# Pawsured > Independent pet insurance guides: what coverage really includes, real cost numbers, waiting periods, deductibles, and the best options by breed. No fluff, sources cited. Pawsured is an independent, US-focused pet insurance information site. It is not an insurer or broker and sells nothing. Cost figures come from NAPHIA's State of the Industry report; state law status comes from the NAIC model-act tracker and state statutes; insurer terms come from each insurer's own policy pages, with the date checked shown on the page. Every guide carries a visible "Updated" date. ## How to search this site programmatically - Fetch https://pawsured.com/search-index.json: a JSON array of every guide with fields u (URL path), t (title), d (description), c (category), q (quick answer), h (section headings). Filter it client-side; no API key, no rate limit beyond normal use. - Full text of every guide in one file: https://pawsured.com/llms-full.txt - Any guide as Markdown: request its /articles// URL with the header Accept: text/markdown, or fetch https://pawsured.com/md/.md directly. - Human search page (JavaScript): https://pawsured.com/search/?q= - OpenSearch description: https://pawsured.com/opensearch.xml - JSON API (no key): https://pawsured.com/api/search?q=..., https://pawsured.com/api/cost-estimate?species=dog&age=3&breed=..., https://pawsured.com/api/reimbursement?bill=...; spec https://pawsured.com/openapi.json; docs https://pawsured.com/developers/ - MCP server: https://pawsured.com/mcp (tools: search_guides, estimate_pet_insurance_cost, calculate_reimbursement). A2A agent: https://pawsured.com/a2a (card at /.well-known/agent-card.json). ## Tools - [Pet Insurance Cost Calculator](https://pawsured.com/tools/pet-insurance-cost-calculator/): monthly premium estimate by species, age, breed risk, and coverage settings. - [Reimbursement Calculator](https://pawsured.com/tools/pet-insurance-reimbursement-calculator/): what a policy pays back on a given vet bill. - [Cost by Breed](https://pawsured.com/tools/pet-insurance-cost-by-breed/): risk tier, price range, and common conditions for popular dog and cat breeds. ## How it works - [Accident-Only vs. Accident-and-Illness Pet Insurance](https://pawsured.com/articles/accident-only-vs-accident-and-illness-pet-insurance/): Accident-only is cheaper but covers injuries alone. Accident-and-illness adds illnesses like cancer and infections. Here's how to pick the right one. - [Can You Get Pet Insurance Before Surgery and Use It?](https://pawsured.com/articles/can-you-get-pet-insurance-before-surgery/): You can buy pet insurance before surgery, but that surgery won't be covered: the condition is pre-existing and the waiting period hasn't passed. New ones are. - [How Does Pet Insurance Work?](https://pawsured.com/articles/how-does-pet-insurance-work/): Pet insurance is reimbursement-based: you pay the vet, file a claim, and get paid back a percentage after your deductible. Here's the full process, step by step. - [How Long Does Pet Insurance Reimbursement Take?](https://pawsured.com/articles/how-long-does-pet-insurance-reimbursement-take/): Insurers' own figures run from most claims in 2 days (Healthy Paws) to over 90% in under 10 (Embrace). First claims and missing records add a week or more. - [How to File a Pet Insurance Claim, Step by Step](https://pawsured.com/articles/how-to-file-a-pet-insurance-claim/): To file a pet insurance claim, pay the vet, get an itemized invoice and medical records, and submit via the insurer's app. Most pay out in days to two weeks. - [How to Switch Pet Insurance Without Losing Coverage](https://pawsured.com/articles/how-to-switch-pet-insurance/): Switching pet insurance makes every condition on record pre-existing with the new insurer. When a switch still pays off, and how to overlap policies safely. - [Per-Condition vs Annual Limit in Pet Insurance: Which Is Better?](https://pawsured.com/articles/per-condition-vs-annual-limit-pet-insurance/): An annual limit resets yearly; a per-condition limit caps each diagnosis; a lifetime limit caps the policy forever. For chronic illness, annual usually wins. - [Pet Insurance Reimbursement Explained](https://pawsured.com/articles/pet-insurance-reimbursement-explained/): Reimbursement is the percentage your insurer pays back after the deductible. Learn how 70% vs 80% vs 90% changes your payout, and the benefit-schedule catch. - [Pet Insurance That Pays the Vet Directly: Who Offers It](https://pawsured.com/articles/pet-insurance-that-pays-the-vet-directly/): Trupanion, Pets Best, and Healthy Paws can pay the vet directly; the other five insurers we checked reimburse you. The deductible and your share stay yours. - [Pet Insurance Waiting Periods Explained](https://pawsured.com/articles/pet-insurance-waiting-period/): A waiting period is the gap between buying a policy and when coverage starts. Accidents often clear in days; illness and orthopedic issues can take weeks or months. - [Pet Insurance With No Waiting Period: What Actually Exists](https://pawsured.com/articles/pet-insurance-with-no-waiting-period/): No US insurer we checked sells illness cover with no waiting period. Accident cover starts at once at Lemonade and by law in four states; waivers cut the rest. - [What Is a Deductible in Pet Insurance?](https://pawsured.com/articles/what-is-a-deductible-in-pet-insurance/): A deductible is what you pay before reimbursement starts. Learn annual vs. per-condition