Pet Insurance Plan Comparison

Insurance plan comparison

Select up to 3 plans, then compare plan facts.

This tool places plan facts side by side — coverage shape, reimbursement, deductibles, waiting periods, and exclusions. iPickPet does not rank or score insurance plans and does not sell insurance. Plans are shown in the order you select them.

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Plan facts	Spot Accident & Illness Dogs & cats · Accident + illness
Region availability	Plan availability and policy terms vary by state; confirm eligibility in the current quote and policy.
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.
Accident waiting period	Varies by state; the exact accident waiting period appears in the quote and policy.
Illness waiting period	Varies by state; the exact illness waiting period appears in the quote and policy.
Orthopedic waiting period	Not available
Pre-existing conditions	Not covered; some curable conditions may be eligible after 180 symptom-free and treatment-free days, excluding knee and ligament conditions.
Enrollment age limits	Not available
Key exclusions	Not available
Source	Official plan page, reviewed 2026-07-23

Plan facts change over time and vary by state, pet age, and breed. Confirm every detail on the provider's official policy documents before purchasing, and ask your veterinarian which coverage questions matter for your pet's existing conditions. Insurance facts are kept separate from food and supplement data and never influence nutrition comparisons.

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Plan facts

Spot

Accident & Illness

Dogs & cats · Accident + illness

Region availability

Plan availability and policy terms vary by state; confirm eligibility in the current quote and policy.

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.

Accident waiting period

Varies by state; the exact accident waiting period appears in the quote and policy.

Illness waiting period

Varies by state; the exact illness waiting period appears in the quote and policy.

Orthopedic waiting period

Not available

Pre-existing conditions

Not covered; some curable conditions may be eligible after 180 symptom-free and treatment-free days, excluding knee and ligament conditions.

Enrollment age limits

Not available

Key exclusions

Not available

Source

Official plan page, reviewed 2026-07-23