Insurance plan facts
Pet insurance, compared on plan facts
Coverage shape, reimbursement, deductibles, waiting periods, pre-existing-condition rules, and exclusions — placed side by side so the trade-offs are readable. iPickPet does not rank or score insurance plans and does not sell insurance.
AKC Pet Insurance
Accident & Illness
Dogs & catsAccident + illness
- Reimbursement
- Customizable reimbursement percentage; current choices are shown during enrollment.
- Deductible
- Customizable annual deductible selected during enrollment.
- Annual limit
- Customizable annual payout options up to $10,000 for eligible expenses.
Plan facts last reviewed 2026-07-23.
Wagmo
Accident & Illness
Dogs & catsAccident + illness
- Reimbursement
- Customizable; current reimbursement choices are confirmed during enrollment.
- Deductible
- Customizable; current deductible choices are confirmed during enrollment.
- Annual limit
- Customizable; current annual-limit choices are confirmed during enrollment.
Plan facts last reviewed 2026-07-23.
Pumpkin
Pet Insurance
Dogs & catsAccident + illness
- Reimbursement
- 80% / 90% of eligible covered veterinary costs.
- Deductible
- Annual deductible applies; available amounts vary by plan and state and are shown in the quote.
- Annual limit
- Dogs: $5,000 / $10,000 / $20,000 / unlimited; cats: $5,000 / $7,000 / $15,000 / unlimited.
Plan facts last reviewed 2026-07-23.
ManyPets
Accident & Illness
Dogs & catsAccident + illness
- Reimbursement
- The policy includes a co-pay; the current percentage is shown in the quote and policy.
- Deductible
- Annual deductible; the current amount is shown in the quote and policy.
- Annual limit
- No maximum for annual or lifetime payouts
Plan facts last reviewed 2026-07-23.
Spot
Accident & Illness
Dogs & catsAccident + illness
- Reimbursement
- 70% / 80% / 90% of eligible covered costs.
- Deductible
- $100 to $1,000 annual deductible.
- Annual limit
- $2,500 to $10,000, or unlimited annual coverage.
Plan facts last reviewed 2026-07-23.
Pets Best
Accident & Illness
Dogs & catsAccident + illness
- Reimbursement
- 70% / 80% / 90% of eligible veterinary expenses.
- Deductible
- $100 to $1,000 annual deductible.
- Annual limit
- $5,000 to unlimited annual benefit.
Plan facts last reviewed 2026-07-23.
Figo
Accident & Illness
Dogs & catsAccident + illness
- Reimbursement
- Options up to 100% reimbursement
- Deductible
- Selected when customizing the policy; current deductible choices are shown in the quote.
- Annual limit
- Unlimited annual benefit option available
Plan facts last reviewed 2026-07-23.
MetLife
Accident & Illness
Dogs & catsAccident + illness
- Reimbursement
- 50% / 70% / 80% / 90% of covered costs
- Deductible
- $0–$750 in $50 increments; also $1,000 / $1,250 / $1,500 / $2,000 / $2,500
- Annual limit
- $500–$25,000 in $1,000 increments, or unlimited
Plan facts last reviewed 2026-07-23.
Embrace
Accident & Illness (Cat)
CatsAccident + illness
- Reimbursement
- 70% / 80% / 90% of eligible vet bills
- Deductible
- $200 to $1,000 annual
- Annual limit
- $2,000 to unlimited
Plan facts last reviewed 2026-07-23.
Embrace
Accident & Illness (Dog)
DogsAccident + illness
- Reimbursement
- 70% / 80% / 90% of eligible vet bills
- Deductible
- $200 to $1,000 annual
- Annual limit
- $2,000 to unlimited
Plan facts last reviewed 2026-07-23.