PET INSURANCE
comparison chart
What makes a pet insurance plan great? We asked the companies that question—then
asked the whole ield. Comparing pet insurance for you, your veterinary team or your
veterinary clients? Start right here.
Note: This information was provided directly by the companies themselves and has not been independently veriied.
ASPCA
What counts as
a pre-existing
condition? Do
some chronic
conditions become
pre-existing when
a new policy term
begins?
An illness, disease, injury
or change to a pet’s health
that irst occurs or shows
signs 1) before coverage
is effective or 2) during
a waiting period. This
includes conditions that
are related to, secondary
or resultant from a
pre-existing condition. A
condition will no longer be
considered pre-existing if
your pet’s condition has
been cured and free from
treatment and signs for a
period of 180 days. With
Complete Coverage, as
long as there is no lapse in
coverage, conditions will
not become pre-existing
when a new policy term
begins.
A condition that has
shown signs 1) before
the policy effective
date or 2) during a
waiting period. If
we cover the chronic
condition, we continue
to cover it when the
policy renews. We even
allow for some pre-
existing conditions that
are deemed curable
to become eligible for
coverage after the pet
has gone 12 months
from the last date of
treatment without
showing any recurring
signs.
An injury, illness or
irregularity noticed
before the end of the
waiting period, even if
the pet never went to
see the veterinarian for
it. Curable pre-existing
conditions could
be covered moving
forward if the pet is
free of signs for 12
months.
An injury or illness
that was present prior
to the purchase of
an insurance policy.
Chronic conditions
that are eligible for
coverage will remain
eligible providing the
policy is current and in
good standing.
A medical condition
that irst occurred
or showed clinical
signs 1) before the
effective date of this
policy or 2) during the
policy waiting period.
Certain conditions
may be covered in the
future if a pet goes a
determined amount of
time without further
clinical signs. Chronic
conditions are covered
for the life of the pet
as long as there in no
lapse in coverage.
An illness, condition or
injury for which signs
or evidence of their
potential manifestation
existed 1) within the
18 months prior to the
policy enrollment date
or 2) during applicable
waiting periods.
An illness or injury
that begins 1) before
a policy is effective or
2) during your waiting
period.
How is wellness,
non-illness or
non-injury care
covered?
Preventive Care
coverage is
available.
Not
typically
Yes, when requested
by the policyholder
and agreed to by the
veterinary practice.
Yes, when requested
by the policyholder
and agreed to by the
veterinary practice.
Not
typically
Yes, this is an option. Trupanion Express
desktop application
pays veterinarians
directly for clients’
eligible claims in
minutes at the time of
checkout.
No
Wellness Rewards
(which works like
a Health Savings
Account, with $250,
$450 or $650
allowance per year)
reimburses for
everyday veterinary,
training and grooming
costs.
Plans with wellness
(like Whole Pet Plan) or
plans with a wellness
rider are available.
Two tiers of routine
care coverage are
available.
Not
applicable
Not
applicable
Not
applicable
Are veterinarians
paid directly?
Embrace Figo Nationwide Petplan Pets Best Trupanion
PET INSURANCE comparison chart (cont.)
Note: This information was provided directly by the companies themselves and has not been independently veriied.
ASPCA
Dental cleanings are
covered if they’re
for treatment of
a covered illness,
such as periodontal
disease. Otherwise,
a dental cleaning is
only covered with
optional Preventive
Care coverage. While
treatment of dental
illnesses is covered
under Complete
Coverage, aesthetic,
cosmetic and
endodontic services
(including caps, crowns,
illings, root canals
and planing) are not
covered.
Non-routine dental
work can be eligible
for coverage if it is
an accident or illness,
such as a broken tooth
or extraction. Routine
dental cleanings or
prophylaxes are not
covered.
Dental work for
fractured teeth
is covered (a new
policy with more
comphrensive dental
up to $1,000 per
term is coming soon).
Prophylaxis is covered
in the Wellness
Rewards plan.
Varies depending on
the plan and wellness
rider. Whole Pet Plans
have broad coverage
for periodontal and
other oral diseases,
including coverage for
comprehensive oral
health assessment and
treatment (COHAT).
Dental procedures for
injuries and illnesses,
such as periodontal
disease, are covered;
for example, pre-
anesthetic testing,
anesthesia, scaling/
polishing, radiographs,
extractions, root
canals, gingival pocket
treatments, pain
management and any
applicable treatments
recommended by
the veterinarian. A
routine prophylaxis
isn’t covered unless
recommended
as treatment for
periodontal disease.