deductibles and how they combine with reimbursement rates and limits. - [What Is an Annual Limit in Pet Insurance? (Explained)](https://pawsured.com/articles/what-is-an-annual-limit-in-pet-insurance/): An annual limit is the most pet insurance will reimburse in a policy year. See how $5,000, $10,000, and unlimited tiers change what you get back on big bills. - [Why Pet Insurance Claims Get Denied, and How to Appeal One](https://pawsured.com/articles/why-pet-insurance-claims-get-denied/): A pet insurance claim gets denied most often for a pre-existing condition in the records, treatment in the waiting period, an excluded charge, or missing files. ## Costs - [How Much Does Pet Insurance Cost for Two Dogs?](https://pawsured.com/articles/pet-insurance-cost-for-two-dogs/): Pet insurance cost for two dogs is two premiums, usually with 5-10% off the second. From the $70 average that's about $133 a month, before breed and age. - [How Much Does Pet Insurance Cost in 2026?](https://pawsured.com/articles/how-much-does-pet-insurance-cost/): Average pet insurance runs about $70/month for dogs and $36/month for cats (NAPHIA, 2025 data), but your price depends on breed, age, location, and the coverage settings you choose. - [How to Get Cheaper Pet Insurance (Without Gutting Coverage)](https://pawsured.com/articles/how-to-get-cheaper-pet-insurance/): Lower your pet insurance premium by adjusting the deductible, reimbursement rate, and limit, enrolling young, and stacking discounts, without leaving dangerous gaps. - [Is Pet Insurance Tax Deductible? Usually Not, With Exceptions](https://pawsured.com/articles/is-pet-insurance-tax-deductible/): Pet insurance isn't tax deductible for a personal pet; IRS Publication 502 doesn't list vet costs or pet insurance. Service animals are the exception it names. - [Is Pet Insurance Worth It?](https://pawsured.com/articles/is-pet-insurance-worth-it/): Pet insurance is worth it if a surprise multi-thousand-dollar vet bill would be hard to absorb. Here's an honest framework, with the math and the alternatives. - [Multi-Pet Insurance Discounts: How They Work](https://pawsured.com/articles/multi-pet-insurance-discount/): Most pet insurers offer 5-10% off for each additional pet on one account. Here's how multi-pet discounts work, and when separate policies still make sense. - [Pet Insurance Cost by Age: How Premiums Rise Over a Pet's Life](https://pawsured.com/articles/pet-insurance-cost-by-age/): Pet insurance cost rises with age: puppies and kittens are cheapest, premiums climb slowly to about age 7, then steeply. The typical curve, with examples. - [Pet Insurance Statistics (2026): Premiums, Claims, and How Many Pets Are Insured](https://pawsured.com/articles/pet-insurance-statistics/): The latest NAPHIA numbers in one place: $836 a year for dogs, $435 for cats, 7.6 million insured pets, 11.5% premium growth, and the conditions that drive claims. - [Pet Insurance vs a Savings Account: Which Is Better?](https://pawsured.com/articles/pet-insurance-vs-savings-account/): Pet insurance vs a savings account comes down to timing: a vet fund only protects you once it's big enough, while insurance covers from day one. The math. - [Pet Insurance vs Wellness Plan: What's the Difference?](https://pawsured.com/articles/pet-insurance-vs-wellness-plan/): Pet insurance reimburses unexpected accident and illness bills; a wellness plan prepays routine care. They solve different problems, and you can carry both. - [Pet Insurance With No Deductible: Where $0 Is an Option](https://pawsured.com/articles/pet-insurance-with-no-deductible/): Only Trupanion, of eight insurers we checked, offers a $0 deductible on accident and illness cover; the rest start at $100. ASPCA wellness add-ons have none. ## Coverage - [Can You Get Pet Insurance After a Diagnosis?](https://pawsured.com/articles/can-you-get-pet-insurance-after-diagnosis/): Yes, you can still buy pet insurance after a diagnosis, but that condition will be excluded as pre-existing. Here's what coverage you still get and why it can help. - [Does Pet Insurance Cover Allergies?](https://pawsured.com/articles/does-pet-insurance-cover-allergies/): Pet insurance covers allergy diagnosis and treatment if it isn't pre-existing. Since allergies are chronic, timing and chronic-condition coverage matter. Here's how. - [Does Pet Insurance Cover Apoquel and Cytopoint for Allergies?](https://pawsured.com/articles/does-pet-insurance-cover-apoquel-and-cytopoint/): Pet insurance covers Apoquel and Cytopoint as prescription medication for a covered allergy if the allergy wasn't pre-existing and the policy pays for drugs. - [Does Pet Insurance Cover Behavioral Issues and Anxiety?](https://pawsured.com/articles/does-pet-insurance-cover-behavioral-issues/): Some pet insurance covers behavioral issues like anxiety when a vet diagnoses them, but many policies cap or exclude it. Training is never covered. - [Does Pet Insurance Cover Bloat (GDV) Surgery for Dogs?](https://pawsured.com/articles/does-pet-insurance-cover-bloat-surgery/): Yes, pet insurance covers emergency bloat (GDV) surgery as illness treatment after the waiting period. Preventive gastropexy is usually excluded as elective. - [Does Pet Insurance Cover Blood Work and X-Rays?](https://pawsured.com/articles/does-pet-insurance-cover-blood-work-and-x-rays/): Yes, pet insurance covers blood work and X-rays when they diagnose a covered accident or illness. Routine screening tests are