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All pet insurance companies listed below can cover:

  • congenital and hereditary conditions
  • X rays, MRI’s, and diagnostic testing
  • cancer
  • chronic disease, and
  • accidents/injuries

Where the pet insurance companies slightly differ from one another is when they are compared side by side along the following parameters:

*Nationwide has two plans covering accidents and illness: Whole Pet Plan and Major Medical. The Whole Pet Plan Policy was used for Policy Coverage comparisons.

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Highest Payout Offered Unlimited  15k Unlimited Unlimited Unlimited Unlimited 20k Unlimited Unlimited
Deductible Type Annual  Annual Annual Annual Annual Annual Per Incident Annual Per Condition
Highest Reimbursement Offered 90% 90% 100% 90% 90% 90% 90% 90% 90%
Vet Exam Offered Offered Offered Not Offered Offered Offered Offered Offered Not Offered
Waiting Period for Accidents No Wait  2 days 5 days 15 days 14 days 3 days 1 day 5 days 5 days
Waiting Period for Illnesses 14 days 14 days 14 days 15 days 14 days 14 days 14 days 15 days 30 days
Waiting Period for Knee Coverage 14 days 6 months 6 months 15 days 14 days 6 months 14 days 6 months 30 days
Waiting Period for Hips Dysplasia 14 days  6 months 14 days 12months 14 days 14 days 14 days 14 days 30 days
Wellness Offered Yes  Yes No No Yes Yes Yes No No
Upper Age Limits No  Yes No Yes No No No No Yes
Can cover the other knee if first knee is considered pre-existing Yes No Yes No Yes No Yes No No
Years In Business in U.S. 1997
21 years		 2003
15 years		 2015
3 years		 2009
9 years		 1982
36 years		 2005
13 years		 2004
14 years		 2006
12 years		 2005
13 years
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