Best pet insurance for vet exam fee coverage in the US

Exam fees are charged at nearly every visit, and several big-name insurers don't reimburse them. This ranking requires exam fees to be covered.

Ranked with the same filters and scoring as our quiz, using plan data reviewed 2026-10-16. Your pet's breed, age and location change the answer — take the quiz for a personal match.

#1 for vet exam fee coverage

Embrace

Accident & Illness

Excellent fit

Exam fees for covered accident and illness visits are reimbursed (wellness exams go through Wellness Rewards).

Pays back: Up to 90%
Yearly limit: Unlimited
Deductible: Yearly

Watch out: 180-day exclusion for common orthopedic conditions in dogs

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Full details

Customizable accident & illness coverage with dental illness, complementary therapies and cured-condition coverage.

$$ Mid-rangeAccident & illness

Reimburses: 70/80/90%
Annual limit: Unlimited
Deductible: Annual
Exam fees: Covered
Accident wait: none
Illness wait: 14 days

Good to know

Covers cured pre-existing conditions after 12 symptom-free months
Dental illness included (up to $1,000/yr)
Complementary and behavioral therapy included
No accident waiting period
Unlimited annual limit option

Watch out for

180-day exclusion for common orthopedic conditions in dogs
Pets 15 and older can only get accident-only coverage
Premiums rise over time with age

Underwriter: American Modern Insurance Group (a Munich Re company)

Sources: embracepetinsurance.com · embracepetinsurance.com · embracepetinsurance.com · embracepetinsurance.com

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#2 · Nationwide

Modular Pet Insurance

Excellent fit

Vet exam / consultation fees are reimbursed.

Pays back: Up to 80%
Yearly limit: $5,000
Deductible: Yearly

Watch out: Hereditary, congenital and cruciate coverage are paid add-on modules

Get a quote from Nationwide

Full details

Build-your-own coverage from accident, illness and optional modules (hereditary, cruciate, wellness) — exam fees included.

$$ Mid-rangeAccident & illness

Reimburses: 50/70/80%
Annual limit: $5,000
Deductible: Annual
Exam fees: Covered
Accident wait: 14 days
Illness wait: 14 days

Sample monthly cost

from $13 — 2-year-old medium mixed-breed dog, Chicago, accident-only moduleNationwide's advertised starting price ($5,000 limit, 70%, $250 deductible).

Good to know

Vet exam fees included
Optional hereditary/congenital and cruciate modules
Also insures birds and exotic pets
24/7 vet helpline included

Watch out for

Hereditary, congenital and cruciate coverage are paid add-on modules
Cats 8 and older can't add hereditary coverage
Annual limits are per module — total payouts can be lower than single-limit plans
No 90% reimbursement option found on Nationwide's current pages

Underwriter: National Casualty Company (Veterinary Pet Insurance Company in California)

Sources: petinsurance.com · petinsurance.com · petinsurance.com

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#3 · Pets Best

BestBenefit Accident & Illness

Excellent fit

Exam fees are a supplemental benefit included in most plans — you can remove it to lower the premium.

Pays back: Up to 90%
Yearly limit: Unlimited
Deductible: Yearly

Watch out: Rehab, acupuncture and chiropractic care must be added at enrollment

Get a quote from Pets Best

Full details

Highly adjustable accident & illness coverage — reimbursement from 50% to 90%, deductibles from $50 to $2,000 and an unlimited option.

$ BudgetAccident & illness

Reimburses: 50/60/70/80/90%
Annual limit: Unlimited
Deductible: Annual
Exam fees: Covered
Accident wait: 3 days
Illness wait: 14 days

Good to know

Widest range of reimbursement and deductible choices
No upper enrollment age
Optional Direct Vet Pay sends your reimbursement to the vet
Exam fees included on most plans

Watch out for

Rehab, acupuncture and chiropractic care must be added at enrollment
6-month wait for cruciate ligament conditions
Prescription coverage is limited to Pets Best's formulary

Underwriter: Independence American Insurance Company (American Pet Insurance Company in NY and WA)

Sources: petsbest.com · petsbest.com · petsbest.com

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#4 · ASPCA Pet Health Insurance

Complete Coverage

Excellent fit

Vet exam / consultation fees are reimbursed.

Pays back: Up to 90%
Yearly limit: Unlimited
Deductible: Yearly

Watch out: 14-day waiting period applies to accidents as well as illness

Get a quote from ASPCA Pet Health Insurance

Full details

Broad accident & illness coverage including exam fees, dental disease, behavioral issues and alternative therapies.

$$ Mid-rangeAccident & illness

Reimburses: 70/80/90%
Annual limit: Unlimited
Deductible: Annual
Exam fees: Covered
Accident wait: 14 days
Illness wait: 14 days

Good to know

Exam fees, hereditary and behavioral conditions included
Cured conditions covered after 180 symptom-free days
10% multi-pet discount
Visit any licensed vet in the US or Canada

Watch out for

14-day waiting period applies to accidents as well as illness
Knee and ligament conditions can never become eligible once pre-existing

Underwriter: Independence American Insurance Company or United States Fire Insurance Company

Sources: aspcapetinsurance.com · aspcapetinsurance.com · aspcapetinsurance.com · aspcapetinsurance.com

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