{"accessed":"2026-09-05","fields":[{"key":"accident_waiting_period","label":"Accident waiting period","definition":"Days after policy start before an accident/injury claim is eligible."},{"key":"illness_waiting_period","label":"Illness waiting period","definition":"Days after policy start before an illness claim is eligible."},{"key":"orthopedic_waiting_period","label":"Orthopedic/cruciate waiting period","definition":"Waiting period specific to orthopedic conditions such as cruciate ligament events, hip/knee conditions."},{"key":"orthopedic_waiver_available","label":"Orthopedic waiver available","definition":"Whether the orthopedic waiting period can be waived via a vet exam/health assessment."},{"key":"bilateral_condition_clause","label":"Bilateral condition clause","definition":"Whether a condition on one side of the body (e.g. one knee) makes the same condition on the other side pre-existing/excluded."},{"key":"curable_preexisting_window","label":"Curable pre-existing symptom-free window","definition":"Whether/how long a pre-existing condition must be symptom- and treatment-free before it can be reclassified as coverable."},{"key":"max_enrollment_age","label":"Maximum enrollment age","definition":"Oldest age at which a pet can newly enroll, if any limit is stated."},{"key":"min_enrollment_age","label":"Minimum enrollment age","definition":"Youngest age at which a pet can enroll."},{"key":"exam_fees_covered","label":"Exam fees covered","definition":"Whether veterinary examination/office-visit fees are included in the base plan or require an add-on."},{"key":"annual_limit_options","label":"Annual limit options","definition":"Available annual payout limit tiers, if any."},{"key":"deductible_type","label":"Deductible type/amount","definition":"Deductible structure (annual vs. per-condition/lifetime) and dollar options."},{"key":"reimbursement_options","label":"Reimbursement percentage options","definition":"Available reimbursement/co-insurance percentage tiers."},{"key":"direct_vet_pay","label":"Direct vet pay","definition":"Whether the insurer can pay the veterinarian directly instead of reimbursing the owner."},{"key":"dental_illness_covered","label":"Dental illness covered","definition":"Whether non-routine dental illness/injury treatment is covered."},{"key":"prescription_food_covered","label":"Prescription food covered","definition":"Whether vet-prescribed therapeutic food is reimbursed."},{"key":"behavioral_therapy_covered","label":"Behavioral therapy covered","definition":"Whether behavioral condition diagnosis/treatment is covered."}],"insurers":[{"key":"lemonade","name":"Lemonade Pet","domain":"lemonade.com","cells":{"accident_waiting_period":{"value":"0 days","quote":"No, Lemonade does not have an accident waiting period. Accident coverage is available to use the day your policy goes into effect.","url":"https://www.lemonade.com/pet/explained/waiting-periods/","doc_title":"Pet Insurance Waiting Period Guide • Lemonade","status":"confirmed","verify":"exact","verify_score":1},"illness_waiting_period":{"value":"14 days","quote":"All Lemonade policies are subject to a couple of waiting periods: 14 days for illnesses, 30 days for orthopedic conditions.","url":"https://www.lemonade.com/pet/explained/waiting-periods/","doc_title":"Pet Insurance Waiting Period Guide • Lemonade","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"30 days","quote":"30 days for orthopedic conditions","url":"https://www.lemonade.com/pet/explained/waiting-periods/","doc_title":"Pet Insurance Waiting Period Guide • Lemonade","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiver_available":{"value":"not stated","quote":"","url":"","doc_title":"","status":"unverified","verify":"n/a","verify_score":0},"bilateral_condition_clause":{"value":"yes: bilateral exclusion","quote":"it will be considered a pre-existing condition if that ailment later occurs on the other side of their body","url":"https://www.lemonade.com/pet/explained/pet-health-conditions/","doc_title":"Pet Health Conditions - Lemonade","status":"confirmed","verify":"exact","verify_score":1},"curable_preexisting_window":{"value":"yes, 12 months symptom-free (excludes knee/ligament and chronic conditions)","quote":"Lemonade is able to cover temporary pre-existing conditions or injuries that resolve without recurrent symptoms or continued treatment for at least 12 months.","url":"https://www.lemonade.com/pet/explained/lemonade-pet-insurance-faq/","doc_title":"The Ultimate Lemonade Pet FAQ • Lemonade Insurance","status":"confirmed","verify":"exact","verify_score":1},"max_enrollment_age":{"value":"not stated","quote":"","url":"","doc_title":"","status":"unverified","verify":"n/a","verify_score":0},"min_enrollment_age":{"value":"8 weeks","quote":"At Lemonade you can buy a policy for your puppy or kitten from just eight weeks old.","url":"https://www.lemonade.com/pet/explained/orthopedic-conditions-in-dogs/","doc_title":"Orthopedic Conditions in Dogs - Lemonade","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"optional add-on (vet visit fee add-on)","quote":"With the vet visit add-on, we'll help pay for vet visit fees that are charged for eligible accidents and illnesses.","url":"https://www.lemonade.com/pet/explained/lemonade-pet-add-ons/","doc_title":"Lemonade's Pet Insurance Add-Ons, Explained • Lemonade","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"$5,000 to $100,000","quote":"With Lemonade Pet, you can choose an annual limit between $5,000 and $100,000.","url":"https://www.lemonade.com/pet/explained/pet-insurance-terms-explained/","doc_title":"Pet Insurance Terms, Explained • Lemonade","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual: $100 / $250 / $500 / $750","quote":"Lemonade uses an annual deductible system that resets annually when your policy renews. We offer deductible options of $100, $250, $500, or $750.","url":"https://www.lemonade.com/pet/explained/pet-insurance-deductible/","doc_title":"What's a Pet Insurance Deductible? | Lemonade","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"70% / 80% / 90%","quote":"Lemonade offers co-insurance of either 70%, 80%, or 90%","url":"https://www.lemonade.com/pet/explained/pet-insurance-terms-explained/","doc_title":"Pet Insurance Terms, Explained • Lemonade","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"no, reimbursement only","quote":"Lemonade Pet works on a reimbursement model. You pay treatment costs up front, before you file a claim.","url":"https://www.lemonade.com/pet/explained/lemonade-pet-insurance-faq/","doc_title":"The Ultimate Lemonade Pet FAQ • Lemonade Insurance","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"yes, via Dental Illness / Dental Care add-on (not base policy)","quote":"Treatments, procedures, diagnostics, and medications for dental illness","url":"https://www.lemonade.com/pet/explained/lemonade-pet-add-ons/","doc_title":"Lemonade's Pet Insurance Add-Ons, Explained • Lemonade","status":"confirmed","verify":"exact","verify_score":1},"prescription_food_covered":{"value":"no","quote":"alternative medicines like CBD, prescription food, therapy not performed by a vet or licensed behaviorist","url":"https://www.lemonade.com/pet/explained/lemonade-pet-add-ons/","doc_title":"Lemonade's Pet Insurance Add-Ons, Explained • Lemonade","status":"confirmed","verify":"exact","verify_score":1},"behavioral_therapy_covered":{"value":"optional add-on (behavioral conditions add-on)","quote":"Lemonade's behavioral conditions add-on can help cover the costs of diagnostics and vet-recommended treatments and therapies related to eligible behavioral conditions.","url":"https://www.lemonade.com/pet/explained/lemonade-pet-add-ons/","doc_title":"Lemonade's Pet Insurance Add-Ons, Explained • Lemonade","status":"confirmed","verify":"exact","verify_score":1}},"notes":"State variation: claim filing window is 180 days generally but 90 days in Texas (lemonade-pet-insurance-faq page). Dental Care add-on and comprehensive/Preventative+ dental options vary by state (lemonade-pet-add-ons page). End-of-life add-on waiting period \"varies by state.\" Preventative care package availability/benefits vary by state.","fetch_problems":"WebFetch 403 on lemonade.com; used browser fallback."},{"key":"healthy-paws","name":"Healthy Paws","domain":"healthypawspetinsurance.com","cells":{"accident_waiting_period":{"value":"not stated","quote":"","url":"","doc_title":"","status":"not_stated","verify":"n/a","verify_score":0},"illness_waiting_period":{"value":"15 days after policy effective date","quote":"There is a waiting period of 15 days after your policy effective date. Your policy is effective at 12:01 a.m. the day after you enroll your pet(s).","url":"http://web.archive.org/web/20260613092710/https://www.healthypawspetinsurance.com/frequent-questions.html","doc_title":"Frequently Asked Questions | Healthy Paws","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"Hip dysplasia: 12 months (pets enrolled at age 5 or below); 15 days for other orthopedic/illness/injury conditions not from accident in listed states, 30 days for hip dysplasia in those states","quote":"Hip Dysplasia: For pets enrolled at age five or below, there is a 12-month waiting period for hip dysplasia.","url":"http://web.archive.org/web/20260613092710/https://www.healthypawspetinsurance.com/frequent-questions.html","doc_title":"Frequently Asked Questions | Healthy Paws","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiver_available":{"value":"yes, waived upon completion of a complete clinical examination (stated for CA/DE/FL/HI/LA/MD/ME/MS/MT/NE/NH/OH/PA/RI/VT/WA)","quote":"However, this waiting period will be waived by us upon completion of a complete clinical examination.","url":"http://web.archive.org/web/20260613092710/https://www.healthypawspetinsurance.com/frequent-questions.html","doc_title":"Frequently Asked Questions | Healthy Paws","status":"confirmed","verify":"exact","verify_score":1},"bilateral_condition_clause":{"value":"yes: bilateral exclusion, but only for cruciate ligament conditions","quote":"The cruciate ligament is the only bilateral exclusion in the policy. (Bilateral: having or relating to two sides; affecting both sides.)","url":"http://web.archive.org/web/20260613092710/https://www.healthypawspetinsurance.com/frequent-questions.html","doc_title":"Frequently Asked Questions | Healthy Paws","status":"confirmed","verify":"exact","verify_score":1},"curable_preexisting_window":{"value":"yes, 365 days (12 months) continuously symptom-free and untreated","quote":"If a pet has fully recovered from a curable illness or injury, meaning they have been free of clinical signs and symptoms and have not received treatment for the condition for a continuous 365 days, the condition may no longer be considered pre-existing.","url":"http://web.archive.org/web/20260613092710/https://www.healthypawspetinsurance.com/frequent-questions.html","doc_title":"Frequently Asked Questions | Healthy Paws","status":"confirmed","verify":"exact","verify_score":1},"max_enrollment_age":{"value":"not stated","quote":"","url":"","doc_title":"","status":"not_stated","verify":"n/a","verify_score":0},"min_enrollment_age":{"value":"8 weeks","quote":"Starting at 8 weeks Kittens and young cats get sick too, commonly with UTIs or respiratory infections.","url":"http://web.archive.org/web/20260613084852/https://www.healthypawspetinsurance.com/cat-insurance.html","doc_title":"Pet Insurance for Cats | Healthy Paws","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"no","quote":"Examination fees are not covered under our insurance policy.","url":"http://web.archive.org/web/20260323175608/https://www.healthypawspetinsurance.com/pet-insurance-coverage-and-exclusions.html","doc_title":"Pet Insurance Coverage | Healthy Paws Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"unlimited (no per-incident, annual, or lifetime caps)","quote":"With a Healthy Paws pet insurance plan, you will have continuous coverage for the life of the policy, without the concern of any type of per-incident, annual or lifetime caps.","url":"http://web.archive.org/web/20260613092710/https://www.healthypawspetinsurance.com/frequent-questions.html","doc_title":"Frequently Asked Questions | Healthy Paws","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual (specific dollar options not stated in official pages found)","quote":"How does the annual deductible work? Your annual deductible is the amount you'll pay out-of-pocket each year before your plan begins to c...","url":"http://web.archive.org/web/20260613092710/https://www.healthypawspetinsurance.com/frequent-questions.html","doc_title":"Frequently Asked Questions | Healthy Paws","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"up to 90% (specific tier list e.g. 70/80/90% not stated in official pages found)","quote":"Healthy Paws cat insurance offers coverage choices for real life, including options with no payout limits and up to 90% reimbursement.