FurVerdict

The exclusions and fine print before you sign a pet policy

We list the exclusions and waiting periods for the 17 US providers we track and estimate what a policy costs by state and breed. New to the terms? Start with the glossary.

Facing a bill right now, or already had a diagnosis? Options when you can't afford the vet bill · Is it too late to get covered?

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By State
Vet costs and the insurers writing policies vary by where you live. We note the state rules that quietly change what a policy pays out.
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By Breed
See the cost range for the conditions your breed is prone to. We flag which providers cover them and which bury a waiting-period exception.
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Coverage
A deductible or a 14-day waiting period can decide whether a claim gets paid. We read the clauses that trigger a denial.
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Guides
Plain explainers of how pet insurance works, what it costs, and when it is worth buying, with the math shown.
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Vet Bills
Take a $6,000 cruciate surgery. We price the bill by procedure, then show what a policy at a $500 deductible would have paid back.
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Tools
A calculator that takes a real vet bill, say a $2,400 ER visit, and estimates what your policy would reimburse after the deductible.
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News
How pet insurance prices are moving across the US market. We stick to the cost numbers and skip the press-release spin.
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Browse by breed

Golden Retriever
Labrador Retriever
German Shepherd
French Bulldog
Dachshund
Maine Coon
Siamese
Persian
English Bulldog
Poodle
Rottweiler
Boxer
All breeds →
Popular guides
Insuring more than one pet
How multi-pet discounts work, and when one combined policy beats separate plans.
Read the guide →
Senior cats
Enrollment age limits, what older cats can still get covered, and where the costs land.
Read the guide →
Pre-existing conditions
What counts as pre-existing, which conditions can still be covered later, and the realistic options.
Read the guide →
Kittens
Why enrolling early matters, what a kitten policy covers, and the waiting periods to plan around.
Read the guide →
Independent by design
How we stay impartial
Exclusions and waiting periods come from each provider's own website. Premiums are modeled estimates, not insurer quotes. We have taken zero paid placements, ever, and the full methodology is published, including why there is no score.
Read our methodology