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| Carrier | Rating | Illness wait | Ortho wait | Appeal window | Dental | Hereditary | Exam fees |
|---|---|---|---|---|---|---|---|
| Healthy Paws | 4.5 | 15d | 15d | 90d | — | ✓ | — |
| Trupanion | 4.4 | 30d | 30d | 90d | ✓ | ✓ | ✓ |
| Embrace | 4.3 | 14d | 180d | 60d | ✓ | ✓ | ✓ |
| Prudent Pet | 4.2 | 14d | 14d | 60d | ✓ | ✓ | ✓ |
| Fetch by The Dodo | 4.2 | 15d | 15d | 90d | ✓ | ✓ | ✓ |
| Pumpkin | 4.2 | 14d | 14d | 90d | ✓ | ✓ | ✓ |
| Spot Pet Insurance | 4.1 | 14d | 14d | 180d | ✓ | ✓ | ✓ |
| ManyPets US | 4.1 | 15d | 15d | 60d | ✓ | ✓ | ✓ |
| ASPCA Pet Health Insurance | 4.1 | 14d | 14d | 180d | ✓ | ✓ | ✓ |
| Odie Pet Insurance | 4 | 14d | 14d | 60d | ✓ | ✓ | ✓ |
| Lemonade Pet | 4 | 14d | 180d | 180d | — | ✓ | — |
| Figo | 4 | 14d | 180d | 90d | ✓ | ✓ | ✓ |
| Pets Best | 4 | 14d | 180d | 60d | ✓ | ✓ | ✓ |
| MetLife Pet Insurance | 4 | 14d | 14d | 60d | ✓ | ✓ | ✓ |
| Nationwide Pet | 3.9 | 14d | 14d | 60d | ✓ | ✓ | ✓ |
| PetFirst | 3.9 | 14d | 14d | 60d | ✓ | ✓ | ✓ |
| Kanguro | 3.8 | 15d | 15d | 60d | — | ✓ | ✓ |
| Wagmo | 3.8 | 15d | 15d | 60d | ✓ | ✓ | ✓ |
| Hartville | 3.7 | 14d | 14d | 180d | ✓ | ✓ | ✓ |
| AKC Pet Insurance | 3.6 | 14d | 180d | 90d | ✓ | ✓ | — |
| Pet Assure | 3.6 | 0d | 0d | 30d | ✓ | ✓ | ✓ |
| Pawp | 3.5 | 0d | 0d | 30d | — | — | — |