🐾 Pet Insurance Finder

Best pet insurance for pets with past health issues in the US

No insurer covers an ongoing condition, but some US plans will cover one that's been cured after a symptom-free period. This ranking favours those plans.

Ranked with the same filters and weighted 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 · Embrace

Accident & Illness

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
  • ✓ Cured pre-existing conditions: Curable pre-existing conditions can be covered after 12 months free of symptoms and treatment. Incurable ones (orthopedic, allergies, cancer, diabetes) stay excluded.
  • ! 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
Full Embrace details →

#2 · Pets Best

BestBenefit Accident & Illness

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
  • ✓ Cured pre-existing conditions: Pets Best says healed or cured conditions aren't treated as pre-existing, but no symptom-free period is published — ask before buying.
  • ! 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
Full Pets Best details →

#3 · Figo

Figo Pet Insurance Policy

Accident & illness coverage with up to 100% reimbursement, an unlimited tier and cover for cured pre-existing conditions.

$$ Mid-rangeAccident & illness
Reimburses
70/80/90/100%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Add-on
Accident wait
1 day
Illness wait
14 days
  • ✓ Cured pre-existing conditions: Curable pre-existing conditions are covered once cured and symptom- and treatment-free for 365 days. Genetic, ligament/knee, orthopedic and chronic conditions don't qualify.
  • ! Exam fees, rehab and holistic care are paid add-ons
  • ! 90% and 100% reimbursement aren't available in New York
  • ! Dental illness cover requires an annual dental exam
Full Figo details →

#4 · ASPCA Pet Health Insurance

Complete Coverage

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
  • ✓ Cured pre-existing conditions: A cured condition that's been free of symptoms and treatment for 180 days can be covered again — except knee and ligament conditions.
  • ! 14-day waiting period applies to accidents as well as illness
  • ! Knee and ligament conditions can never become eligible once pre-existing
Full ASPCA Pet Health Insurance details →

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