preventive and excluded. - [Does Pet Insurance Cover BOAS Surgery in Flat-Faced Dogs?](https://pawsured.com/articles/does-pet-insurance-cover-boas-surgery/): Yes, pet insurance covers BOAS surgery (nares and soft palate) as hereditary illness treatment, if the noisy breathing wasn't noted before enrollment. - [Does Pet Insurance Cover Cancer?](https://pawsured.com/articles/does-pet-insurance-cover-cancer/): Pet insurance covers cancer diagnosis and treatment, chemo, surgery, radiation, if it isn't pre-existing. Here's what's covered and why the annual limit matters most. - [Does Pet Insurance Cover Cataract Surgery for Dogs?](https://pawsured.com/articles/does-pet-insurance-cover-cataract-surgery/): Yes, pet insurance covers cataract surgery (phacoemulsification) as illness treatment if the cataract wasn't noted before enrollment, hereditary or diabetic. - [Does Pet Insurance Cover Cherry Eye Surgery in Dogs?](https://pawsured.com/articles/does-pet-insurance-cover-cherry-eye-surgery/): Yes, pet insurance covers cherry eye surgery as illness treatment if the prolapse wasn't noted before enrollment and congenital conditions are covered. - [Does Pet Insurance Cover Cruciate (ACL) Surgery?](https://pawsured.com/articles/does-pet-insurance-cover-cruciate-ligament-surgery/): Pet insurance covers cruciate ligament (ACL/CCL) surgery if it isn't pre-existing and the orthopedic waiting period has passed, but watch the bilateral clause. - [Does Pet Insurance Cover Dental?](https://pawsured.com/articles/does-pet-insurance-cover-dental/): Pet insurance usually covers dental injuries and some dental disease, but routine cleanings need a wellness add-on. Here is exactly what is and isn't covered. - [Does Pet Insurance Cover Diabetes in Dogs and Cats?](https://pawsured.com/articles/does-pet-insurance-cover-diabetes/): Pet insurance covers diabetes, including insulin and monitoring, if it isn't pre-existing. Diabetes is incurable, so timing and chronic coverage decide it. - [Does Pet Insurance Cover Ear Infections in Dogs?](https://pawsured.com/articles/does-pet-insurance-cover-ear-infections/): Pet insurance covers ear infections if they aren't pre-existing. Recurring infections are often tied to allergies and can be ruled chronic and excluded. - [Does Pet Insurance Cover Emergency Vet Visits?](https://pawsured.com/articles/does-pet-insurance-cover-emergency-vet-visits/): Yes, pet insurance covers emergency vet visits for accidents and illness at any ER, no network needed. Watch for excluded exam fees and know you pay first. - [Does Pet Insurance Cover Euthanasia and Cremation?](https://pawsured.com/articles/does-pet-insurance-cover-euthanasia/): Many pet insurance policies cover euthanasia when a vet recommends it for a covered condition. Cremation and burial are usually excluded or only via an add-on. - [Does Pet Insurance Cover FIP Treatment in Cats?](https://pawsured.com/articles/does-pet-insurance-cover-fip-treatment/): Pet insurance covers FIP treatment as an illness if the cat showed no signs before enrollment; the compounded GS-441524 drug falls under the medication clause. - [Does Pet Insurance Cover Foreign Body Surgery After Swallowing?](https://pawsured.com/articles/does-pet-insurance-cover-foreign-body-surgery/): Yes, pet insurance covers foreign body surgery as an accident claim, the fastest-starting cover: no wait at Lemonade, 2 days at Embrace, 14 at Spot. - [Does Pet Insurance Cover Heartworm Treatment and Prevention?](https://pawsured.com/articles/does-pet-insurance-cover-heartworm-treatment/): Pet insurance covers heartworm treatment as an illness if the infection is found after enrollment and the waiting period. Monthly prevention is wellness-only. - [Does Pet Insurance Cover Hernia Surgery in Dogs and Cats?](https://pawsured.com/articles/does-pet-insurance-cover-hernia-surgery/): Pet insurance covers hernia surgery if the hernia is congenital and the policy covers congenital conditions, or traumatic and claimed as an accident. - [Does Pet Insurance Cover Hip Dysplasia in Dogs?](https://pawsured.com/articles/does-pet-insurance-cover-hip-dysplasia/): Pet insurance covers hip dysplasia if it isn't pre-existing and the policy includes hereditary conditions. The orthopedic waiting period is the real catch. - [Does Pet Insurance Cover Hospitalization and Overnight Stays?](https://pawsured.com/articles/does-pet-insurance-cover-hospitalization/): Yes, pet insurance covers hospitalization, ICU, and overnight stays for a covered accident or illness. Boarding is excluded; the annual limit is the test. - [Does Pet Insurance Cover Kennel Cough Treatment?](https://pawsured.com/articles/does-pet-insurance-cover-kennel-cough/): Yes, pet insurance covers kennel cough as an illness after the waiting period if it isn't pre-existing. The Bordetella vaccine and boarding fees are excluded. - [Does Pet Insurance Cover Kidney Disease in Cats?](https://pawsured.com/articles/does-pet-insurance-cover-kidney-disease-in-cats/): Yes, pet insurance covers kidney disease in cats for life on policies that cover chronic conditions, if it isn't pre-existing. Renal diets vary. - [Does Pet Insurance Cover Librela for Dog Arthritis?](https://pawsured.com/articles/does-pet-insurance-cover-librela/): Pet insurance covers Librela as medication for a covered condition when the dog's osteoarthritis wasn't pre-existing and the policy includes prescriptions. - [Does Pet Insurance Cover Lipoma Removal in