Policy structure · published classes
Embrace
85BCScore
Reimbursement70 / 80 / 90%
Deductibleannual · $100–$1,000
Annual limitcovered$5k–unlimited (varies by state)
Ortho waitwaiting period6 mo · waiver path
Curable pre-existingcoveredlookback path
8 insurers · published mechanics only
Insurer mechanics sheets
Every card describes the typical published policy structure — reimbursement menu, deductible type, waiting-period classes, curable-pre-existing language — framed identically so you can compare. Verify current terms before binding; policy documents govern.
covered / offered excluded / not offered waiting period applies· published classes, verify current terms
Policy structure · published classes
Trupanion
83BCScore
Reimbursement90% (single published rate)
Deductibleper-condition · $0–$1,000 (lifetime, per condition)
Annual limitcoveredunlimited (no annual caps published)
Ortho waitcoveredstandard
Curable pre-existingnot offeredno path
Policy structure · published classes
Spot
82BCScore
Reimbursement70 / 80 / 90%
Deductibleannual · $100–$1,000
Annual limitcovered$2.5k–unlimited
Ortho waitcoveredstandard
Curable pre-existingcoveredlookback path
Policy structure · published classes
Figo
81BCScore
Reimbursement70 / 80 / 90 / 100%
Deductibleannual · $100–$1,500
Annual limitcovered$5k–unlimited
Ortho waitwaiting periodup to 6–12 mo
Curable pre-existingcoveredlookback path
Policy structure · published classes
Pets Best
80BCScore
Reimbursement70 / 80 / 90%
Deductibleannual · $50–$1,000
Annual limitcovered$5k–unlimited
Ortho waitwaiting period6 mo · waiver path
Curable pre-existingnot offeredno path
Policy structure · published classes
MetLife Pet
77BCScore
Reimbursement70 / 80 / 90%
Deductibleannual · $50–$2,500
Annual limitwaiting period$2k–$10k typical published menu
Ortho waitwaiting periodup to 6–12 mo
Curable pre-existingnot offeredno path
Policy structure · published classes
Lemonade Pet
76BCScore
Reimbursement70 / 80 / 90%
Deductibleannual · $100–$750
Annual limitwaiting period$5k–$100k
Ortho waitwaiting periodup to 6–12 mo
Curable pre-existingnot offeredno path
Policy structure · published classes
Healthy Paws
74BCScore
Reimbursement70 / 80% (age-banded at enrollment)
Deductibleannual · $250–$1,000 (age-banded)
Annual limitcoveredunlimited (single published structure)
Ortho waitwaiting periodup to 6–12 mo
Curable pre-existingnot offeredno path
Want the structures side by side? Open the full coverage matrix.