Free tool

Pet insurance comparison

Waiting periods, age restrictions, reimbursement and deductible options for the pet insurers in our database, showing only what has been verified.

What it needs from you: Nothing. Pick the companies you want in the table
What you get back: Waiting periods, age limits and reimbursement terms we have verified

Pet insurers recorded

With something verified

of 13 companies

Cells filled

40 of 78

The rest read Not verified

Why so many cells say Not verified

Research depth here is uneven, and the table shows that rather than hiding it. A cell reading Not verified is a statement about what we have checked, not about what the company offers, and we would rather leave it empty than fill it from a guess.

There is no ranking and no winner. Which of these mechanics matters most depends on your animal, and a waiting period that is irrelevant for a healthy puppy can be the whole question for an older dog.

Companies to show

The bar on each company is how many of the 6 policy mechanics below we have verified for it. Every company recorded as writing pet insurance has at least one of them verified, so they all start switched on.

Verified pet insurance policy attributes by company
Attribute	Pets Best6/6	Embrace Pet Insurance5/6	Fetch Pet Insurance4/6	Spot Pet Insurance4/6	Trupanion4/6	Lemonade3/6	GEICO2/6	Liberty Mutual Insurance2/6	MetLife2/6	Nationwide2/6	State Farm2/6	Travelers2/6	USAA2/6
What is covered	accidents illnesses surgeries cancer optional routine wellness coverage Source: Pets Bestverified 2026-10-01	Illnesses & Conditions Accidents & Injuries Dental Disease Source: Embrace Pet Insuranceverified 2026-09-30	Accidents Illnesses Tests Surgeries Medications Online vet visits Physical therapy Acupuncture & chiropractic care Dental & gum disease Cancer treatment Breed-specific issues Source: Fetch Pet Insuranceverified 2026-10-01	Accidents Illnesses Hereditary & Congenital Conditions Behavioral Issues Source: Spot Pet Insuranceverified 2026-10-01	New, unexpected illnesses and injuries Surgeries, diagnostic tests, and dental Behavioral and physical therapy Source: Trupanionverified 2026-10-01	personal property crime and vandalism coverage water damage coverage fire and smoke protection liability coverage medical expenses loss of use coverage Source: Lemonadeverified 2026-09-30	Liability Vehicle Medical Uninsured Motorist Additional Coverage Source: GEICOverified 2026-10-01	Comprehensive coverage Collision coverage Personal injury protection Property Damage coverage Bodily injury liability 24-Hour Roadside Assistance Source: Liberty Mutual Insuranceverified 2026-09-30	Term Life Insurance Group Variable Universal Life Group Universal Life Insurance Accidental Death Source: MetLifeverified 2026-09-29	Comprehensive Collision Gap coverage Uninsured motorist Bodily injury liability Roadside Assistance Source: Nationwideverified 2026-10-01	liability comprehensive collision uninsured underinsured Source: State Farmverified 2026-10-01	Liability coverage Collision coverage Comprehensive coverage Loan or lease gap coverage Extended transportation expenses coverage Source: Travelersverified 2026-10-01	collision comprehensive liability Source: USAAverified 2026-10-01
Waiting periods	vary by state and coverage type Source: Pets Bestverified 2026-10-01	14 days for illnesses Accident coverage begins on the policy effective date Orthopedic waiting period applies in some states and varies by state Source: Embrace Pet Insuranceverified 2026-09-30	no waiting period for accidents; illness coverage begins after a waiting period of up to 15 days Source: Fetch Pet Insuranceverified 2026-10-01	preventative care add-on coverage has no waiting period and can be used the next day Source: Spot Pet Insuranceverified 2026-10-01	five-day waiting period for injuries and a 30-day waiting period for illnesses Source: Trupanionverified 2026-10-01	2 days for accidents 14 days for illnesses 30 days for orthopedic conditions 6 months for cruciate ligament events Source: Lemonadeverified 2026-09-30	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified
Age restrictions	no upper age limit for enrollment Source: Pets Bestverified 2026-10-01	Not verified	no upper-age limits and no breed restrictions Source: Fetch Pet Insuranceverified 2026-10-01	no age limits; pets 8 weeks and older are eligible Source: Spot Pet Insuranceverified 2026-10-01	all cats and dogs under 14 years of age are eligible to enroll Source: Trupanionverified 2026-10-01	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified
Reimbursement options	Options ranging from 70% - 90% Source: Pets Bestverified 2026-10-01	Policyholder chooses a reimbursement level, up to 90% back on eligible vet bills Source: Embrace Pet Insuranceverified 2026-09-30	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified
Deductible options	Annual deductible options ranging from $100 - $1,000 Source: Pets Bestverified 2026-10-01	Annual deductible, chosen by the policyholder Source: Embrace Pet Insuranceverified 2026-09-30	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified	Not verified
Notable limitations	Accident & Illness plans do not cover preventive care or elective procedures, including annual wellness exams, vaccinations, flea and tick prevention, ear cropping, tail docking and feline declawing Source: Pets Bestverified 2026-10-01	Pre-existing conditions Breeding, whelping, or pregnancy DNA testing or cloning Deliberate injury by you or anyone in your household Injury or illness from fighting, racing, cruelty, or neglect Cosmetic procedures such as tail docking, ear cropping, and dew claw removal unless medically necessary Avian flu or nuclear war Routine veterinary care (like wellness checkup exam fees) Source: Embrace Pet Insuranceverified 2026-09-30	pre-existing conditions are not covered; these are injuries, illnesses or conditions the pet had before signing up or during the waiting period of up to 15 days Source: Fetch Pet Insuranceverified 2026-10-01	pre-existing conditions are not covered Source: Spot Pet Insuranceverified 2026-10-01	vet exam fees and taxes are not included in the policy wellness and routine care fall outside of coverage pre-existing conditions are not eligible for coverage preventable conditions, such as certain parasites and dental problems that arise from missed routine cleanings, are excluded Source: Trupanionverified 2026-10-01	Pet policies do not cover pre-existing conditions, dental care, elective surgeries not related to an accident/illness, or anything resulting from the policyholder's neglect Renters and homeowners policies do not cover dog bites if the dog has a history of biting or is categorized as high-risk Source: Lemonadeverified 2026-09-30	Coverages such as homeowners, renters, condominium, life and identity protection insurance are, for the most part, not sold by the GEICO insurance subsidiaries; they are written by third parties and offered through GEICO's insurance agency Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-10-01	Pet insurance does not cover pre-existing conditions; waiting periods, deductibles, benefit limits and exclusions may apply Source: Liberty Mutual Insuranceverified 2026-09-30	Pet plans typically do not cover pre-existing conditions Pet policies usually do not cover microchipping, grooming, obedience training, elective or cosmetic procedures, breeding, and non-prescription food Source: MetLifeverified 2026-10-01	All products not offered by all companies in all states Products and discounts are not offered by all companies Not all products and discounts are available to all persons in all states Products, coverages, terms, and discounts may vary by state Exclusions may apply Source: Nationwideverified 2026-10-01	Does not offer gap insurance Source: State Farmverified 2026-10-01	Safe Driver Discount is not available in CA or NY Availability of products may vary by state Certain products may only be available through a local independent agent Certain products in certain states may not be available on a standalone basis Discounts may not apply to all coverages and/or vehicles Source: Travelersverified 2026-10-01	The USAA SafePilot 15% enrollment discount is available in all U.S. locations except AZ, DC, HI, ND, NH, NY, SD, VT, WV and WY The USAA SafePilot program is not available in California, U.S. territories or internationally Source: USAAverified 2026-10-01