Dogs?](https://pawsured.com/articles/does-pet-insurance-cover-lipoma-removal/): Pet insurance covers lipoma removal when it's medically necessary and the lump wasn't noted before enrollment. Cosmetic removal is excluded. - [Does Pet Insurance Cover Liver Shunt Surgery in Dogs?](https://pawsured.com/articles/does-pet-insurance-cover-liver-shunt-surgery/): Pet insurance covers liver shunt surgery when the policy covers congenital conditions and the shunt wasn't suspected before enrollment. Timing decides it. - [Does Pet Insurance Cover Luxating Patella Surgery?](https://pawsured.com/articles/does-pet-insurance-cover-luxating-patella-surgery/): Yes, pet insurance covers luxating patella surgery if the knee wasn't noted before enrollment and the orthopedic waiting period, 14 days to 6 months, is over. - [Does Pet Insurance Cover Lyme Disease in Dogs?](https://pawsured.com/articles/does-pet-insurance-cover-lyme-disease/): Yes, pet insurance covers Lyme disease as an illness if it's diagnosed after enrollment and the waiting period. The vaccine and tick preventives are excluded. - [Does Pet Insurance Cover Microchipping Your Pet?](https://pawsured.com/articles/does-pet-insurance-cover-microchipping/): Mostly via wellness add-ons: microchipping is routine care and excluded from most core policies. Spot and ASPCA cover microchip implantation. - [Does Pet Insurance Cover MRI and CT Scans for Pets?](https://pawsured.com/articles/does-pet-insurance-cover-mri-and-ct-scans/): Yes, pet insurance covers MRI and CT scans as diagnostics for a covered accident or illness, anesthesia and specialist included, unless it's pre-existing. - [Does Pet Insurance Cover Physical Therapy and Rehab for Pets?](https://pawsured.com/articles/does-pet-insurance-cover-physical-therapy/): Pet insurance covers physical therapy at many insurers when a vet prescribes it for a covered injury or surgery. Maintenance therapy is excluded. - [Does Pet Insurance Cover Pre-Existing Conditions?](https://pawsured.com/articles/does-pet-insurance-cover-pre-existing-conditions/): Most pet insurers exclude pre-existing conditions, but the definition of curable vs. incurable matters a lot. Here is how it actually works and what to do. - [Does Pet Insurance Cover Pregnancy and C-Sections?](https://pawsured.com/articles/does-pet-insurance-cover-pregnancy/): Pet insurance doesn't cover pregnancy, breeding, whelping, or C-sections on nearly every policy. A few cover complications. What's excluded and what to ask. - [Does Pet Insurance Cover Prescription Pet Food?](https://pawsured.com/articles/does-pet-insurance-cover-prescription-food/): Pet insurance usually doesn't cover prescription food, or covers it only partly. Some policies pay for a limited period when it treats a covered condition. - [Does Pet Insurance Cover Skin Conditions in Dogs?](https://pawsured.com/articles/does-pet-insurance-cover-skin-conditions/): Pet insurance covers skin conditions like dermatitis, hot spots, infections, and mange if not pre-existing. Allergic skin disease is chronic, so act early. - [Does Pet Insurance Cover Spaying and Neutering?](https://pawsured.com/articles/does-pet-insurance-cover-spaying-and-neutering/): Standard pet insurance doesn't cover spaying or neutering, it's elective. Some wellness add-ons contribute. Here's what's covered and the one exception to know. - [Does Pet Insurance Cover Surgery?](https://pawsured.com/articles/does-pet-insurance-cover-surgery/): Pet insurance covers surgery for covered accidents and illnesses, but not elective or pre-existing procedures. Here's exactly which surgeries are and aren't covered. - [Does Pet Insurance Cover Vaccinations?](https://pawsured.com/articles/does-pet-insurance-cover-vaccinations/): Standard pet insurance doesn't cover vaccinations, they're preventive care. You only get them reimbursed with an optional wellness add-on. Here's how it works. - [What Does Pet Insurance Not Cover?](https://pawsured.com/articles/what-does-pet-insurance-not-cover/): Pet insurance excludes pre-existing conditions, routine/preventive care, cosmetic procedures, breeding, and more. Here's the full list of common exclusions. ## By breed - [Pet Insurance for Australian Shepherds: Genes, Drugs, and Coverage](https://pawsured.com/articles/pet-insurance-for-australian-shepherds/): Australian Shepherds face hip dysplasia, hereditary eye disease, epilepsy, and MDR1 drug sensitivity. What pet insurance costs for an Aussie and what to check. - [Pet Insurance for Beagles: What to Know](https://pawsured.com/articles/pet-insurance-for-beagles/): Beagles are generally hardy but prone to epilepsy, IVDD, ear infections, and obesity. Here's what pet insurance should cover and why to enroll early. - [Pet Insurance for Bengal Cats: Heart, Eyes, and a Lot of Jumping](https://pawsured.com/articles/pet-insurance-for-bengal-cats/): Bengals carry hereditary heart, eye, and blood disorders and injure themselves more than most cats. What pet insurance for Bengal cats should cover and costs. - [Pet Insurance for Bernese Mountain Dogs: Cancer Risk and the Right Limit](https://pawsured.com/articles/pet-insurance-for-bernese-mountain-dogs/): Bernese Mountain Dogs face a very high cancer rate, joint dysplasia, and bloat. What pet insurance for a Bernese costs and why the annual limit matters most. - [Pet Insurance for Border Collies: Is It Worth It for a Healthy, Hard-Working Breed?](https://pawsured.com/articles/pet-insurance-for-border-collies/): Border