*","url":"http://web.archive.org/web/20260613084852/https://www.healthypawspetinsurance.com/cat-insurance.html","doc_title":"Pet Insurance for Cats | Healthy Paws","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"no, reimbursement only by default; direct payment to vet available only by special advance request and vet cooperation, not at checkout","quote":"In situations where you cannot pay your vet at the time of treatment, you may contact us to request payment directly to your vet in the event of a covered claim. You must make your request for direct payment in advance of the treatment.","url":"http://web.archive.org/web/20260613092710/https://www.healthypawspetinsurance.com/frequent-questions.html","doc_title":"Frequently Asked Questions | Healthy Paws","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"yes with conditions (non-routine dental illness and injury covered; routine dental disease/preventive-care-related periodontal disease excluded)","quote":"That's why Healthy Paws covers a range of dental injuries and illness. ... Healthy Paws offers dental coverage with just a couple of exceptions. Routine care.","url":"http://web.archive.org/web/20260713182815/https://www.healthypawspetinsurance.com/pet-insurance-coverage-and-exclusions/dental-health.html","doc_title":"Pet Insurance for Dental | Healthy Paws","status":"confirmed","verify":"missing","verify_score":0.702},"prescription_food_covered":{"value":"not stated","quote":"","url":"","doc_title":"","status":"not_stated","verify":"n/a","verify_score":0},"behavioral_therapy_covered":{"value":"no","quote":"the plan does not reimburse the costs, fees or expenses associated for elective procedures, boarding, behavioral modification, training, therapy or medications for behavioral modification.","url":"http://web.archive.org/web/20260323175608/https://www.healthypawspetinsurance.com/pet-insurance-coverage-and-exclusions.html","doc_title":"Pet Insurance Coverage | Healthy Paws Pet Insurance","status":"confirmed","verify":"exact","verify_score":1}},"notes":"State-dependent variation significant; see full research notes.","fetch_problems":"Cloudflare 403 on live domain; used Wayback snapshots."},{"key":"odie","name":"Odie Pet Insurance","domain":"odiepetinsurance.com","cells":{"accident_waiting_period":{"value":"0 days: CA, DE, LA, MD, ME, MS, NE, NH, OH, PA, WA, and MT. 3 days: ND, OR, VT, and all remaining states.","quote":"MT 0 days 14 days 30 days 3 days (Trisura state waiting-period table, Injury UII column).","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"unverified","verify":"missing","verify_score":0.576},"illness_waiting_period":{"value":"14 days (all states, Trisura Unexpected Illness & Injury plan)","quote":"State UII Injury UII Illness UII CLE AOP CA, DE, LA, MD, ME, MS, NE, NH, OH, PA, WA 0 days 14 days 30 days 0 days","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"30 days (most states); 120 days in VT; 6 months in remaining states, for Cruciate Ligament Events (CLE)","quote":"MT 0 days 14 days 30 days 3 days ... VT 3 days 14 days 120 days 3 days Other states 3 days 14 days 6 months 3 days","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"confirmed","verify":"fuzzy","verify_score":0.927},"orthopedic_waiver_available":{"value":"not stated","quote":"","url":"","doc_title":"","status":"unverified","verify":"n/a","verify_score":0},"bilateral_condition_clause":{"value":"yes: if a bilateral condition (incl. cruciate ligament events, hip/elbow dysplasia, luxating patellas) occurred on either side pre-enrollment or during the waiting period, the condition on the other side is also deemed pre-existing","quote":"Bilateral Conditions, if your Pet had at any time any Pre-Existing Conditions consistent with that same Bilateral Condition on either side of the body.","url":"https://getodie.com/wp-content/uploads/2021/04/SAMPLE_Odie_Unexpected-Illness-and-Injuries-Policy.pdf","doc_title":"Odie Pet Insurance Marketing, Inc. - Sample Unexpected Illness and Injuries Policy","status":"confirmed","verify":"exact","verify_score":1},"curable_preexisting_window":{"value":"no - pre-existing conditions are excluded for the lifetime of the policy; no symptom-free reclassification window is stated","quote":"Pre-existing conditions are not covered under your Odie insurance policy and will not be covered for the lifetime of the policy","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"confirmed","verify":"exact","verify_score":1},"max_enrollment_age":{"value":"no upper age limit (current Trisura-underwritten plans)","quote":"Coverage is available for all cat and dog breeds starting at 7 weeks old, with no upper age limits.","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"confirmed","verify":"exact","verify_score":1},"min_enrollment_age":{"value":"7 weeks","quote":"Coverage is available for all cat and dog breeds starting at 7 weeks old, with no upper age limits.","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"optional add-on: Office Visits/Exam Fee coverage is a Supplemental Benefit available for additional premium, not automatically included","quote":"The following Supplemental Benefits are available for additional premium. ... 1. Office Visits/Exam Fee coverage: All examinations performed by a Veterinarian in the course of treating an otherwise eligible Condition.","url":"https://getodie.com/wp-content/uploads/2021/04/SAMPLE_Odie_Unexpected-Illness-and-Injuries-Policy.pdf","doc_title":"Odie Pet Insurance Marketing, Inc. - Sample Unexpected Illness and Injuries Policy","status":"confirmed","verify":"missing","verify_score":0.378},"annual_limit_options":{"value":"$10,000 to $40,000 (Illness & Injury plan); $10,000 fixed (Accident Only plan)","quote":"Reimbursement Amount: ( 70% – 90%) Annual Deductible: ($100 – $1,000) Annual Limit: ($10,000 – $40,000)","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual: $100–$1,000 (Illness & Injury plan); $250 fixed (Accident Only plan)","quote":"Reimbursement Amount: ( 70% – 90%) Annual Deductible: ($100 – $1,000) Annual Limit: ($10,000 – $40,000)","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"70% or 90% (Illness & Injury); 90% fixed (Accident Only)","quote":"Reimbursement Amount: ( 70% – 90%) Annual Deductible: ($100 – $1,000) Annual Limit: ($10,000 – $40,000)","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"conditional: reimbursement is the default model, but claims can be paid directly to the vet if Odie has an arrangement with that specific clinic","quote":"You may have your claims paid directly to the treating Veterinarian if an arrangement to do so exists between us and the treating Veterinarian. Please call us for details.","url":"https://getodie.com/wp-content/uploads/2021/04/SAMPLE_Odie_Unexpected-Illness-and-Injuries-Policy.pdf","doc_title":"Odie Pet Insurance Marketing, Inc. - Sample Unexpected Illness and Injuries Policy","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"yes with conditions: periodontal disease and traumatic dental fractures covered if eligibility requirements (age-based cleaning/exam history, no pre-existing signs) are met","quote":"Periodontal Disease: Endodontic treatment for canine and carnassial teeth, and extractions. Traumatic Dental Fractures & Oral Trauma: Endodontic treatment for canine and carnassial teeth, and extractions.","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"confirmed","verify":"exact","verify_score":1},"prescription_food_covered":{"value":"no under the Illness & Injury policy; reimbursed only under the separate optional Wellness Plan add-on (Purina products, up to $50/year)","quote":"Purina food and supplements Provides reimbursement for food and supplement products manufactured by Purina and listed on the Odie-Approved Petivity and Purina Formulary.","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"confirmed","verify":"exact","verify_score":1},"behavioral_therapy_covered":{"value":"yes, included under the Illness & Injury policy (not a separate add-on)","quote":"Treatment for Behavioral issues ... Behavioral Condition: Those maladies of a Pet's behavior that require treatment due to self-injury, property damage, or other negative outcomes.","url":"https://getodie.com/help-center/","doc_title":"Help Center - Comprehensive Pet Insurance and Wellness Plans | Get Odie","status":"confirmed","verify":"missing","verify_score":0.849}},"notes":"Active product line = Trisura-underwritten UII plans.","fetch_problems":"none material."