Methodology

How this tool works, and what it will not tell you

Every cell in this table is a stored fact read through the same gated accessor the rest of the site uses, printed with its source and the date it was last checked. A cell reads "Not verified" when we have not researched that attribute for that company. That is a statement about our research, not about the company, and we would rather leave it blank than fill it from a guess. There is no score, no ranking, no winner and no category label naming a winner for any particular animal. Which of these mechanics matters depends on your animal's age and history, and that is not something a table can decide for you. This tool produces no premium, no quote and no savings figure. Pricing depends on rate filings and underwriting data this site does not hold, so any number we printed there would be invented. We would rather show you the arithmetic we can stand behind.

Assumptions

The companies listed are those whose recorded products include pet insurance, and that product record is itself evidenced by a claim.
Where a company offers several plans, a stored value describes what the source stated and may not cover every plan the company sells.

Limitations

Research depth is uneven. Most companies in this table have several unverified cells, and a few have almost nothing verified yet.
No premium, no quote and no reimbursement estimate.
Pre-existing condition definitions and the exact wording of an exclusion are where pet policies differ most, and a short cell cannot carry that wording. Read the sample policy.
Nothing here is scored or ranked, so the table will not tell you which company to pick.

This tool cites no outside source, because it adds up the numbers you type and nothing else. Where a figure comes from somewhere, the figure carries the citation.

Tool last reviewed 2026-09-30