Treatment for all new
dental illnesses and
injuries is covered,
including extractions
of permanent and
baby teeth, root
canal treatment for
canine or carnassial
teeth, and endodontic
treatments performed
on other teeth. Routine
dental cleanings are
not covered, and
compliance with
the veterinarian’s
recommended dental
plan is necessary for
dental coverage.
BestBeneit plans
include coverage for
dental injuries. In
addition, periodontal
disease is covered as
long as—starting at
the age of 3—the pet
has had his or her teeth
cleaned in the prior 13
months. Prophylaxes
are covered under
higher-tie routine care
plan.
Embrace Figo Nationwide Petplan Pets Best Trupanion
NoYes, if speciically
prescribed to treat an
eligible condition
Yes, with optional
Wellness Rewards
program
No, except in cases
of therapeutic diets
during treatment of
bladder stones or urine
crystals
Yes, on the Whole
Pet Plan if prescribed
to treat an eligible
condition
No, only nutritional or
herbal supplements
for a coverable
accident or illness.
Yes, 50 percent of the
cost of therapeutic
food less the
deductible and 10
percent coinsurance,
when recommended
by the veterinarian for
treatment of covered
injuries or illnesses for
up to two months of
feeding
What dental
work is covered?
Are prophylaxes
covered? If so,
under what
circumstances?
Are therapeutic
diets covered?
No No No No, except for routine-
care coverage
No
Do plans use a
beneit schedule?
No, except for
Wellness coverage
Varies based on plan
Trupanion provides
hospitals with special
exam-day offers to
hand out to clients with
immediate coverage,
waiving waiting
periods instantly upon
activation.
Money-back
guarantee
30-day money-back
guarantee
Does the plan
offer a trial
period to pet
owners?
Money-back
guarantee within 30
days of policy effective
date
30-day free look of
insurance and Pet
Cloud service; if pet
owners don’t submit
claims and cancel
within 30 days, they
receive a full refund of
the premium.
30-day trial period in
states that allow it;
30-day money-back
guarantee where
applicable
Trial period, except in
New York.
Note: This information was provided directly by the companies themselves and has not been independently veriied.
PET INSURANCE comparison chart (cont.)
ASPCA Embrace Figo Nationwide Petplan Pets Best Trupanion
Yes
Annual deductibles
Pet owners can
submit records upon
enrollment. Veterinary
records may be
required for some
claims, which would be
requested directly from
the veterinarian.
By phone, M-F
8am-9pm EST, Sat
9am-5pm EST, Sun
11am-3pm EST
By phone, M-F 8:30am-
8pm EST, Sat 9am-1pm
EST; website chat M-F
8:30am-5pm EST
By phone, email,
website chat, text and
social media, M-F 8am-
7pm CST, Sat 9am-
6pm CST
By phone, M-F 8am-
10pm EST, Sat 10am-
6:30pm EST
By phone, website chat
and social media 24/7
By email, website
chat and phone, M-F
7am-7pm MST, Sat
10am-2pm MST; claims
processed 7 days/week
By phone and email
24/7
Embrace asks for
records at the start
of the policy, but they
aren’t required until a
pet’s irst illness claim
is submitted.
Records are requested
at time of irst claim.
Policyholders are
encouraged to upload
all medical records to
their pet’s Pet Cloud
portal.
Records may be
requested at time of
enrollment or at time
of claim.
Records are requested
at time of irst
claim. Company may
occasionally ask for
records for clariication
of an invoice or for a
new condition.
Medical records are
only requested with a
claim, and are typically
requested in less than
10 percent of claims.
Typically, when a
member iles a irst
claim, Trupanion
reaches out to the
treating veterinarian
and any other hospital
the pet visited to
collect medical records
from the past 18
months. To pay claims
as quickly as possible,
Trupanion often asks
for medical records
upon enrollment to
conirm pre-existing
conditions before a
irst claim is iled.
Annual deductibles Annual deductiblesAnnual deductibles Annual deductibles Annual deductibles
Lifetime per-condition
deductibles
Yes Yes YesYes NoWith optional coverage
Are exam fees
for accidents or
illnesses covered?
Are deductibles
annual or per-
condition?
When are records
required from
the veterinary
practice?
What are
customer service
hours and
formats?
