8 insurers × 5 mechanics
The coverage matrix
Every cell is a typical published policy class — the structures premiums don't show. Click any insurer for the full mechanics sheet, then verify current terms when you quote.
covered / offered excluded / not offered waiting period applies· published classes, verify current terms
| Insurer | Reimbursement choices | Deductible type | Ortho waiting period | Curable pre-existing path | Unlimited annual option | BCScore | Quote link |
|---|---|---|---|---|---|---|---|
| Embrace | covered70 / 80 / 90% | coveredannual · $100–$1,000 | waiting periodup to 6 months for orthopedic conditions (dogs) — waiver path | coveredpublished lookback | coveredavailable | 85 | Quote → |
| Trupanion | waiting period90% (single published rate) | waiting periodper-condition · $0–$1,000 (lifetime, per condition) | covered~30 days (illness class; no separate ortho extension published) | not offeredno published path | coveredavailable | 83 | Quote → |
| Spot | covered70 / 80 / 90% | coveredannual · $100–$1,000 | covered~14 days (no separate published ortho extension) | coveredpublished lookback | coveredavailable | 82 | Quote → |
| Figo | covered70 / 80 / 90 / 100% | coveredannual · $100–$1,500 | not offeredup to 6 months for knee conditions in some states | coveredpublished lookback | coveredavailable | 81 | Quote → |
| Pets Best | covered70 / 80 / 90% | coveredannual · $50–$1,000 | waiting periodup to 6 months for cruciate-ligament events — waiver path | not offeredno published path | coveredavailable | 80 | Quote → |
| MetLife Pet | covered70 / 80 / 90% | coveredannual · $50–$2,500 | not offered~6 months for IVDD/ligament events in published terms (varies) | not offeredno published path | not offerednot published | 77 | Quote → |
| Lemonade Pet | covered70 / 80 / 90% | coveredannual · $100–$750 | not offeredup to 6 months for cruciate events (varies by state) | not offeredno published path | not offerednot published | 76 | Quote → |
| Healthy Paws | covered70 / 80% (age-banded at enrollment) | coveredannual · $250–$1,000 (age-banded) | not offered~12 months for hip dysplasia coverage; excluded when enrollment is at higher ages (published class) | not offeredno published path | coveredavailable | 74 | Quote → |
How to use the matrix
Premiums answer "how much"; this grid answers "how does it behave when you claim." Three reads matter most:
- Ortho waiting classes decide how soon knee/hip/spinal events become coverable — the spread runs from ~14 days to 12 months, and waiver paths (◐) can shorten the long ones with paperwork at enrollment.
- Curable pre-existing pathways only matter if your pet has a resolved condition in its history — but when they matter, they are decisive. ✓ means a lookback path is published; ✗ means none is.
- Unlimited annual options matter most for large and giant breed classes; for low-band cats, a capped limit with a low deductible often models better.
Every cell reflects typical published classes at review time — state filings differ and menus change. Policy documents govern; verify before binding.
Questions about your pet's health belong with your veterinarian. BreedCovered covers how insurers price and structure policies — nothing here is medical advice.