},{"key":"trupanion","name":"Trupanion","domain":"trupanion.com","cells":{"accident_waiting_period":{"value":"5 days","quote":"Trupanion has a five-day waiting period for injuries and a 30-day waiting period for illnesses.","url":"https://www.trupanion.com/pet-insurance-faq/article/when-does-my-coverage-begin","doc_title":"When does my coverage start? | Trupanion Pet Medical Insurance","status":"confirmed","verify":"exact","verify_score":1},"illness_waiting_period":{"value":"30 days","quote":"Trupanion has a five-day waiting period for injuries and a 30-day waiting period for illnesses.","url":"https://www.trupanion.com/pet-insurance-faq/article/when-does-my-coverage-begin","doc_title":"When does my coverage start? | Trupanion Pet Medical Insurance","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"30 days (same as illness; no separate orthopedic waiting period)","quote":"Unlike many other pet insurance providers, we do not have different waiting periods for specific conditions or pet ages.","url":"https://www.trupanion.com/pet-insurance-faq/article/when-does-my-coverage-begin","doc_title":"When does my coverage start? | Trupanion Pet Medical Insurance","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiver_available":{"value":"not applicable - no separate orthopedic waiting period exists to waive","quote":"Unlike many other pet insurance providers, we do not have different waiting periods for specific conditions or pet ages.","url":"https://www.trupanion.com/pet-insurance-faq/article/when-does-my-coverage-begin","doc_title":"When does my coverage start? | Trupanion Pet Medical Insurance","status":"confirmed","verify":"exact","verify_score":1},"bilateral_condition_clause":{"value":"yes: for cruciate conditions, the opposite (or same) leg is treated as pre-existing if signs occurred within 18 months before the policy effective date","quote":"if your pet had cruciate problems on the same leg or the opposite leg 18 months prior to your policy effective date, they will be considered pre-existing and will not be able to be covered.","url":"https://www.trupanion.com/pet-insurance-faq/article/cruciate-surgeries","doc_title":"Do we cover cruciate surgeries for pets? | Trupanion","status":"confirmed","verify":"exact","verify_score":1},"curable_preexisting_window":{"value":"no defined general symptom-free window; eligibility is determined case-by-case via a 'medical disconnect' review (18-month lookback specifically for cruciate conditions)","quote":"the Trupanion claims specialists could find a medical disconnect between it and the old injury. Therefore, it is not considered a pre-existing condition.","url":"https://www.trupanion.com/pet-insurance-faq/article/pre-existing-conditions","doc_title":"Does Trupanion cover pre-existing conditions? | Trupanion FAQs","status":"confirmed","verify":"exact","verify_score":1},"max_enrollment_age":{"value":"14 years","quote":"All cats and dogs under 14 years of age are eligible to enroll for lifelong coverage.","url":"https://www.trupanion.com/pet-insurance-faq/article/is-your-pet-eligible","doc_title":"Is my pet eligible for pet insurance? | Trupanion","status":"confirmed","verify":"exact","verify_score":1},"min_enrollment_age":{"value":"not stated","quote":"","url":"","doc_title":"","status":"not_stated","verify":"n/a","verify_score":0},"exam_fees_covered":{"value":"no","quote":"This is why we at Trupanion have made a deliberate choice not to cover wellness and preventive care or exam fees.","url":"https://www.trupanion.com/pet-insurance-faq/article/what-a-trupanion-policy-covers","doc_title":"What does a Trupanion pet insurance policy cover? | Trupanion FAQ","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"no annual limit (unlimited payouts for the life of the pet)","quote":"No payout limits. No annual limits. No lifetime limits.","url":"https://www.trupanion.com/pet-insurance","doc_title":"Pet Insurance Coverage, Redefined | Trupanion","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"not stated","quote":"","url":"","doc_title":"","status":"not_stated","verify":"n/a","verify_score":0},"reimbursement_options":{"value":"member selects a payout percentage at signup (changeable up or down in first 30 days, only decreasable after); exact percentage tiers not specified on the fetched official pages","quote":"When you sign up for coverage with Trupanion, you can pick the payout percentage that works best for you. Since you know your budget and your pet better than anyone, we put the power in your hands.","url":"https://www.trupanion.com/pet-insurance-faq/article/unlimited-payouts-plan","doc_title":"How our payouts work | Trupanion","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"yes, at participating (VetDirect Pay-enabled) hospitals","quote":"Rather than waiting to get reimbursed, we can pay your veterinarian right at checkout in seconds.","url":"https://www.trupanion.com/pet-insurance/veterinarians","doc_title":"How we Work with Veterinarians | Trupanion Vet Direct Pay","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"yes, with conditions (annual dental exam and recommended dental care compliance required)","quote":"Your Trupanion coverage includes treatment for all new dental illnesses and injuries if your pet has an annual dental exam and you follow your veterinarian's recommended dental care.","url":"https://www.trupanion.com/pet-insurance-faq/article/dental","doc_title":"Dental insurance for pets | Trupanion Coverage","status":"confirmed","verify":"exact","verify_score":1},"prescription_food_covered":{"value":"yes, for eligible conditions: 50% of cost for up to 60 days, no added premium","quote":"Cover 50% of the cost for up to 60 days of prescription food\nInclude this coverage at no additional premium cost to you","url":"https://www.trupanion.com/pet-insurance-faq/article/prescription-pet-foods","doc_title":"Does Trupanion cover prescription pet food? | Trupanion FAQs","status":"confirmed","verify":"exact","verify_score":1},"behavioral_therapy_covered":{"value":"optional add-on: Recovery & Complementary Care rider, 90% reimbursement","quote":"This package gives your pet 90% coverage for: Acupuncture ... Behavioral modification ... Behavioral modification is a systematic approach to changing behavior, which includes a pet's reaction to a situation, person, object, animal, etc.","url":"https://www.trupanion.com/pet-insurance-faq/article/recovery-complementary-care","doc_title":"Pet insurance recovery & complementary care | Trupanion","status":"unverified","verify":"missing","verify_score":0.581}},"notes":"Discrepancy across official Trupanion pages on deductible.","fetch_problems":"403 direct; browser used."},{"key":"embrace","name":"Embrace Pet Insurance","domain":"embracepetinsurance.com","cells":{"accident_waiting_period":{"value":"not stated","quote":"","url":"","doc_title":"","status":"not_stated","verify":"n/a","verify_score":0},"illness_waiting_period":{"value":"14 days","quote":"Illness: 14 days from policy effective date","url":"https://www.embracepetinsurance.com/help/article/what-waiting-periods-does-embrace-have","doc_title":"What Waiting Periods Does Embrace Have? | Embrace Pet Insurance Help Center","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"Orthopedic waiting periods vary by state (see Embrace's state-specific waiting periods page); the official help article does not state a universal '6 months' duration. It separately notes a 180-day symptom exclusion for IVDD, cruciate ligament injury, patellar luxation, and hip dysplasia in dogs.","quote":"Orthopedic waiting periods vary by state. Look for your state's specified waiting period.","url":"https://www.embracepetinsurance.com/help/article/what-is-the-waiting-period-for-orthopedic-conditions","doc_title":"What Is the Waiting Period for Orthopedic Conditions? | Embrace Pet Insurance Help Center","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiver_available":{"value":"yes, via Orthopedic Exam and Waiver Process, reducible to as few as 14 days","quote":"Some states allow you have the option to reduce the waiting period for certain orthopedic conditions to as few as 14 days by following the Orthopedic Exam and Waiver Process.","url":"https://www.embracepetinsurance.com/help/article/what-is-the-waiting-period-for-orthopedic-conditions","doc_title":"What Is the Waiting Period for Orthopedic Conditions? | Embrace Pet Insurance Help Center","status":"confirmed","verify":"exact","verify_score":1},"bilateral_condition_clause":{"value":"yes: bilateral exclusion if first side occurred before/during initial waiting window","quote":"If your pet has previously faced such a condition on one side, recurrence on the opposite side is more likely and won't be covered.","url":"https://www.embracepetinsurance.com/coverage/pre-ex-conditions","doc_title":"Pet Insurance For Pre-Existing Conditions | Embrace Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"curable_preexisting_window":{"value":"yes, 12 consecutive months symptom-free and treatment-free","quote":"If your pet stays symptom-free and treatment-free for 12 consecutive months, we may remove that exclusion from your policy entirely.","url":"https://www.embracepetinsurance.com/coverage/pre-ex-conditions","doc_title":"Pet Insurance For Pre-Existing Conditions | Embrace Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"max_enrollment_age":{"value":"14 years for accident & illness coverage; 15+ accident-only coverage available, no upper age limit for continuing coverage","quote":"Dogs 15+ can enroll in accident-only coverage.","url":"https://www.embracepetinsurance.com/dog-insurance","doc_title":"Dog and Puppy Insurance Plans & Coverage | Embrace","status":"confirmed","verify":"exact","verify_score":1},"min_enrollment_age":{"value":"6 weeks","quote":"Puppies from 6 weeks","url":"https://www.embracepetinsurance.com/dog-insurance","doc_title":"Dog and Puppy Insurance Plans & Coverage | Embrace","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"optional add-on, not included on all policies","quote":"Exam fees are not covered on all policies, it is an optional add-on to your policy","url":"https://www.embracepetinsurance.com/coverage/faq","doc_title":"Embrace Pet Insurance Coverage | Frequently Asked Questions","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"customer-selected annual maximum (no fixed tiered list stated on this page)","quote":"Your annual limit is the most Embrace will reimburse, after you meet your deductible, in a policy year.","url":"https://www.embracepetinsurance.com/coverage/faq","doc_title":"Embrace Pet Insurance Coverage | Frequently Asked Questions","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual (paid once per policy year, not per-condition or per-incident); accident-only plan has a $100 annual deductible","quote":"The annual deductible is the amount you are responsible for before reimbursements start.","url":"https://www.embracepetinsurance.com/coverage/faq","doc_title":"Embrace Pet Insurance Coverage | Frequently Asked Questions","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"customer-selected, typically 70-90%","quote":"if you have an 80% reimbursement percentage, that's like having a 20% copay.","url":"https://www.embracepetinsurance.com/coverage/faq","doc_title":"Embrace Pet Insurance Coverage | Frequently Asked Questions","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"no, reimbursement only","quote":"Embrace Pet Insurance does not work within networks and instead works via direct reimbursement to you.","url":"https://www.embracepetinsurance.com/help/article/what-is-the-reimbursement-process-for-embrace-claims","doc_title":"What Is the Reimbursement Process for Embrace Claims? | Embrace Pet Insurance Help Center","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"Yes - dental illness (periodontal disease, abscessed teeth, malocclusions, gingivitis, etc.) is covered under the base accident & illness plan, up to $1,000 per policy term; only preventative dental cleanings require the optional wellness plan","quote":"Every Embrace accident and illness policy covers the following dental issues (and more) for up to $1000 for each policy term.","url":"https://www.embracepetinsurance.com/coverage/dental-coverage","doc_title":"Embrace Pet Insurance Coverage | Dental Coverage","status":"confirmed","verify":"exact","verify_score":1},"prescription_food_covered":{"value":"covered under optional Wellness Care Plan add-on, not the base plan","quote":"Prescription diet food purchased at your veterinarian","url":"https://www.embracepetinsurance.com/coverage/faq","doc_title":"Embrace Pet Insurance Coverage | Frequently Asked Questions","status":"confirmed","verify":"exact","verify_score":1},"behavioral_therapy_covered":{"value":"yes, when administered by a licensed veterinarian for a covered condition","quote":"Yes, behavioral therapy and training is covered when administered by a licensed veterinarian for a covered condition.","url":"https://www.embracepetinsurance.com/coverage/faq","doc_title":"Embrace Pet Insurance Coverage | Frequently Asked Questions","status":"confirmed","verify":"exact","verify_score":1}},"notes":"Verbatim confidence caveat noted by researcher; recommend re-check.","fetch_problems":"waterbowl URL 404; PDF not located."