How to Compare Pet Insurance Plans: Checklist

Compare	Why it matters
Reimbursement rate	The share of each covered bill you get back
Deductible	What you pay before coverage starts, and whether it is annual or per condition
Annual limit	The most the plan pays each year; low limits can run out fast in NYC
Waiting periods	How long until accidents, illnesses and orthopedic conditions are covered
Exam fees	Whether the vet’s exam fee is reimbursed, not just treatment
Hereditary and chronic conditions	Whether breed-related and ongoing conditions are covered
Exclusions	What is never covered, including pre-existing conditions
Price increases with age	How premiums change as your pet gets older
Claims process	How you file, how fast you are paid, and whether direct vet payment exists

Side-by-side plan comparisons

Personal plan comparisons for New Yorkers are coming once Peturance is licensed. Until then, use this checklist when reading any policy.