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 illnesses: Whole Pet Plan and Major Medical Plan. The Whole Pet Plan was used for comparison analysis.

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