},{"key":"pets-best","name":"Pets Best","domain":"petsbest.com","cells":{"accident_waiting_period":{"value":"3 days","quote":"3 days following the Policy Effective Date for any Injuries and any related Conditions.","url":"https://www.petsbest.com/download.ashx?file=Policies%2FPOL_APIC_1_PETS_PolicyBookletAnnualIllness_Sample_v1.pdf","doc_title":"Pets Best Pet Health Insurance Policy - Accident & Illness (Sample), APIC-PBI0001-ILL (12/2015)","status":"confirmed","verify":"exact","verify_score":1},"illness_waiting_period":{"value":"14 days","quote":"14 days following the Policy Effective Date for any Illnesses and any related Conditions.","url":"https://www.petsbest.com/download.ashx?file=Policies%2FPOL_APIC_1_PETS_PolicyBookletAnnualIllness_Sample_v1.pdf","doc_title":"Pets Best Pet Health Insurance Policy - Accident & Illness (Sample), APIC-PBI0001-ILL (12/2015)","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"6 months (for Cruciate Ligament Events, per this sample national policy form)","quote":"6 months following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.","url":"https://www.petsbest.com/download.ashx?file=Policies%2FPOL_APIC_1_PETS_PolicyBookletAnnualIllness_Sample_v1.pdf","doc_title":"Pets Best Pet Health Insurance Policy - Accident & Illness (Sample), APIC-PBI0001-ILL (12/2015)","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiver_available":{"value":"yes, via a vet Health Assessment Exam within a set window, submitted within 30 days","quote":"Arrange for a Health Assessment Exam up to 3 days before or within 7 days after your initial policy effective date... Submit this completed 3-page form to us at wpwaiver@petsbest.com within 30 calendar days of the Health Assessment Exam.","url":"https://www.petsbest.com/download.ashx?file=misc%2FPets_Best_Waived_Waiting_Periods_Form.pdf","doc_title":"Waiting Period Health Assessment Form (03/2025)","status":"confirmed","verify":"missing","verify_score":0.622},"bilateral_condition_clause":{"value":"yes: bilateral exclusion applies (includes cruciate ligament events, hip dysplasia, elbow dysplasia, luxating patella, and others)","quote":"Bilateral Conditions, if your Pet had at any time any Pre-Existing Conditions consistent with that same Bilateral Condition on either side of the body.","url":"https://www.petsbest.com/download.ashx?file=Policies%2FPOL_APIC_1_PETS_PolicyBookletAnnualIllness_Sample_v1.pdf","doc_title":"Pets Best Pet Health Insurance Policy - Accident & Illness (Sample), APIC-PBI0001-ILL (12/2015)","status":"confirmed","verify":"fuzzy","verify_score":0.933},"curable_preexisting_window":{"value":"yes, once healed/cured - but the official page does not state a specific symptom-free day count","quote":"Once healed or cured, these conditions are no longer considered pre-existing by Pets Best and can be covered by your plan should they reoccur.","url":"https://www.petsbest.com/coverage/pre-existing-coverage","doc_title":"Pet Insurance for Pets with Pre-Existing Conditions | Pets Best","status":"confirmed","verify":"exact","verify_score":1},"max_enrollment_age":{"value":"no upper age limit","quote":"Pets Best has no upper age limits, so you can insure your dog or cat at any age over 7 weeks.","url":"https://www.petsbest.com/faq","doc_title":"Frequently Asked Questions | Pets Best Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"min_enrollment_age":{"value":"7 weeks","quote":"You may enroll your dog or cat as early as 7 weeks of age","url":"https://www.petsbest.com/faq","doc_title":"Frequently Asked Questions | Pets Best Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"optional add-on (Supplemental Benefit); included on most plans but removable","quote":"Most plans include coverage for exam fees when your pet is seen by a licensed veterinarian for covered accidents and illnesses. Optional coverage for exam fees can be removed to reduce your monthly premium.","url":"https://www.petsbest.com/plans","doc_title":"Pet Insurance Plans | Pets Best","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"$2,500 / $5,000 / $10,000 / no annual limit","quote":"Annual Policy Limit Option 1 $2,500 Option 2 $5K Option 3 $10K Option 4 No Annual Limit","url":"https://www.petsbest.com/download.ashx?file=Policies%2FPOL_APIC_1_PETS_PolicyBookletAnnualIllness_Sample_v1.pdf","doc_title":"Pets Best Pet Health Insurance Policy - Accident & Illness (Sample), APIC-PBI0001-ILL (12/2015)","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual: $50–$1,000","quote":"Annual Deductible per Pet: [$50 - $1,000 as shown on the policy declarations page]","url":"https://www.petsbest.com/download.ashx?file=Policies%2FPOL_APIC_1_PETS_PolicyBookletAnnualIllness_Sample_v1.pdf","doc_title":"Pets Best Pet Health Insurance Policy - Accident & Illness (Sample), APIC-PBI0001-ILL (12/2015)","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"70/80/90%","quote":"Co-Insurance (Us / You): [70%/30%, 80%/20%, or 90%/10% as shown on the policy declarations page]","url":"https://www.petsbest.com/download.ashx?file=Policies%2FPOL_APIC_1_PETS_PolicyBookletAnnualIllness_Sample_v1.pdf","doc_title":"Pets Best Pet Health Insurance Policy - Accident & Illness (Sample), APIC-PBI0001-ILL (12/2015)","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"no, reimbursement-only (Vet Direct Pay routes the post-claim reimbursement to the vet, it is not point-of-service payment)","quote":"Once your claim has been processed, any eligible reimbursement you would have received will be sent to your vet at that time.","url":"https://www.petsbest.com/vet-direct-pay","doc_title":"Vet Direct Pay | Pets Best","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"yes with conditions (periodontal disease covered subject to age-based cleaning/exam requirements)","quote":"For your Pet to be eligible for Periodontal Disease coverage, your Pet must be free of any signs of Periodontal Disease prior to the Policy Effective Date or during any Waiting Period.","url":"https://www.petsbest.com/download.ashx?file=Policies%2FPOL_APIC_1_PETS_PolicyBookletAnnualIllness_Sample_v1.pdf","doc_title":"Pets Best Pet Health Insurance Policy - Accident & Illness (Sample), APIC-PBI0001-ILL (12/2015)","status":"confirmed","verify":"exact","verify_score":1},"prescription_food_covered":{"value":"no (pet foods are a listed exclusion; no prescription/therapeutic-diet carve-out found in official sources)","quote":"Bedding, housing, crates, cages, ramps, bowls, feeding, exercise, pet foods, supplements, grooming, nail trims, toys, clothes, leashes, collars, biohazardous waste fees, and treats;","url":"https://www.petsbest.com/download.ashx?file=Policies%2FPOL_APIC_1_PETS_PolicyBookletAnnualIllness_Sample_v1.pdf","doc_title":"Pets Best Pet Health Insurance Policy - Accident & Illness (Sample), APIC-PBI0001-ILL (12/2015)","status":"confirmed","verify":"exact","verify_score":1},"behavioral_therapy_covered":{"value":"no for training/treatment; optional add-on covers consultations and prescription medications only","quote":"Training and treatment of Behavioral Conditions, with the exception of consultations and prescription medications (if the appropriate Supplemental Benefits are purchased);","url":"https://www.petsbest.com/download.ashx?file=Policies%2FPOL_APIC_1_PETS_PolicyBookletAnnualIllness_Sample_v1.pdf","doc_title":"Pets Best Pet Health Insurance Policy - Accident & Illness (Sample), APIC-PBI0001-ILL (12/2015)","status":"confirmed","verify":"exact","verify_score":1}},"notes":"Figures come from generic/national sample policy form + current FAQ/plans/coverage pages.","fetch_problems":"none material; PDF read via local extraction."},{"key":"figo","name":"Figo Pet Insurance","domain":"figopetinsurance.com","cells":{"accident_waiting_period":{"value":"1 day (national standard); 5 days in California","quote":"the time period is one (1) day for Injuries and fourteen (14) days for Illnesses, except for Orthopedic Conditions for dogs","url":"https://assets.ctfassets.net/wcjeikrx8553/2D7uiYmiwcmvk6PlNsHptw/dda1584912b94bd24f0d8467abc69d46/Figo_Sample_Policy_-_Dog_-_08012023.pdf","doc_title":"Figo Sample Policy - Dog (08/01/2023)","status":"confirmed","verify":"exact","verify_score":1},"illness_waiting_period":{"value":"14 days (national); 14 days confirmed in California disclosure too","quote":"There is a fourteen (14) day waiting period beginning on the effective date of this policy during which we will not cover any illness of your pet","url":"https://figopetinsurance.com/california-insurer-disclosure-of-important-policy-provisions","doc_title":"California Insurer Disclosure of Important Policy Provisions | Figo Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"6 months for dogs (from Original Start Date)","quote":"the Orthopedic Waiting Period is six (6) months","url":"https://assets.ctfassets.net/wcjeikrx8553/2D7uiYmiwcmvk6PlNsHptw/dda1584912b94bd24f0d8467abc69d46/Figo_Sample_Policy_-_Dog_-_08012023.pdf","doc_title":"Figo Sample Policy - Dog (08/01/2023)","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiver_available":{"value":"yes, via Orthopedic Waiver Form completed by a vet and submitted within 30 days of the policy effective date","quote":"This Waiting Period can be waived by submitting a completed Orthopedic Waiver Form completed by a Veterinary Provider ... within thirty (30) days of the Policy effective date","url":"https://assets.ctfassets.net/wcjeikrx8553/2D7uiYmiwcmvk6PlNsHptw/dda1584912b94bd24f0d8467abc69d46/Figo_Sample_Policy_-_Dog_-_08012023.pdf","doc_title":"Figo Sample Policy - Dog (08/01/2023)","status":"confirmed","verify":"missing","verify_score":0.786},"bilateral_condition_clause":{"value":"not stated","quote":"","url":"","doc_title":"","status":"not_stated","verify":"n/a","verify_score":0},"curable_preexisting_window":{"value":"yes, 12 months symptom/treatment-free; does not apply to ligament and knee conditions","quote":"If Your Pet's Preexisting Condition is curable and has been Cured and free from Treatment and symptoms for a period of twelve (12) months ... This does not apply to ligament and knee conditions","url":"https://assets.ctfassets.net/wcjeikrx8553/2D7uiYmiwcmvk6PlNsHptw/dda1584912b94bd24f0d8467abc69d46/Figo_Sample_Policy_-_Dog_-_08012023.pdf","doc_title":"Figo Sample Policy - Dog (08/01/2023)","status":"confirmed","verify":"missing","verify_score":0.802},"max_enrollment_age":{"value":"no upper age limit","quote":"Pet insurance