Dog insurance companies compared

The features that matter for a breed with known risks: hereditary coverage, waiting periods, limits and exam fees.

8 insurers side by side

All 8 cover hereditary and congenital conditions.

InsurerReimbursementDeductiblesAnnual limitWaiting (accident / illness)Exam feesRelative price
Lemonade70% / 80% / 90%$100 / $250 / $500 / $750$5,000 to $100,0002d / 14dAdd-on or not coveredLower
Embrace70% / 80% / 90%$200 to $1,000$2,000 to unlimited0d / 14dAdd-on or not coveredAverage
Spot70% / 80% / 90%$100 to $1,000$2,500 to unlimited14d / 14dIncludedAverage
Pets Best70% / 80% / 90%$100 to $1,000$5,000 to unlimited3d / 14dIncludedAverage
Fetch70% / 80% / 90%$250 to $2,500$5,000 to $15,0000d / 15dIncludedAverage
Odie70% / 80% / 90%$250 or $500$10,000 or $40,0003d / 14dAdd-on or not coveredLower
Trupanion90%$0 to $1,000 per conditionUnlimited5d / 30dAdd-on or not coveredHigher
Healthy Paws70% / 80% / 90%$100 to $1,000$5,000, $7,000 or unlimited15d / 15dAdd-on or not coveredHigher

Plan facts checked Sep 2026 against each insurer's public information. Plans change; the insurer's policy documents always control.

Reimbursement. The share of an eligible vet bill the insurer pays back after your deductible. At 80%, a $1,000 covered bill returns $800. More in the glossaryDeductible. What you pay yourself before the insurer starts paying. Most reset every policy year; some insurers charge it once per condition. More in the glossaryAnnual limit. The most the policy pays in one policy year. "Unlimited" means there is no yearly cap. More in the glossaryWaiting period. How long after the policy starts before accidents, and then illnesses, are covered. Anything that begins during the wait is excluded. More in the glossaryExam fees. The vet's charge for the visit itself, usually $50 to $150, separate from tests and treatment. Some insurers include it; others sell it as an add-on. More in the glossaryRelative price. How this insurer's modeled price compares with the other insurers we list, for the same dog and plan. An estimate, not a quote. More in the glossary

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