Collies are generally healthy, but hip dysplasia, eye disease, epilepsy, and injuries still happen. What pet insurance for the breed costs and covers. - [Pet Insurance for Boston Terriers: Eyes, Airway, and Knees](https://pawsured.com/articles/pet-insurance-for-boston-terriers/): Boston Terriers claim for corneal ulcers, cherry eye, airway surgery, and slipping kneecaps. What pet insurance for Boston Terriers costs and covers. - [Pet Insurance for Boxers: What to Know](https://pawsured.com/articles/pet-insurance-for-boxers/): Boxers are highly cancer-prone and carry heart risks, plus some brachycephalic breathing issues. Here's what insurance should cover and why to enroll young. - [Pet Insurance for British Shorthairs: Heart, Kidneys, and Weight](https://pawsured.com/articles/pet-insurance-for-british-shorthairs/): British Shorthairs face hypertrophic cardiomyopathy, polycystic kidney disease, obesity, and dental disease. What pet insurance for British Shorthairs covers. - [Pet Insurance for Cane Corsos: Giant-Breed Bills and Big Joints](https://pawsured.com/articles/pet-insurance-for-cane-corsos/): Cane Corsos face hip and elbow dysplasia, bloat, epilepsy, eyelid surgery, and giant-breed vet bills. What pet insurance for Cane Corsos costs and covers. - [Pet Insurance for Cats: Is It Worth It?](https://pawsured.com/articles/pet-insurance-for-cats/): Cat insurance is cheaper than dog insurance (about $36/month on average) and covers common feline issues like kidney disease, dental, and urinary problems. - [Pet Insurance for Cavalier King Charles Spaniels: Heart Risk and Premiums](https://pawsured.com/articles/pet-insurance-for-cavalier-king-charles-spaniels/): Cavaliers face mitral valve disease, syringomyelia, and luxating patellas. What pet insurance costs for the breed and which policy terms actually matter. - [Pet Insurance for Chihuahuas: What to Know](https://pawsured.com/articles/pet-insurance-for-chihuahuas/): Chihuahuas are prone to patellar luxation, dental disease, heart conditions, and collapsing trachea. Here's what pet insurance should cover for the breed. - [Pet Insurance for Cocker Spaniels: Ears, Eyes, and the Chronic Claims Problem](https://pawsured.com/articles/pet-insurance-for-cocker-spaniels/): Cocker Spaniels are prone to chronic ear infections, hereditary eye disease, and skin allergies. What pet insurance for a Cocker Spaniel costs and covers. - [Pet Insurance for Corgis: Back Problems, Hips, and What It Costs](https://pawsured.com/articles/pet-insurance-for-corgis/): Pembroke Welsh Corgis are prone to IVDD, hip dysplasia, degenerative myelopathy, and obesity. What pet insurance costs for a Corgi and the coverage it needs. - [Pet Insurance for Dachshunds: What to Know](https://pawsured.com/articles/pet-insurance-for-dachshunds/): Dachshunds are highly prone to IVDD (back problems), which can cost thousands to treat. Here's what insurance should cover and why enrolling early is critical. - [Pet Insurance for Dobermans: Covering the Heart and the Neck](https://pawsured.com/articles/pet-insurance-for-dobermans/): Dobermans carry dilated cardiomyopathy, von Willebrand disease, wobbler syndrome, and bloat risk. What pet insurance for Dobermans costs and covers. - [Pet Insurance for Dogs Over 10: Who Still Writes a New Policy](https://pawsured.com/articles/pet-insurance-for-dogs-over-10/): Yes, you can insure a 10, 11, 12, or 13 year old dog: most insurers we checked set no cutoff or stop at 14. Pet insurance for dogs over 10, rule by rule. - [Pet Insurance for Domestic Shorthair Cats: Priced by Age](https://pawsured.com/articles/pet-insurance-for-domestic-shorthair-cats/): A domestic shorthair has no breed to price, so age and ZIP code set the premium. What pet insurance for domestic shorthair cats costs and should cover. - [Pet Insurance for English Bulldogs: What to Know](https://pawsured.com/articles/pet-insurance-for-english-bulldogs/): English Bulldogs are among the highest-claim breeds: breathing, skin, hip, and eye problems. Here's what insurance should cover and why enrolling early is essential. - [Pet Insurance for French Bulldogs: What to Know](https://pawsured.com/articles/pet-insurance-for-french-bulldogs/): French Bulldogs are prone to breathing, spine, and skin problems, making insurance valuable but pricier. Here's what to look for and why enrolling early matters. - [Pet Insurance for German Shepherds: What to Know](https://pawsured.com/articles/pet-insurance-for-german-shepherds/): German Shepherds are prone to hip and elbow dysplasia, degenerative myelopathy, bloat, and EPI. Here's what insurance should cover and why early enrollment is key. - [Pet Insurance for Golden Retrievers: What to Know](https://pawsured.com/articles/pet-insurance-for-golden-retrievers/): Golden Retrievers have one of the highest cancer rates of any breed, plus joint and skin problems. Here's what insurance should cover and why to enroll young. - [Pet Insurance for Great Danes: What to Know](https://pawsured.com/articles/pet-insurance-for-great-danes/): Great Danes face bloat, hip dysplasia, heart disease, and bone cancer, big-breed risks with big bills. Here's what insurance should cover and why to enroll young. - [Pet Insurance for Great Pyrenees: Hips, Bloat, and Bone Cancer](https://pawsured.com/articles/pet-insurance-for-great-pyrenees/): Great Pyrenees carry hip dysplasia, bloat, osteosarcoma, and Addison's disease on a giant