plans through Figo have no upper age limit.","url":"https://figopetinsurance.com/dog-insurance","doc_title":"Dog Insurance | Figo Pet Insurance For Dogs And Puppies","status":"confirmed","verify":"exact","verify_score":1},"min_enrollment_age":{"value":"8 weeks","quote":"As early as 8 weeks, you can cover your precocious pup with a puppy insurance plan through Figo.","url":"https://figopetinsurance.com/dog-insurance","doc_title":"Dog Insurance | Figo Pet Insurance For Dogs And Puppies","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"optional add-on (Office Visit and Exam Fees Rider)","quote":"Physical examination, including costs and/or fees for telephone consultation, unless You purchase Optional Office Visit and Exam Fees Coverage","url":"https://assets.ctfassets.net/wcjeikrx8553/2D7uiYmiwcmvk6PlNsHptw/dda1584912b94bd24f0d8467abc69d46/Figo_Sample_Policy_-_Dog_-_08012023.pdf","doc_title":"Figo Sample Policy - Dog (08/01/2023)","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"$5,000 / $10,000 / Unlimited","quote":"You can choose $5,000, $10,000, or Unlimited","url":"https://figopetinsurance.com/locations-Illinois","doc_title":"Pet Insurance in Illinois | Figo Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual deductible: $100-$750","quote":"Figo's deductible options range between $100 and $750","url":"https://figopetinsurance.com/locations-Illinois","doc_title":"Pet Insurance in Illinois | Figo Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"70% / 80% / 90% / 100%","quote":"Figo offers reimbursement percentages from 70% to 100% of your approved veterinarian bills","url":"https://figopetinsurance.com/locations-florida","doc_title":"Pet Insurance in Florida | FIGO Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"no, reimbursement only","quote":"Get reimbursed for covered claims directly into your bank account","url":"https://figopetinsurance.com/dog-insurance","doc_title":"Dog Insurance | Figo Pet Insurance For Dogs And Puppies","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"yes, with conditions (must follow vet's dental-care advice; pre-existing dental disease and routine cleaning/prophylaxis excluded)","quote":"Treatment required due to Dental Illness and Injury ... To receive Dental Illness Coverage, You must follow Your Veterinarian's advice regarding dental care","url":"https://assets.ctfassets.net/wcjeikrx8553/2D7uiYmiwcmvk6PlNsHptw/dda1584912b94bd24f0d8467abc69d46/Figo_Sample_Policy_-_Dog_-_08012023.pdf","doc_title":"Figo Sample Policy - Dog (08/01/2023)","status":"confirmed","verify":"missing","verify_score":0.742},"prescription_food_covered":{"value":"optional add-on only, included with Office Visit and Exam Fees Rider, up to $250 per policy term","quote":"Included with Office Visit and Exam Fees Coverage, is the inclusion of food prescribed by a Veterinarian as the sole Treatment for an Illness, up to $250 per Policy term","url":"https://assets.ctfassets.net/wcjeikrx8553/2D7uiYmiwcmvk6PlNsHptw/dda1584912b94bd24f0d8467abc69d46/Figo_Sample_Policy_-_Dog_-_08012023.pdf","doc_title":"Figo Sample Policy - Dog (08/01/2023)","status":"confirmed","verify":"exact","verify_score":1},"behavioral_therapy_covered":{"value":"optional add-on, up to $500 annually for diagnosis/treatment consultations","quote":"The most We will pay for consultations by a Veterinarian to diagnose and treat Behavioral Problems is $500 annually","url":"https://assets.ctfassets.net/wcjeikrx8553/2D7uiYmiwcmvk6PlNsHptw/dda1584912b94bd24f0d8467abc69d46/Figo_Sample_Policy_-_Dog_-_08012023.pdf","doc_title":"Figo Sample Policy - Dog (08/01/2023)","status":"confirmed","verify":"exact","verify_score":1}},"notes":"State variation confirmed (CA injury wait 5 days vs national 1 day).","fetch_problems":"support subdomain DNS fail; PDF extracted locally."},{"key":"fetch","name":"Fetch Pet Insurance","domain":"fetchpet.com","cells":{"accident_waiting_period":{"value":"0 days","quote":"Accidents or injuries resulting from an unexpected event do not have a waiting period.","url":"https://cdn.prod.website-files.com/664b8c1e077f005566b9425c/68add0656ed7a71438bc8baa_GPTM%20050%20(v2)%200125%20A%20-%20Sample%207.24.25.pdf","doc_title":"Pet Health Insurance Policy Terms and Conditions, GPTM 050 0125 A (Sample Policy)","status":"confirmed","verify":"exact","verify_score":1},"illness_waiting_period":{"value":"15 days","quote":"There is a fifteen (15) day period beginning on the original inception date of this policy during which we will not cover any injury resulting from normal activity, illness, behavioral disorder or any other coverage provided by this policy, except for, or resulting from, an accident.","url":"https://cdn.prod.website-files.com/664b8c1e077f005566b9425c/68add0656ed7a71438bc8baa_GPTM%20050%20(v2)%200125%20A%20-%20Sample%207.24.25.pdf","doc_title":"Pet Health Insurance Policy Terms and Conditions, GPTM 050 0125 A (Sample Policy)","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"180 days","quote":"Orthopedic conditions that occur during the first one hundred eighty (180) days after the original inception date are excluded and are pre-existing conditions for the life of the policy.","url":"https://cdn.prod.website-files.com/664b8c1e077f005566b9425c/68add0656ed7a71438bc8baa_GPTM%20050%20(v2)%200125%20A%20-%20Sample%207.24.25.pdf","doc_title":"Pet Health Insurance Policy Terms and Conditions, GPTM 050 0125 A (Sample Policy)","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiver_available":{"value":"yes, for knee conditions only, via vet exam within 180 days confirming no pre-existing knee condition","quote":"coverage will be afforded for orthopedic conditions of the knees if your pet is examined by a veterinarian between the original inception date and one hundred eighty (180) days of the policy and the medical record specifically notes your pet does not have any pre-existing conditions relating to the knees","url":"https://cdn.prod.website-files.com/664b8c1e077f005566b9425c/68add0656ed7a71438bc8baa_GPTM%20050%20(v2)%200125%20A%20-%20Sample%207.24.25.pdf","doc_title":"Pet Health Insurance Policy Terms and Conditions, GPTM 050 0125 A (Sample Policy)","status":"confirmed","verify":"fuzzy","verify_score":0.881},"bilateral_condition_clause":{"value":"yes: bilateral orthopedic exclusion","quote":"if a dog has been diagnosed with a cruciate tear in his left leg before the end of the Waiting Period, a subsequent cruciate tear in his right leg shall be considered pre-existing and not covered by this policy","url":"https://cdn.prod.website-files.com/664b8c1e077f005566b9425c/68add0656ed7a71438bc8baa_GPTM%20050%20(v2)%200125%20A%20-%20Sample%207.24.25.pdf","doc_title":"Pet Health Insurance Policy Terms and Conditions, GPTM 050 0125 A (Sample Policy)","status":"confirmed","verify":"exact","verify_score":1},"curable_preexisting_window":{"value":"yes, 365 days (12 months) symptom-free","quote":"Any curable medical condition... will be subject to a curable exclusionary period of three hundred sixty-five (365) days from the original inception date of the policy.","url":"https://cdn.prod.website-files.com/664b8c1e077f005566b9425c/68add0656ed7a71438bc8baa_GPTM%20050%20(v2)%200125%20A%20-%20Sample%207.24.25.pdf","doc_title":"Pet Health Insurance Policy Terms and Conditions, GPTM 050 0125 A (Sample Policy)","status":"confirmed","verify":"missing","verify_score":0.846},"max_enrollment_age":{"value":"not stated","quote":"","url":"","doc_title":"","status":"not_stated","verify":"n/a","verify_score":0},"min_enrollment_age":{"value":"6 weeks","quote":"Any costs and payments for a pet less than six (6) weeks old.","url":"https://cdn.prod.website-files.com/664b8c1e077f005566b9425c/68add0656ed7a71438bc8baa_GPTM%20050%20(v2)%200125%20A%20-%20Sample%207.24.25.pdf","doc_title":"Pet Health Insurance Policy Terms and Conditions, GPTM 050 0125 A (Sample Policy)","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"yes, included","quote":"Unlike other pet insurance providers, Fetch covers the complete sick visit - exam fee included.","url":"https://web.archive.org/web/20250917164646/https://www.fetchpet.com/pet-insurance-terms","doc_title":"Pet Insurance Terms, Explained","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"$5,000 / $10,000 / $15,000","quote":"Fetch Pet Insurance offers a few standard options for your maximum annual payout, including $5,000, $10,000 and $15,000.","url":"https://web.archive.org/web/20251108041300/https://www.fetchpet.com/faqs/annual-coverage-limit","doc_title":"Annual coverage limit | Fetch Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual (per policy period): $250-$2,500","quote":"when signing up for Fetch cat or dog insurance online, we'll show you three recommended deductibles specific to your pet - they can range between $250 to $2,500.","url":"https://web.archive.org/web/20251209140419/https://www.fetchpet.com/faqs/what-is-pet-insurance-deductible","doc_title":"What is a Pet Insurance Deductible? | Fetch® FAQs","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"70% / 80% / 90%","quote":"Your reimbursement rate is the percentage of an approved claim total that we can cover. With Fetch, you can choose 70%, 80% or 90%.","url":"https://web.archive.org/web/20251116065226/https://www.fetchpet.com/faqs/can-i-customize-my-pet-insurance-plan","doc_title":"Can I Customize My Pet Insurance Plan? | Fetch® FAQs","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"no, reimbursement only","quote":"After paying for your puppy's treatment at checkout, simply log in to the Fetch Pet Insurance app or online portal and follow the easy steps to submit your claim","url":"https://web.archive.org/web/20251104212815/https://www.fetchpet.com/claims/reimbursement","doc_title":"Pet Insurance Reimbursement | How Does it Work? | Fetch®","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"yes","quote":"Fetch covers injury and illness in every adult tooth - not just the canines. This includes full coverage for periodontal disease, oral tumors, trauma and more.","url":"https://web.archive.org/web/20251114140353/https://www.fetchpet.com/pet-insurance/dental-coverage","doc_title":"Pet Dental Insurance for Dogs & Cats | Fetch® Covers Dental","status":"confirmed","verify":"exact","verify_score":1},"prescription_food_covered":{"value":"no","quote":"No, Fetch Pet Insurance does not cover prescription food for your dog or cat. We do cover prescription medications and supplements recommended by a vet to treat a new injury or illness.","url":"https://web.archive.org/web/20251205103754/https://www.fetchpet.com/faqs/does-pet-insurance-cover-prescription-food","doc_title":"Does Pet Insurance Cover Prescription Food? | Fetch® FAQs","status":"confirmed","verify":"exact","verify_score":1},"behavioral_therapy_covered":{"value":"yes, up to $1,000/year, included at no extra charge","quote":"Consultations with a vet to diagnose and treat behavioral disorders are covered, up to $1,000, per year - included at no extra charge.","url":"https://web.archive.org/web/20251208152105/https://www.fetchpet.com/faqs/does-pet-insurance-cover-anxiety-medication","doc_title":"Does Pet Insurance Cover Anxiety Medication? | Fetch® FAQs","status":"confirmed","verify":"exact","verify_score":1}},"notes":"State-specific policy forms exist for CA/AK/AR; generic form used.","fetch_problems":"Cloudflare geo-block; Wayback via browser used."