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Pet Insurance
Comparison Chart

Compare pet insurance

Shopping around for the best pet insurance? It’s a smart choice to research the right coverage for your budget and needs. Use this handy comparison chart to see how Physicians Mutual pet insurance compares to others.

	Physicians Mutual Pet	Trupanion	Healthy Paws	Fetch	ASPCA	Spot	Pet's Best	Lemonade	Embrace
100% Reimbursement Available	Yes	No	No	No	No	No	No	No	No
$0 Deductible Available	Yes	Yes	No	No	No	No	No	No	No
Unlimited Annual Limit Available	Yes	Yes	Yes	No	Yes	Yes	Yes	No	No
Diminishing Deductible	Yes	No	No	No	No	No	No	No	Yes
1-Day Accident Waiting Period***	Yes	No	No	No	No	No	No	No	No
6-Month Orthopedic Waiting Period for Dogs****	Yes	Yes	No	No	Yes	No	Yes	Yes	Yes
Alternative and Rehab in All Plans	Yes	No	Yes	Yes	Yes	Yes	No	No	Yes
Wide Range of Reimbursement Levels	Yes	No	No	No	No	Yes	No	No	No
Co-pays Waived for Life-Threatening Injury	Yes	No	No	No	No	No	No	No	No

Coverage comparison based on data from February 2023.

*The Diminishing Deductible does not apply in NY.

**Waiting periods may vary by state. Please review your policy for your state specific guidelines.

***Accident and Injuries zero day waiting period in FL, HI, LA, ME, MD, MS, MT, NH, OH, PA, and VT

**** Orthopedi-Related Conditions (Dog) waiting period 30 days in CA, DE, FL, HI, LA, ME, MD, MS, MT, NE, NH, ND, OH, PA, and VT

or call us at 1-800-228-91001-800-228-9100 for answers to your questions

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Pet Insurance Comparison Chart

Pet Insurance Comparison Chart

Compare pet insurance

Get one step closer to protecting your pet. a.pm-button:not([href]), a.pm-button:not([href]):hover {color: #333;}

Pet Insurance
Comparison Chart

Pet Insurance
Comparison Chart

Get one step closer to protecting your pet.