frame. What pet insurance for Great Pyrenees costs and covers. - [Pet Insurance for Havanese: Knees, Cataracts, and a Murmur](https://pawsured.com/articles/pet-insurance-for-havanese/): Havanese are prone to patellar luxation, hereditary cataracts, chondrodysplasia, and heart murmurs. What pet insurance for Havanese covers and roughly costs. - [Pet Insurance for Labrador Retrievers: What to Know](https://pawsured.com/articles/pet-insurance-for-labrador-retrievers/): Labradors are prone to hip and elbow dysplasia, obesity-related issues, and ear infections. Here's what pet insurance should cover for the breed. - [Pet Insurance for Maine Coons: Covering the Heart Problem](https://pawsured.com/articles/pet-insurance-for-maine-coons/): Maine Coons carry a hereditary risk of hypertrophic cardiomyopathy, plus hip dysplasia. What pet insurance for a Maine Coon costs and what it needs to cover. - [Pet Insurance for Maltese: Is It Worth It?](https://pawsured.com/articles/pet-insurance-for-maltese/): Maltese are prone to dental disease, luxating patellas, collapsing trachea, and liver shunts. What pet insurance costs for the breed and whether it pays off. - [Pet Insurance for Miniature Schnauzers: Pancreas, Stones, Sugar](https://pawsured.com/articles/pet-insurance-for-miniature-schnauzers/): Miniature Schnauzers get pancreatitis, hyperlipidemia, calcium oxalate stones, diabetes, and dental disease. What pet insurance for Miniature Schnauzers covers. - [Pet Insurance for Mixed Breed Dogs: Priced by Size, Not Pedigree](https://pawsured.com/articles/pet-insurance-for-mixed-breed-dogs/): Mixed breed dogs are quoted by weight class, age, and ZIP code, not breed risk, so they're often cheaper to insure. Pet insurance for mixed breed dogs, priced. - [Pet Insurance for Older Dogs: Is It Still Worth It?](https://pawsured.com/articles/pet-insurance-for-older-dogs/): You can insure a senior dog, but premiums are higher and pre-existing conditions are excluded. Here's how to decide whether it's still worth buying. - [Pet Insurance for Persian Cats: Costs and Conditions](https://pawsured.com/articles/pet-insurance-for-persian-cats/): Persian cats are prone to polycystic kidney disease, flat-face breathing and eye problems, and dental issues. What pet insurance for a Persian costs and covers. - [Pet Insurance for Pit Bulls: No Breed Bans, Just Breed Pricing](https://pawsured.com/articles/pet-insurance-for-pit-bulls/): Pet health insurance has no breed bans the way homeowners cover does; the pages we checked list no breed exclusions. Pet insurance for pit bulls, explained. - [Pet Insurance for Pomeranians: What a Good Policy Covers](https://pawsured.com/articles/pet-insurance-for-pomeranians/): Pomeranians are prone to collapsing trachea, luxating patellas, dental disease, and alopecia X. What pet insurance costs for a Pom and what it needs to cover. - [Pet Insurance for Poodles: What to Know](https://pawsured.com/articles/pet-insurance-for-poodles/): Poodles are prone to Addison's disease, hip dysplasia, eye conditions, and patellar luxation, and risks vary by size. Here's what insurance should cover. - [Pet Insurance for Pugs: What to Know](https://pawsured.com/articles/pet-insurance-for-pugs/): Pugs are flat-faced and prone to breathing problems, eye injuries, and skin fold infections. Here's what pet insurance should cover and why to enroll early. - [Pet Insurance for Ragdolls: A Healthy Breed With One Expensive Exception](https://pawsured.com/articles/pet-insurance-for-ragdolls/): Ragdolls are mostly healthy, but hereditary hypertrophic cardiomyopathy, urinary disease, and dental problems still cost. What Ragdoll pet insurance covers. - [Pet Insurance for Rescue Dogs: Unknown History, Clean Start](https://pawsured.com/articles/pet-insurance-for-rescue-dogs/): Pet insurance for rescue dogs works like any policy: insurers read the last 12 months of records, and a dog with none starts from its first exam. How to enroll. - [Pet Insurance for Rottweilers: What to Know](https://pawsured.com/articles/pet-insurance-for-rottweilers/): Rottweilers are prone to joint disease, cruciate tears, bone cancer, and heart conditions. Here's what insurance should cover and why to enroll young. - [Pet Insurance for Scottish Folds: The Cartilage Question](https://pawsured.com/articles/pet-insurance-for-scottish-folds/): Scottish Folds all carry osteochondrodysplasia, a cartilage disorder that can cause lifelong arthritis. What pet insurance for Scottish Folds covers. - [Pet Insurance for Senior Cats (Over 10): Who Still Enrolls Them](https://pawsured.com/articles/pet-insurance-for-senior-cats/): Most insurers still enroll a cat over 10; Trupanion and Embrace stop new accident-and-illness cover at 14. Pet insurance for senior cats, insurer by insurer. - [Pet Insurance for Shih Tzus: Costs, Conditions, and Fine Print](https://pawsured.com/articles/pet-insurance-for-shih-tzus/): Shih Tzus deal with breathing trouble, eye injuries, dental disease, and back problems. What pet insurance costs for the breed and the clauses worth reading. - [Pet Insurance for Siamese Cats: Teeth, Lungs, and Eyes](https://pawsured.com/articles/pet-insurance-for-siamese-cats/): Siamese cats are prone to dental disease, asthma, amyloidosis, retinal atrophy, and mediastinal lymphoma. What pet insurance for Siamese cats covers and costs. - [Pet Insurance for Siberian Huskies: A Hardy Breed, Insured