},{"key":"aspca","name":"ASPCA Pet Health Insurance","domain":"aspcapetinsurance.com","cells":{"accident_waiting_period":{"value":"14 days","quote":"Accident Waiting Period: 14 Days","url":"https://www.aspcapetinsurance.com/research-and-compare/compare-plans/competitors/trupanion/","doc_title":"Compare ASPCA Pet Health Insurance vs. Trupanion","status":"confirmed","verify":"exact","verify_score":1},"illness_waiting_period":{"value":"14 days","quote":"Illness Waiting Period: 14 Days","url":"https://www.aspcapetinsurance.com/research-and-compare/compare-plans/competitors/trupanion/","doc_title":"Compare ASPCA Pet Health Insurance vs. Trupanion","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"14 days on current policy forms (12 months on older BAS-series forms in some states)","quote":"Diagnosis and treatment for ligament and knee conditions are subject to a 14 day waiting period on all policies.","url":"https://www.aspcapetinsurance.com/more-info/notice-to-california-residents/","doc_title":"Important Policy Notice to California Residents","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiver_available":{"value":"not stated","quote":"","url":"","doc_title":"","status":"not_stated","verify":"n/a","verify_score":0},"bilateral_condition_clause":{"value":"yes: bilateral exclusion for ligament/knee conditions","quote":"Ligament and Knee conditions are considered bilateral and related, regardless of cause; meaning an occurrence on one side of the body affects both sides of the body.","url":"https://www.aspcapetinsurance.com/more-info/notice-to-california-residents/","doc_title":"Important Policy Notice to California Residents","status":"confirmed","verify":"exact","verify_score":1},"curable_preexisting_window":{"value":"yes, 180 days symptom-free (except ligament/knee conditions)","quote":"If your pet's pre-existing condition is curable and has been cured and free from treatment and symptoms for a period of 180 days it is a new occurrence.","url":"https://www.aspcapetinsurance.com/more-info/notice-to-california-residents/","doc_title":"Important Policy Notice to California Residents","status":"confirmed","verify":"exact","verify_score":1},"max_enrollment_age":{"value":"no upper age limit","quote":"there are no upper-age restrictions for enrolling in an ASPCA® Pet Health Insurance plan","url":"https://www.aspcapetinsurance.com/senior-dog-insurance/","doc_title":"The Best Senior Dog Insurance | ASPCA Pet Health Insurance","status":"confirmed","verify":"exact","verify_score":1},"min_enrollment_age":{"value":"8 weeks","quote":"covers dogs as young as 8 weeks old up through their final years","url":"https://www.aspcapetinsurance.com/senior-dog-insurance/","doc_title":"The Best Senior Dog Insurance | ASPCA Pet Health Insurance","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"yes, included","quote":"Exam Fees: Yes","url":"https://www.aspcapetinsurance.com/research-and-compare/compare-plans/competitors/trupanion/","doc_title":"Compare ASPCA Pet Health Insurance vs. Trupanion","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"not stated as a fixed list (customizable; illustrative example uses $3,000)","quote":"Select a lower annual limit to pay a lower premium.","url":"https://www.aspcapetinsurance.com/dog-insurance/","doc_title":"Dog Insurance Plans | ASPCA Pet Health Insurance","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual: $100 / $250 / $500","quote":"Annual deductible with options of $100, $250, and $500","url":"https://www.aspcapetinsurance.com/research-and-compare/compare-plans/competitors/trupanion/","doc_title":"Compare ASPCA Pet Health Insurance vs. Trupanion","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"70% / 80% / 90%","quote":"Choice of 90%, 80% or 70% of covered vet costs","url":"https://www.aspcapetinsurance.com/research-and-compare/compare-plans/competitors/trupanion/","doc_title":"Compare ASPCA Pet Health Insurance vs. Trupanion","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"No, reimbursement-based model - the pet owner typically pays the vet at time of service and is reimbursed after filing a claim; a reimbursement check can optionally be routed to the vet practice, but only post-claim-approval, not at checkout.","quote":"Typically the pet owner pays the veterinarian at the time of service, and then the pet owner submits a claim for reimbursement.","url":"https://vet.aspcapetinsurance.com/faqs/","doc_title":"Veterinarian FAQs | ASPCA Pet Health Insurance","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"yes","quote":"Complete CoverageSM covers dental treatments for illnesses and accidents, while an Accident Only plan covers tooth extractions for unexpected dental injuries.","url":"https://www.aspcapetinsurance.com/research-and-compare/pet-insurance-basics/whats-covered/","doc_title":"What Does Pet Insurance Cover? | ASPCA Pet Health Insurance","status":"confirmed","verify":"fuzzy","verify_score":0.981},"prescription_food_covered":{"value":"yes for covered conditions","quote":"With Complete CoverageSM, you can get reimbursed for these products when they're used to treat a covered condition.","url":"https://www.aspcapetinsurance.com/research-and-compare/pet-insurance-basics/whats-covered/","doc_title":"What Does Pet Insurance Cover? | ASPCA Pet Health Insurance","status":"confirmed","verify":"fuzzy","verify_score":0.92},"behavioral_therapy_covered":{"value":"yes","quote":"Complete CoverageSM covers the eligible costs of diagnosing and treating these issues.","url":"https://www.aspcapetinsurance.com/research-and-compare/pet-insurance-basics/whats-covered/","doc_title":"What Does Pet Insurance Cover? | ASPCA Pet Health Insurance","status":"confirmed","verify":"fuzzy","verify_score":0.976}},"notes":"State variation on California notice page (BAS-series vs PET-P forms).","fetch_problems":"plans page 404; state-doc selector interactive."},{"key":"spot","name":"Spot Pet Insurance","domain":"spotpetins.com","cells":{"accident_waiting_period":{"value":"14 days","quote":"There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions. The waiting period begins on the first effective date of the applicable coverage.","url":"https://spotpet.com/spot-sample-policy.pdf","doc_title":"Sample Policy - Spot Pet Insurance (Accident & Illness Policy, PET-P-20000-1024)","status":"confirmed","verify":"fuzzy","verify_score":0.863},"illness_waiting_period":{"value":"14 days","quote":"There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions.","url":"https://spotpet.com/spot-sample-policy.pdf","doc_title":"Sample Policy - Spot Pet Insurance (Accident & Illness Policy, PET-P-20000-1024)","status":"confirmed","verify":"fuzzy","verify_score":0.977},"orthopedic_waiting_period":{"value":"14 days (same as illness; policy uses the term \"ligament and knee conditions\", treated as illness)","quote":"Ligament and Knee Conditions Conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee... These conditions are considered illnesses under this policy.","url":"https://spotpet.com/spot-sample-policy.pdf","doc_title":"Sample Policy - Spot Pet Insurance (Accident & Illness Policy, PET-P-20000-1024)","status":"unverified","verify":"missing","verify_score":0.821},"orthopedic_waiver_available":{"value":"yes, via a Waiting Period Health Assessment exam completed within 3 days before to 7 days after the policy effective date, form submitted within 30 days","quote":"If the Waiting Period Health Assessment requirements are met, the waiting period will be waived to either the policy period effective date or the day after the qualifying exam, whichever is later. This waiver does not alter the pre-existing conditions exclusion.","url":"https://spotpet.com/Spot-California-Waiting-Period-Health-Assessment-Form.pdf","doc_title":"Waiting Period Health Assessment Form - Spot Pet Insurance (California)","status":"confirmed","verify":"exact","verify_score":1},"bilateral_condition_clause":{"value":"yes: bilateral exclusion for ligament/knee conditions","quote":"These are considered bilateral conditions and related, regardless of cause; meaning an occurrence on one side of the body affects both sides of the body.","url":"https://spotpet.com/spot-sample-policy.pdf","doc_title":"Sample Policy - Spot Pet Insurance (Accident & Illness Policy, PET-P-20000-1024)","status":"confirmed","verify":"fuzzy","verify_score":0.98},"curable_preexisting_window":{"value":"yes, 180 days symptom-free (does not apply to chronic conditions or ligament/knee conditions)","quote":"If your pet's pre-existing condition is curable and has been cured and free from treatment and symptoms for a period of 180 days it is a new occurrence. This does not apply to chronic conditions or ligament and knee conditions.","url":"https://spotpet.com/spot-sample-policy.pdf","doc_title":"Sample Policy - Spot Pet Insurance (Accident & Illness Policy, PET-P-20000-1024)","status":"confirmed","verify":"fuzzy","verify_score":0.938},"max_enrollment_age":{"value":"no upper age limit","quote":"Spot plans don't have upper age limits for new enrollments","url":"https://spotpet.com/commonly-asked-questions","doc_title":"Pet Insurance FAQs: Common Questions Answered | Spot Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"min_enrollment_age":{"value":"8 weeks","quote":"Pets 8 weeks and older can be enrolled at any time","url":"https://spotpet.com/commonly-asked-questions","doc_title":"Pet Insurance FAQs: Common Questions Answered | Spot Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"yes, included in base plan","quote":"Veterinary Treatment, including examinations, consultations and laboratory tests.","url":"https://spotpet.com/spot-sample-policy.pdf","doc_title":"Sample Policy - Spot Pet Insurance (Accident & Illness Policy, PET-P-20000-1024)","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"$2,500 / $3,000 / $4,000 / $5,000 / $7,000 / $10,000 / unlimited","quote":"Spot Pet Insurance plans offer annual limits of $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited coverage, allowing pet parents to customize their protection level.","url":"https://spotpet.com/blog/why-pet-insurance/what-is-an-annual-limit-in-pet-insurance","doc_title":"How Annual Limits Work and Why They Matter | Spot Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual: $100 / $250 / $500 / $750 / $1,000","quote":"Spot Pet Insurance offers annual deductibles of $100, $250, $500, $750, or $1,000, giving you flexibility to balance your monthly premium with your out-of-pocket costs at claim time.","url":"https://spotpet.com/blog/why-pet-insurance/deductibles-in-pet-insurance","doc_title":"Pet Insurance Deductibles Explained: Annual vs. Per-Incident in 2025 | Spot Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"70% / 80% / 90%","quote":"Spot Pet Insurance plans offer 70%, 80%, or 90% reimbursement of eligible costs","url":"https://spotpet.com/blog/why-pet-insurance/what-is-an-annual-limit-in-pet-insurance","doc_title":"How Annual Limits Work and Why They Matter | Spot Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"no, reimbursement-based (policyholder is financially responsible to the vet; direct vet payment only possible post-claim if requested on the claim