Dog insurance companies compared
The features that actually matter for a breed with known risks: hereditary coverage, waiting periods, limits and exam fees.
| Insurer | Reimbursement | Deductibles | Annual limit | Waiting | Hereditary | Exam fees | Relative price |
|---|---|---|---|---|---|---|---|
| Lemonade | 70% / 80% / 90% | $100 / $250 / $500 | $5,000 to $100,000 | 2d / 14d | Yes | Yes | Lower |
| Embrace | 70% / 80% / 90% | $100 to $1,000 | $5,000 to unlimited | 2d / 14d | Yes | Yes | Average |
| Spot | 70% / 80% / 90% | $100 to $1,000 | $2,500 to unlimited | 14d / 14d | Yes | Yes | Average |
| Pets Best | 70% / 80% / 90% | $50 to $1,000 | $5,000 to unlimited | 3d / 14d | Yes | Yes | Average |
| Fetch | 70% / 80% / 90% | $300 / $500 / $700 | $5,000 to $15,000 | 15d / 15d | Yes | Yes | Average |
| Odie | 70% / 80% / 90% | $50 to $1,000 | $5,000 to $40,000 | 3d / 14d | Yes | Add-on / no | Lower |
| Trupanion | 90% | $0 to $1,000 per condition | Unlimited | 5d / 30d | Yes | Add-on / no | Higher |
| Healthy Paws | 70% / 80% / 90% | $100 to $1,000 | Unlimited | 15d / 15d | Yes | Add-on / no | Higher |