwriter
Zurich NA
Deductible Range Options Available
Unlimited, $750, $500, $250
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
100%, 90%, 80%, 70%
Coverage - Accident & Illness
Yes
Coverage - Accident Only
Yes
Annual Limits Options Available
Unlimited, $15,000, $8,000, $4,000
Accident Waiting Period
14 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
12 months
Other Special Waiting Period(s)
None
General Coverage Exclusions
Pre-existing Conditions, if not cured. If it was cured, it’s not defined as pre-existing.
Wellness Coverage Offered
Yes
Examination Fees Covered
Yes
Other Specified Exclusions
None


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


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
Learn More about Trupanion


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.
Learn More about Furkin


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

Learn More about PHI Direct

Compare Companies

The Basics

What is pet insurance

The Arguments For and Against Pet Insurance

Reasons to consider pet insurance

Breed Impact

How breed impacts insurance coverage and costs

Compare Companies

Compare the different insurance providers

Select Providers

Please select up to three providers to compare

Exceeded Maximum Number of Providers

You must select at least one provider to receive a free quote.

No providers available for the selected breed.

COVERAGE OPTIONS