form)","quote":"You are financially responsible to your veterinarian for services provided. This policy reimburses you for covered expenses as described for your pet. ... If you so indicate on your claim form, we can pay the veterinarian directly.","url":"https://spotpet.com/spot-sample-policy.pdf","doc_title":"Sample Policy - Spot Pet Insurance (Accident & Illness Policy, PET-P-20000-1024)","status":"confirmed","verify":"missing","verify_score":0.534},"dental_illness_covered":{"value":"yes, dental illness treatment is covered - periodontal disease treatment, tooth root abscesses, and oral tumors are listed as typically covered under Spot's accident & illness plan; cosmetic/orthodontic dental work, routine cleanings, and preventive dental exams/X-rays are excluded unless an optional wellness add-on is purchased.","quote":"Periodontal disease treatment, tooth root abscess, and oral tumors are listed as \"Typically Covered\" in Spot's accident and illness coverage table.","url":"https://spotpet.com/blog/why-pet-insurance/does-pet-insurance-cover-dental","doc_title":"Does Pet Insurance Cover Dental? | Spot Pet Insurance","status":"confirmed","verify":"missing","verify_score":0.556},"prescription_food_covered":{"value":"yes, for treatment of a covered condition only (not for general maintenance/prevention)","quote":"Prescription pet food to treat a covered condition; not for general health maintenance, or prevention, even if prescribed or dispensed by a veterinarian.","url":"https://spotpet.com/spot-sample-policy.pdf","doc_title":"Sample Policy - Spot Pet Insurance (Accident & Illness Policy, PET-P-20000-1024)","status":"confirmed","verify":"fuzzy","verify_score":0.886},"behavioral_therapy_covered":{"value":"yes, if performed or referred by a veterinarian to a qualified behaviorist","quote":"Treatment for behavioral problems if performed by a veterinarian or through a written referral by a veterinarian to an Applied Animal Behaviorist, Certified Applied Animal Behaviorist (CAAB), Associate Certified Applied Animal Behaviorist (ACAAB) or Diplomat of the American College of Veterinary Behaviorists (Dip ACVB).","url":"https://spotpet.com/spot-sample-policy.pdf","doc_title":"Sample Policy - Spot Pet Insurance (Accident & Illness Policy, PET-P-20000-1024)","status":"confirmed","verify":"missing","verify_score":0.724}},"notes":"spotpetins.com redirects to spotpet.com (same operator).","fetch_problems":"PDF summarizer failed; Read tool used on cached PDF."},{"key":"pumpkin","name":"Pumpkin Pet Insurance","domain":"pumpkin.care","cells":{"accident_waiting_period":{"value":"14 days","quote":"There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions.","url":"https://pumpkin-assets.s3.amazonaws.com/pdfs/Sample_Policy_AccidentIllness.pdf","doc_title":"Accident and Illness Coverage - Sample Policy (PET-P-20000-0920)","status":"confirmed","verify":"exact","verify_score":1},"illness_waiting_period":{"value":"14 days","quote":"There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions.","url":"https://pumpkin-assets.s3.amazonaws.com/pdfs/Sample_Policy_AccidentIllness.pdf","doc_title":"Accident and Illness Coverage - Sample Policy (PET-P-20000-0920)","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"14 days (same as accident/illness; policy groups it under \"ligament and knee conditions\", not a separately named \"orthopedic\" category)","quote":"There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions.","url":"https://pumpkin-assets.s3.amazonaws.com/pdfs/Sample_Policy_AccidentIllness.pdf","doc_title":"Accident and Illness Coverage - Sample Policy (PET-P-20000-0920)","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiver_available":{"value":"yes, in states offering the endorsement (e.g. Washington), if a vet exam occurs 3 days before to 7 days after the policy effective date and the Waiting Period Assessment Form is submitted within 30 days","quote":"If the Waiting Period Health Assessment requirements are met, the waiting period will be waived to either the policy period effective date or the day after the qualifying exam, whichever is later.","url":"https://www.pumpkin.care/legal/notice-to-washington-residents","doc_title":"Notice to Washington Residents | Pumpkin Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"bilateral_condition_clause":{"value":"yes: ligament and knee conditions are treated as bilateral - an occurrence on one side is treated as affecting both sides","quote":"Ligament and Knee Conditions ... These are considered bilateral and related, regardless of cause; meaning an occurrence on one side of the body affects both sides of the body.","url":"https://pumpkin-assets.s3.amazonaws.com/pdfs/Sample_Policy_AccidentIllness.pdf","doc_title":"Accident and Illness Coverage - Sample Policy (PET-P-20000-0920)","status":"confirmed","verify":"fuzzy","verify_score":0.863},"curable_preexisting_window":{"value":"yes, 180 days symptom-free and treatment-free makes it a new occurrence; this exception does not apply to ligament and knee conditions","quote":"If your pet's pre-existing condition is curable and has been cured and free from treatment and symptoms for a period of 180 days it is a new occurrence. This does not apply to ligament and knee conditions.","url":"https://pumpkin-assets.s3.amazonaws.com/pdfs/Sample_Policy_AccidentIllness.pdf","doc_title":"Accident and Illness Coverage - Sample Policy (PET-P-20000-0920)","status":"confirmed","verify":"exact","verify_score":1},"max_enrollment_age":{"value":"no upper age limit","quote":"No breed or upper age restrictions, plus no reducing coverage as your dog ages.","url":"https://www.pumpkin.care/dog-health-insurance","doc_title":"Top-Rated Dog Insurance plans by Pumpkin | Pumpkin Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"min_enrollment_age":{"value":"8 weeks","quote":"All pets ages 8 wks & up are eligible to enroll.","url":"https://www.pumpkin.care/dog-health-insurance","doc_title":"Top-Rated Dog Insurance plans by Pumpkin | Pumpkin Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"yes, included (no separate add-on) - vet examinations/consultations are eligible covered expenses","quote":"Veterinary Treatment, including examinations, consultations and laboratory tests.","url":"https://pumpkin-assets.s3.amazonaws.com/pdfs/Sample_Policy_AccidentIllness.pdf","doc_title":"Accident and Illness Coverage - Sample Policy (PET-P-20000-0920)","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"$5,000 up to unlimited","quote":"$5k-unlimited annual maximum coverage limit options","url":"https://www.pumpkin.care/dog-health-insurance","doc_title":"Top-Rated Dog Insurance plans by Pumpkin | Pumpkin Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual (specific dollar amount options are set on the individual declarations page; the exact list of dollar figures could not be confirmed on the official pages/PDF checked)","quote":"Your annual deductible amount is listed on the declarations page and applies during each policy period. We subtract that deductible from covered expenses before applying the reimbursement percentage.","url":"https://pumpkin-assets.s3.amazonaws.com/pdfs/Sample_Policy_AccidentIllness.pdf","doc_title":"Accident and Illness Coverage - Sample Policy (PET-P-20000-0920)","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"90% confirmed as an available option on an official page; the full set of tiers (commonly reported elsewhere as 70/80/90%) could not be confirmed with an official quote","quote":"90% reimbursement rate option for all breeds 8 wks & up","url":"https://www.pumpkin.care/dog-health-insurance","doc_title":"Top-Rated Dog Insurance plans by Pumpkin | Pumpkin Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"yes, if indicated on the claim form, Pumpkin can pay the veterinarian directly","quote":"If you so indicate on your claim form, we can pay the veterinarian directly.","url":"https://pumpkin-assets.s3.amazonaws.com/pdfs/Sample_Policy_AccidentIllness.pdf","doc_title":"Accident and Illness Coverage - Sample Policy (PET-P-20000-0920)","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"yes with conditions - dental illness treatment (e.g. tooth extractions) is covered under illness benefits, but aesthetic/cosmetic/endodontic/orthodontic dental services (caps, crowns, fillings, implants, root canals, planing) and routine cleanings (unless treating a covered illness) are excluded","quote":"Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing. ... Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement.","url":"https://pumpkin-assets.s3.amazonaws.com/pdfs/Sample_Policy_AccidentIllness.pdf","doc_title":"Accident and Illness Coverage - Sample Policy (PET-P-20000-0920)","status":"unverified","verify":"missing","verify_score":0.61},"prescription_food_covered":{"value":"yes, for treatment of a covered condition only - not for general health maintenance or prevention","quote":"Prescription pet food to treat a covered condition; not for general health maintenance, or prevention, even if prescribed or dispensed by a veterinarian.","url":"https://pumpkin-assets.s3.amazonaws.com/pdfs/Sample_Policy_AccidentIllness.pdf","doc_title":"Accident and Illness Coverage - Sample Policy (PET-P-20000-0920)","status":"confirmed","verify":"exact","verify_score":1},"behavioral_therapy_covered":{"value":"yes, when performed by a veterinarian or via written vet referral to a qualified animal behaviorist","quote":"Treatment for behavioral problems if performed by a veterinarian or through a written referral by a veterinarian to a Applied Animal Behaviorist, Certified Applied Animal Behaviorist (CAAB), Associate Certified Applied Animal Behaviorist (ACAAB) or Diplomat of the American College of Veterinary Behaviorists (Dip ACVB).","url":"https://pumpkin-assets.s3.amazonaws.com/pdfs/Sample_Policy_AccidentIllness.pdf","doc_title":"Accident and Illness Coverage - Sample Policy (PET-P-20000-0920)","status":"confirmed","verify":"exact","verify_score":1}},"notes":"Sample policy generic form; waiver confirmed only via WA notice page.","fetch_problems":"FAQ pages truncated; PDF via S3."