Updated November 9, 2026

Find the right pet insurance, without the guesswork

Compare 8 top insurers side by side: when cover starts, what's excluded, and what real customers say. Then match a plan to your pet in three quick questions.

Find the right plan for your pet

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I have adog

I have acat

A woman hugging her golden retriever while a cat naps beside them

Accidents covered within a day

With 4 of the 8 insurers we compare

Knee & hip: up to a 6-month wait

The detail most owners miss

top pet insurers compared side by side

places where an insurer's pages disagree with its policy, or with each other

policies that make accidents wait 14 days (ASPCA Pet Health Insurance, Pumpkin Pet Insurance and Spot Pet Insurance)

The fine print

Where the website and the policy say different things

A direct quote from the insurer's website, a direct quote from its policy, and why the difference matters for your claim.

Fetch Pet Insurance

Knee & hip (orthopedic) wait

The website says

“There's also a 6-month waiting period before orthopedic conditions can be covered.”

Fetch Pet Insurance website

The policy says

“Orthopedic conditions that occur during the first one hundred eighty (180) days after the original inception date are excluded and are pre-existing conditions for the life of the policy.”

Policy, page 11

Why it matters: Marketing calls it a '6-month waiting period'; the policy makes any orthopedic condition that starts in the first 180 days a lifetime exclusion. Fetch pages also disagree on the knee-exam deadline: /faqs/waiting-period says within 180 days, /coverage and /faqs/pet-insurance-effective-date say the first 30 days (policy: 180 days).

MetLife Pet Insurance

Pre-existing conditions

The website says

“Curable pre-existing conditions — like ear infections, vomiting, or broken bones — can typically be covered by MetLife Pet as long as the incident that occurred after enrollment is unrelated”

MetLife Pet Insurance website

The policy says

“We don't cover any charges incurred for a Pre-Existing Condition.”

Policy, page 7

Why it matters: MetLife's FAQ says curable pre-existing conditions can 'typically' be covered, with no symptom-free period; the sample policy has no cured-condition clause. A human must confirm the current form.

Fetch Pet Insurance

Accident waiting period

The website says

“Any accident, injury or illness that occurs during the waiting period will be considered a pre-existing condition”

Fetch Pet Insurance website

The policy says

“Accidents or injuries resulting from an unexpected event do not have a waiting period.”

Policy, page 6

Why it matters: Fetch's /faqs/waiting-period says any accident during the waiting period is pre-existing, which contradicts both the policy and Fetch's own pre-existing-conditions guide ('There is no waiting period for accidents').

We start from the contract

Waiting periods, exclusions and the cured-condition rule, read from the policy itself. That's where claims are decided.

Every fact has a source

The document, the page, the exact words and the day we downloaded it. Tap any source to check it yourself.

We say who pays us

No insurer pays us today. When one does, it goes on a public list, and it won't change what we show.