CostByBreedDog claims are dominated by joints, skin, ears, and emergencies. The insurers below are the ones whose own documented terms speak to those claims.
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| Insurer | Accident wait | Illness wait | Exam fees | Dental illness | Quotes |
|---|---|---|---|---|---|
| Embrace | 2 days in the V5 sample policy. Note: Embrace's current waiting-period page says accident coverage starts on the policy effective date, with no extra waiting period, which conflicts with the V5 policy wording. | 14 days | Offered as an option in current Embrace marketing, not described as standard on every policy. Embrace's own homepage says it offers the option to get vet exam fees reimbursed, up to $100 to $200 per visit. The V5 policy benefits list does include Physical Examination among reimbursable treatments. | Covered to a $1,000 annual maximum sub-limit per policy year in the V5 policy, for dental illness treatment except dental prophylaxis. Embrace's homepage states the same $1,000 per policy year limit for dental illnesses, while dental accidents are covered under the policy limit. | Quote options |
| Fetch (Fetch by The Dodo) | Up to 15 days in Fetch's general pages, which say there is a waiting period of up to 15 days before any condition is covered. Note: Fetch's own Pumpkin comparison says Fetch does not have a waiting period for accidents in any state, which conflicts with the general wording. | 15 days (described as up to 15 days, and as a 15-day illness waiting period in Fetch state pages) | Covered. Fetch lists sick-exam fees and sick-visit exam fees as covered in its standard plan. | Covered. Fetch says it covers injury and illness in every adult tooth and the gums, including periodontal disease, and its Geico comparison says dental illness is covered with no cap, up to the maximum annual payout. | Quote options |
| Lemonade | 0 days in Lemonade's current waiting-period guide, which says there is no accident waiting period and accident coverage is available the day the policy goes into effect, at 12:01 AM the day after purchase. Note: Lemonade's main pet page FAQ and its older sample policy say 2 days for accidents, which conflicts with the current guide. | 14 days | Not covered in the base policy. Vet visit fees are an optional add-on that covers fees when visiting the vet for eligible accidents or illnesses. | Not covered in the base policy. The sample policy lists any dental illness under conditions not covered, and Lemonade sells dental illness as an optional add-on covering treatments for dental illnesses such as gum disease and tooth extractions. Dental injury and accident costs are covered in the base policy. | Quote options |
| Healthy Paws | 15 days in Healthy Paws' general descriptions, described on one page as a 15 to 30 day waiting period depending on the state. Note: the 2026 state insurer disclosures checked say there is no waiting period for illness, injury or orthopedic conditions resulting from an accident, and 15 days for illness or injury not resulting from an accident. | 15 days from the pet policy effective date for illness or injury not resulting from an accident, in the state disclosures checked. Healthy Paws' general pre-existing page describes the waiting period as 15 to 30 days depending on the state. | Not covered. Healthy Paws' coverage page and its state pages state examination fees are not covered, and its North Carolina page lists exam fees among what the plan does not include. | Not covered as dental illness. Healthy Paws' coverage page excludes dental healthcare and periodontal disease claims, but says when teeth are injured due to an accident the plan covers extraction and/or reconstruction of damaged teeth. Its dental page says eligible dental accidents and illnesses are covered up to the chosen annual limit with no separate dental sub-limit, but does not cover the vet exam fee for dental treatment, which conflicts in wording with the periodontal exclusion and is flagged in the notes. | Read the review |
| Trupanion | 5 days for injuries | 30 days for illnesses | Not covered. Trupanion's what-is-not-covered page lists exam fees and taxes as not included in the plan. | Covered. Trupanion's puppy page lists dental coverage including tooth extractions, abscesses, fractures and gum disease. Its not-covered page says preventable dental problems that arise from missed routine cleanings are excluded. | Quote options |
| Spot | 14 days | 14 days | Covered. Spot's own pages and welcome materials list vet exam fees among covered expenses for accidents and illnesses. | Covered. Spot lists dental illnesses among covered illnesses on its own pages. The sample policy covers tooth extractions, and excludes aesthetic, cosmetic, endodontic or orthodontic dental services such as caps, crowns, fillings, implants and root canals, and excludes dental cleanings unless used to treat a covered illness or covered by an endorsement. | Read the review |
| Pumpkin | 14 days in most states. Pumpkin's FAQ says coverage starts 14 days after the policy effective date, which is the day after purchase, and other Pumpkin pages say 14 days or less depending on the state. | 14 days in most states, described as 14 days or less depending on the state, the same period as for accidents. | Covered. Pumpkin says its plans cover in-clinic and virtual vet exam fees for accidents and illnesses, with no extra add-on fee, and cover the exams used to diagnose or treat dental illnesses. | Covered, including periodontal disease (gum disease), along with exams, X-rays, treatment, surgery and prescription medication used to diagnose or treat dental illnesses, and tooth extractions for dental injuries. Annual dental cleanings are not covered under the insurance plan. | Read the review |
Terms captured October 27, 2026 from each insurer's own published documents. Waiting periods are the days a condition must wait after the policy starts before it is covered. "Not published" means the documents we captured do not state the point plainly.
Every insurer, checked the same way
Embrace: Covered. Embrace says it covers congenital and hereditary conditions, including genetic and breed specific conditions, provided they are not pre-existing when the policy begins. Illness coverage in the V5 policy lists genetic conditions.
Fetch (Fetch by The Dodo): Covered. Fetch lists breed-specific, hereditary and congenital conditions as covered in its standard plan, including hip dysplasia, with no breed restrictions stated in the coverage pages checked.
Lemonade: Covered if not pre-existing. Lemonade's comparison and medication pages say hereditary and congenital conditions are covered as long as they are not a pre-existing condition. The sample policy excludes hereditary, congenital and bilateral conditions where clinical signs were present before the original start date or before the end of a waiting period.
Healthy Paws: Covered. Healthy Paws' plan page says hereditary and congenital conditions are eligible for coverage so long as signs and symptoms first manifest after enrolling and after any applicable waiting periods, with no restrictions stated on that page. Hip dysplasia is an exception in practice: Healthy Paws' comparison footnote says it includes coverage for hip dysplasia when you enroll your pet before the age of six.
Trupanion: Covered. Trupanion's puppy and coverage pages list hereditary and congenital conditions, including breed-specific conditions such as hip dysplasia, as covered like any other illness, if not pre-existing.
Spot: Covered. Spot's own pages list congenital and hereditary conditions among covered illnesses, and its welcome materials list hereditary conditions as covered, provided they are not pre-existing.
Pumpkin: Covered as a basic benefit, with no extra charge. Pumpkin's comparison pages say hereditary, congenital and chronic conditions, from hip dysplasia and heart defects to arthritis and diabetes, are a basic benefit of any Pumpkin plan.
Not sure where to start? The estimator walks through the averages, the conditions, and a worked claim for your own pet.