},{"key":"metlife","name":"MetLife Pet Insurance","domain":"metlifepetinsurance.com","cells":{"accident_waiting_period":{"value":"0 days","quote":"MetLife Pet offers a 0-day waiting period on accidents and our optional Preventive Care coverage benefits.","url":"https://www.metlifepetinsurance.com/blog/pet-insurance/no-waiting-period/","doc_title":"Get Covered: Pet Insurance With No Waiting Period | MetLife Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"illness_waiting_period":{"value":"14 days","quote":"For illnesses, MetLife Pet has a 14-day waiting period.","url":"https://www.metlifepetinsurance.com/blog/pet-insurance/no-waiting-period/","doc_title":"Get Covered: Pet Insurance With No Waiting Period | MetLife Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"no separate period; same as accident/illness (0/14 days)","quote":"MetLife Pet doesn't have a separate waiting period for orthopedic conditions. These would fall under your policy's accident or illness waiting period.","url":"https://www.metlifepetinsurance.com/blog/pet-insurance/no-waiting-period/","doc_title":"Get Covered: Pet Insurance With No Waiting Period | MetLife Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiver_available":{"value":"not stated","quote":"","url":"","doc_title":"","status":"unverified","verify":"n/a","verify_score":0},"bilateral_condition_clause":{"value":"yes: bilateral exclusion - other side can be classed pre-existing","quote":"MetLife Pet may classify the condition as pre-existing even if symptoms on the other side appear later, after coverage begins.","url":"https://www.metlifepetinsurance.com/blog/pet-insurance/bilateral-conditions/","doc_title":"Bilateral Conditions: Are They Covered? | MetLife Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"curable_preexisting_window":{"value":"yes, if treatment-free and unrelated to prior incident (no specific day/month figure officially stated)","quote":"Curable pre-existing conditions-like ear infections, vomiting, or broken bones-can typically be covered by MetLife Pet as long as the incident that occurred after enrollment is unrelated to any of the same incidents that happened before coverage.","url":"https://www.metlifepetinsurance.com/pre-existing-conditions/","doc_title":"Pet Insurance & Pre-Existing Conditions | MetLife Pet Insurance","status":"unverified","verify":"missing","verify_score":0.181},"max_enrollment_age":{"value":"no upper age limit","quote":"No breed restrictions or upper-age limits to enroll","url":"https://www.metlifepetinsurance.com/coverage-exclusions/","doc_title":"Coverage and Exclusions | MetLife Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"min_enrollment_age":{"value":"8 weeks","quote":"Insure your pup from 8 weeks old with plans starting at $16 per month","url":"https://www.metlifepetinsurance.com/dog-insurance/puppy/","doc_title":"Puppy Insurance From MetLife Pet | Get Award-Winning Coverage","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"yes, included","quote":"Vet visit exam fees","url":"https://www.metlifepetinsurance.com/faqs/","doc_title":"Pet Insurance FAQs | MetLife Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"$2,000 / $5,000 / $10,000 (up to unlimited on some plans)","quote":"Select a lower limit for a typically lower monthly premium","url":"https://www.metlifepetinsurance.com/plans/","doc_title":"Pet Insurance Plans | MetLife Pet","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual: $250-$2,500 (as low as $0 via claim-history reduction)","quote":"Customizable annual deductible (from $0 – $2,500) that renews each policy year","url":"https://www.metlifepetinsurance.com/faqs/","doc_title":"Pet Insurance FAQs | MetLife Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"up to 90% (80% shown as standard rate on plan pages)","quote":"Reimbursement rates up 90%","url":"https://www.metlifepetinsurance.com/faqs/","doc_title":"Pet Insurance FAQs | MetLife Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"no, reimbursement only","quote":"MetLife Pet does not currently pay vets directly","url":"https://www.metlifepetinsurance.com/faqs/","doc_title":"Pet Insurance FAQs | MetLife Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"yes","quote":"Periodontal disease","url":"https://www.metlifepetinsurance.com/coverage-exclusions/","doc_title":"Coverage and Exclusions | MetLife Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"prescription_food_covered":{"value":"yes for covered conditions, vet-prescribed only","quote":"Food that can only be purchased from a Veterinary Provider with a prescription from a Veterinarian","url":"https://www.metlifepetinsurance.com/content/dam/metlifecom/us/MetLife-MetGen-Pet-Insurance-Policy-Sample-1.pdf","doc_title":"MetLife Pet Insurance Sample Policy (PET21-01-V, OH)","status":"confirmed","verify":"exact","verify_score":1},"behavioral_therapy_covered":{"value":"optional add-on (Preventive Care) for behavior training; vet-directed behavioral treatment for a diagnosed condition may be covered under standard plan","quote":"Behavior training","url":"https://www.metlifepetinsurance.com/coverage-exclusions/","doc_title":"Coverage and Exclusions | MetLife Pet Insurance","status":"confirmed","verify":"exact","verify_score":1}},"notes":"Sample policy is Ohio-specific; deductible/limit figures vary slightly across official pages.","fetch_problems":"PDF binary issue; extracted via pypdf."},{"key":"nationwide","name":"Nationwide Pet Insurance","domain":"petinsurance.com","cells":{"accident_waiting_period":{"value":"14 days","quote":"Most plans have a 14-day waiting period after your application is approved and payment is received.","url":"https://www.petinsurance.com/whats-covered/accident-only-pet-insurance/","doc_title":"Accident & Injury Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"illness_waiting_period":{"value":"14 days","quote":"Most plans start 14 days after your application is approved and payment has been received.","url":"https://www.petinsurance.com/whats-covered/hip-dysplasia-pet-insurance/","doc_title":"Hip Dysplasia Pet Insurance Coverage","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiting_period":{"value":"12 months for cruciate ligament/meniscal damage (first policy term); hip/elbow dysplasia and related joint conditions are excluded conditions rather than a timed waiting period","quote":"Cruciate ligament or meniscal damage or rupture that occurs during the first twelve (12) calendar months of the policy","url":"https://www.petinsurance.com/plan-restrictions/","doc_title":"Nationwide Pet Insurance Plan Restrictions | Excluded Conditions","status":"confirmed","verify":"exact","verify_score":1},"orthopedic_waiver_available":{"value":"no formal exam-based waiver stated; hip/elbow dysplasia and other 'ineligible conditions' can instead be added via optional Hereditary & Congenital rider","quote":"Everything from diagnostic testing, non-invasive treatments, surgeries, and physical therapy may be covered by our insurance plans under the optional coverage for Hereditary & Congenital conditions.","url":"https://www.petinsurance.com/whats-covered/hip-dysplasia-pet-insurance/","doc_title":"Hip Dysplasia Pet Insurance Coverage","status":"confirmed","verify":"exact","verify_score":1},"bilateral_condition_clause":{"value":"not stated","quote":"","url":"","doc_title":"","status":"unverified","verify":"n/a","verify_score":0},"curable_preexisting_window":{"value":"yes, cured and treatment-free for at least 6 months (with supporting vet medical records)","quote":"If you have medical records from your vet showing that your pet's condition has been cured for at least six months, you may be able to get it covered.","url":"https://www.petinsurance.com/whats-not-covered/","doc_title":"Pet Insurance | What's Not Covered | Pre-Existing Conditions & More","status":"confirmed","verify":"exact","verify_score":1},"max_enrollment_age":{"value":"varies by plan: 8 years and younger for new Illness coverage (Modular Plan); 9 years and younger (Major Medical)","quote":"New enrollment in Illness coverage is only available for dogs and cats 8 years and younger","url":"https://www.petinsurance.com/all-products/","doc_title":"Pet Insurance Plans for Dogs, Cats & Exotic Pets | Nationwide","status":"confirmed","verify":"exact","verify_score":1},"min_enrollment_age":{"value":"8 weeks (Modular Plan); 6 weeks (Major Medical)","quote":"Pets must be a minimum of 8 weeks of age at time of application.","url":"https://www.petinsurance.com/all-products/","doc_title":"Pet Insurance Plans for Dogs, Cats & Exotic Pets | Nationwide","status":"confirmed","verify":"exact","verify_score":1},"exam_fees_covered":{"value":"yes, included","quote":"Exam fees covered\nNationwide: Yes","url":"https://www.petinsurance.com/whats-covered/emergency-pet-insurance/","doc_title":"America's #1 Emergency Pet Insurance","status":"confirmed","verify":"exact","verify_score":1},"annual_limit_options":{"value":"varies by plan: $2,500 to $10,000 (Modular Plan), $5,000 (My Pet Protection Choice), $7,500 (My Pet Protection), $10,000 (Whole Pet); Major Medical uses defined per-condition benefit schedules instead of one annual limit","quote":"$2,500 to $10,000 max annual benefit","url":"https://www.petinsurance.com/all-products/","doc_title":"Pet Insurance Plans for Dogs, Cats & Exotic Pets | Nationwide","status":"confirmed","verify":"exact","verify_score":1},"deductible_type":{"value":"annual deductible: $100-$1,000 (My Pet Protection Choice); $250 fixed on most other plans (Modular, My Pet Protection, Major Medical, Whole Pet)","quote":"$100-$1,000 annual deductible","url":"https://www.petinsurance.com/all-products/","doc_title":"Pet Insurance Plans for Dogs, Cats & Exotic Pets | Nationwide","status":"confirmed","verify":"exact","verify_score":1},"reimbursement_options":{"value":"50%, 70%, or 80%","quote":"50% to 80% reimbursement","url":"https://www.petinsurance.com/all-products/","doc_title":"Pet Insurance Plans for Dogs, Cats & Exotic Pets | Nationwide","status":"confirmed","verify":"exact","verify_score":1},"direct_vet_pay":{"value":"no, reimbursement only","quote":"Once you've met your annual deductible, we'll pay you back for covered veterinary expenses according to your plan type.","url":"https://www.petinsurance.com/faq/","doc_title":"Nationwide® Pet Insurance FAQ | What's Covered, How it Works & Claims","status":"confirmed","verify":"exact","verify_score":1},"dental_illness_covered":{"value":"no (permanently excluded) on Major Medical, Injury, Feline Select, and Whole Pet plans; on the Modular Plan, dental disease/periodontitis is covered if signs first appear after the waiting period","quote":"Diagnosis or treatment for: (1) removal or treatment of deciduous (baby) teeth, (2) cosmetic dental restoration including veneers, crowns, caps or other prosthetic devices, (3) temporomandibular joint (TMJ) disease, (4) enamel hypoplasia, (5) gingivitis, or (6) tooth hygiene or appearance including teeth cleaning and polishing","url":"https://www.petinsurance.com/plan-restrictions/","doc_title":"Nationwide Pet Insurance Plan Restrictions | Excluded Conditions","status":"confirmed","verify":"exact","verify_score":1},"prescription_food_covered":{"value":"yes, under certain plan types or via optional rider","quote":"Prescription food is covered under certain plan types or can be added to other plans with the purchase of an optional rider.","url":"https://www.petinsurance.com/faq/","doc_title":"Nationwide® Pet Insurance FAQ | What's Covered, How it Works & Claims","status":"confirmed","verify":"exact","verify_score":1},"behavioral_therapy_covered":{"value":"yes, if medically necessary and prescribed by a veterinarian (optional Behavioral coverage on the Modular Plan); pet obedience training and non-medically-necessary behavioral training are excluded; other plans (Major Medical, Injury, Feline Select) exclude behavioral diagnosis/treatment/therapy entirely","quote":"Any (1) behavioral training that is not medically necessary for a diagnosed medical condition; or (2) pet obedience training.","url":"https://www.petinsurance.com/plan-restrictions/","doc_title":"Nationwide Pet Insurance Plan Restrictions | Excluded Conditions","status":"confirmed","verify":"exact","verify_score":1}},"notes":"7 distinct plan structures; figures default to flagship Modular Plan where possible.","fetch_problems":"403 direct; browser used; PDF policy forms not opened."}],"version":"2026-09","verified":"2026-09-05"}