Sensibly](https://pawsured.com/articles/pet-insurance-for-siberian-huskies/): Siberian Huskies are hardy but prone to hip dysplasia, hereditary eye disease, and hypothyroidism. What pet insurance costs for a Husky and what to prioritize. - [Pet Insurance for Sphynx Cats: Heart, Skin, and Gums](https://pawsured.com/articles/pet-insurance-for-sphynx-cats/): Sphynx cats carry hypertrophic cardiomyopathy plus skin and dental problems tied to hairlessness. What pet insurance for Sphynx cats covers and roughly costs. - [Pet Insurance for Yorkshire Terriers: What to Know](https://pawsured.com/articles/pet-insurance-for-yorkshire-terriers/): Yorkies are prone to patellar luxation, collapsing trachea, dental disease, and liver shunts. Here's what pet insurance should cover for the breed. ## By state - [Pet Insurance in California: Costs and the 2025 Law](https://pawsured.com/articles/pet-insurance-in-california/): Pet insurance in California costs more than the US average of $836 a year for dogs and $435 for cats, and since 2025 state law caps waiting periods at 30 days. - [Pet Insurance in Florida: What the 2026 Rules Change](https://pawsured.com/articles/pet-insurance-in-florida/): Pet insurance in Florida runs above the US average of $836 a year for dogs and $435 for cats, and since 2026 state law caps waiting periods at 30 days. - [Pet Insurance in Georgia: Costs and Why There Is No State Law](https://pawsured.com/articles/pet-insurance-in-georgia/): Pet insurance in Georgia costs less than the US average of $836 a year for dogs and $435 for cats. No Georgia statute exists, so the policy form sets the rules. - [Pet Insurance in Illinois: Above-Average Costs and No Law Yet](https://pawsured.com/articles/pet-insurance-in-illinois/): Pet insurance in Illinois costs more than the US average of $836 a year for dogs and $435 for cats, and Illinois still has no pet insurance statute as of 2026. - [Pet Insurance in Michigan: Costs, Coverage, and the Law Gap](https://pawsured.com/articles/pet-insurance-in-michigan/): Pet insurance in Michigan costs less than the US average of $836 a year for dogs and $435 for cats, but no Michigan law caps waiting periods or exclusions. - [Pet Insurance in New York: Costs After the Vetoed Bill](https://pawsured.com/articles/pet-insurance-in-new-york/): Pet insurance in New York costs more than the US average of $836 a year for dogs and $435 for cats, and after a 2025 veto there's no state pet insurance law. - [Pet Insurance in North Carolina: Costs, Risks, and Your Rights](https://pawsured.com/articles/pet-insurance-in-north-carolina/): Pet insurance in North Carolina costs a little less than the US average of $836 a year for dogs and $435 for cats, and no NC statute caps waiting periods. - [Pet Insurance in Ohio: What the 2025 Law Guarantees You](https://pawsured.com/articles/pet-insurance-in-ohio/): Pet insurance in Ohio costs less than the US average of $836 a year for dogs and $435 for cats, and a 2025 state law caps illness waiting periods at 30 days. - [Pet Insurance in Pennsylvania: Costs Under Act 19 of 2024](https://pawsured.com/articles/pet-insurance-in-pennsylvania/): Pet insurance in Pennsylvania runs slightly above the US average of $836 a year for dogs and $435 for cats, and Act 19 of 2024 caps illness waits at 30 days. - [Pet Insurance in Texas: Costs and Why There Is No State Law](https://pawsured.com/articles/pet-insurance-in-texas/): Pet insurance in Texas costs less than the US average of $836 a year for dogs and $435 for cats. Texas has no pet insurance statute; it's inland marine cover. ## By insurer - [ASPCA Pet Insurance Review (2026): 14-Day Waits, 180-Day Curable Rule](https://pawsured.com/articles/aspca-pet-insurance-review/): ASPCA pet insurance has a flat 14-day waiting period, exam fees and behavioral care in the base plan, a $100 to $500 deductible, and a 180-day curable rule. - [ASPCA Pet Insurance Waiting Period: 14 Days Across the Board](https://pawsured.com/articles/aspca-pet-insurance-waiting-period/): ASPCA pet insurance's waiting period is 14 days for accidents, illnesses, and ligament and knee conditions; preventive add-on has no wait, no waiver published. - [ASPCA vs Spot Pet Insurance (2026): Same Policy Core, Four Differences](https://pawsured.com/articles/aspca-vs-spot-pet-insurance/): ASPCA vs Spot pet insurance: both wait 14 days, use a 180-day curable rule, and include exam fees. They differ on deductible ceiling, limit menu, and discounts. - [Costco Pet Insurance: A Figo Policy With a 15% Member Discount](https://pawsured.com/articles/costco-pet-insurance/): Costco pet insurance is Figo's policy, underwritten by Independence American Insurance Company, with 15% off for Gold Star and Business members on new policies. - [Embrace Pet Insurance Review (2026): The Orthopedic Wait and the Rest](https://pawsured.com/articles/embrace-pet-insurance-review/): Embrace pet insurance waits 2 days for accidents, 14 for illness, and 180 for dog orthopedic issues unless a vet exam cuts it; dental illness capped at $1,000. - [Embrace Pet Insurance Waiting Period: 2 Days to 6 Months](https://pawsured.com/articles/embrace-pet-insurance-waiting-period/): Embrace pet insurance's waiting period is 2 days for accidents, 14 days for illnesses, and 6 months for dog orthopedic conditions, cut to 14 days by a vet exam. - [Figo Pet Insurance Review (2026): 100% Tier and the Payout Order](https://pawsured.com/articles/figo-pet-insurance-review/): Figo pet insurance review: three plans up to unlimited, 70% to 100% reimbursement, a 1-day accident wait (5 in California), and a co-pay-first payout order. - [Figo Pet Insurance Waiting Period: 1 Day, 14 Days, 6 Months](https://pawsured.com/articles/figo-pet-insurance-waiting-period/): Figo pet insurance's waiting period is 1 day for accidents, 14 days for illnesses, and 6 months for orthopedic conditions, app waiver; California says 5 days. - [GEICO Pet Insurance Is Embrace, Sold Through GEICO's Agency](https://pawsured.com/articles/geico-pet-insurance/): GEICO pet insurance is an Embrace policy sold by the GEICO Insurance Agency: Embrace's terms, a 10% multi-pet discount, and a deductible that falls $50 a year. - [Healthy Paws Pet Insurance Review (2026): What the Policy Says](https://pawsured.com/articles/healthy-paws-pet-insurance-review/): Healthy Paws offers one accident-and-illness plan with a $5,000, $7,000, or unlimited annual limit fixed at enrollment and a 15-day waiting period. - [Healthy Paws vs Embrace Pet Insurance (2026): The Terms Compared](https://pawsured.com/articles/healthy-paws-vs-embrace-pet-insurance/): Healthy Paws vs Embrace pet insurance turns on orthopedic waits, a limit fixed at enrollment against a changeable annual maximum, and an exam fee add-on. - [Healthy Paws Waiting Period (2026): 15 Days, Two Versions](https://pawsured.com/articles/healthy-paws-waiting-period/): Healthy Paws's waiting period is 15 days for accidents and illnesses, 12 months for hip dysplasia; model-act states get no accident wait and a waivable 15 days. - [Lemonade Pet Insurance Review (2026): Waiting Periods and Add-Ons](https://pawsured.com/articles/lemonade-pet-insurance-review/): Lemonade pet insurance has no accident waiting period and a 14-day illness wait, but the base policy excludes exam fees unless you buy the vet visit add-on. - [Lemonade Pet Insurance Waiting Period: 0, 14, and 30 Days](https://pawsured.com/articles/lemonade-pet-insurance-waiting-period/): Lemonade pet insurance has no waiting period for accidents, 14 days for illnesses, and 30 days for orthopedic conditions; no waiver is published, terms vary. - [Pets Best Pet Insurance Review (2026): Waits and Vet Direct Pay](https://pawsured.com/articles/pets-best-pet-insurance-review/): Pets Best pet insurance review: $100 to $1,000 deductible, 70 to 90% reimbursement, exam fees on most plans, Vet Direct Pay, and a form-dependent cruciate wait. - [Pets Best vs Figo Pet Insurance (2026): Payout Order, Waits, Exam Fees](https://pawsured.com/articles/pets-best-vs-figo-pet-insurance/): Pets Best vs Figo pet insurance: Pets Best deducts first and includes exam fees; Figo applies the co-pay first, sells exam fees as a Powerup, and pays to 100%. - [Pets Best Waiting Period Explained: 3 Days, 14 Days, 6 Months](https://pawsured.com/articles/pets-best-waiting-period/): Pets Best's waiting period is 3 days for injuries, 14 days for illnesses, and 6 months for cruciate events on its standard form; a vet exam can waive it. - [Progressive Pet Insurance: Two Products, Which One Is Yours?](https://pawsured.com/articles/progressive-pet-insurance/): Progressive pet insurance is one of two products: a Progressive-branded policy run by Companion Protect, or a referral to Pets Best. Check which your quote is. - [Spot Pet Insurance Review (2026): Seven Annual Limits, One 14-Day Wait](https://pawsured.com/articles/spot-pet-insurance-review/): Spot pet insurance has one 14-day waiting period, seven annual limits from $2,500 to unlimited, deductibles of $100 to $1,000, and exam fees in the base policy. - [Spot Pet Insurance Waiting Period: One 14-Day Wait for Everything](https://pawsured.com/articles/spot-pet-insurance-waiting-period/): Spot pet insurance's waiting period is 14 days for accidents, illnesses, and ligament and knee conditions; preventive add-on starts the next day, no waiver. - [State Farm Pet Insurance Is Trupanion: Terms, Claims, Caveats](https://pawsured.com/articles/state-farm-pet-insurance/): State Farm pet insurance is Trupanion's policy quoted via State Farm agents: 90% reimbursement, a lifetime per-condition deductible, no caps, no exam fees. - [Trupanion Pet Insurance Review (2026): Terms and Who It Suits](https://pawsured.com/articles/trupanion-pet-insurance-review/): Trupanion sells one 90% plan with a lifetime per-condition deductible and no payout caps, but excludes exam fees. A terms-based Trupanion pet insurance review. - [Trupanion vs Lemonade Pet Insurance (2026): Terms Side by Side](https://pawsured.com/articles/trupanion-vs-lemonade-pet-insurance/): Trupanion vs Lemonade pet insurance comes down to a lifetime per-condition deductible with no caps against an annual deductible with a chosen limit and add-ons. - [Trupanion Waiting Period (2026): 5 Days, 30 Days, or 12 Days](https://pawsured.com/articles/trupanion-waiting-period/): Trupanion's waiting period is 5 days for injuries and 30 days for illnesses in most states, no separate orthopedic wait; a single 12-day period is announced. - [USAA Pet Insurance Is an Embrace Policy With a Member Discount](https://pawsured.com/articles/usaa-pet-insurance/): USAA pet insurance is an Embrace policy sold by the USAA Insurance Agency, with up to 15% off plus 10% more for military members, service dogs, or several pets. ## About - [About and editorial standards](https://pawsured.com/about/) - [Disclaimer](https://pawsured.com/disclaimer/) - [Contact](https://pawsured.com/contact/)