Policy structure · published classes
Embrace
85BCScore
Reimbursement70 / 80 / 90%
Deductibleannual · $100–$1,000
Annual limitcovered$5k–unlimited (varies by state)
Ortho waitwaiting period6 mo · waiver path
Curable pre-existingcoveredlookback path
16 breed classes · 8 insurers · one mechanics matrix
Priced for your breed, not the average pet.
A French Bulldog and a medium mixed-breed don't pay the same premium — and the waiting-period fine print treats them differently too. We map typical published premium bands by breed class and decode every insurer's mechanics, then point you at real quotes.
covered / offered excluded / not offered waiting period applies· published classes, verify current terms
Breed Premium Estimator
What does a French Bulldog typically run?
Age band
Where you live (vet-cost tier)
Typical monthly premium band · accident + illness
low
$47
typical
$82
high
$124
This is a typical published band, modeled from size/risk class against the published national average — not a quote. Real premiums vary by ZIP, exact age, and insurer.
Start with the breed
Pick your breed class
French Bulldog$60–$110Golden Retriever$45–$85Labrador Retriever$45–$80German Shepherd$50–$90Dachshund$35–$65Great Dane$60–$110Standard Poodle$40–$75Chihuahua$25–$50Bernese Mountain Dog$60–$105Rottweiler$50–$95Yorkshire Terrier$30–$55Pembroke Welsh Corgi$35–$65Siberian Husky$40–$70Mixed Breed (Medium)$30–$55Domestic Shorthair (Cat)$15–$35Maine Coon (Cat)$25–$50
Bands, not quotes · Typical published bands, not quotes — premiums vary by ZIP, age, and insurer. Get real quotes to know your number.
Mechanics, not marketing
Highest-scored policy structures
Policy structure · published classes
Trupanion
83BCScore
Reimbursement90% (single published rate)
Deductibleper-condition · $0–$1,000 (lifetime, per condition)
Annual limitcoveredunlimited (no annual caps published)
Ortho waitcoveredstandard
Curable pre-existingnot offeredno path
Policy structure · published classes
Spot
82BCScore
Reimbursement70 / 80 / 90%
Deductibleannual · $100–$1,000
Annual limitcovered$2.5k–unlimited
Ortho waitcoveredstandard
Curable pre-existingcoveredlookback path
The fine print, gridded
Insurer mechanics matrix
| Insurer | Ortho waiting period | Curable pre-existing path | Unlimited annual option |
|---|---|---|---|
| Embrace | waiting periodup to 6 months for orthopedic conditions (dogs) — waiver path | coveredpublished lookback | coveredavailable |
| Trupanion | covered~30 days (illness class; no separate ortho extension published) | not offeredno published path | coveredavailable |
| Spot | covered~14 days (no separate published ortho extension) | coveredpublished lookback | coveredavailable |
| Figo | not offeredup to 6 months for knee conditions in some states | coveredpublished lookback | coveredavailable |
Published policy classes — verify current terms before binding
From the policy desk
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The Premium Memo
When the fine print moves, you hear about it
Waiting-period changes, new published bands, curable-condition language updates — one email when an insurer's mechanics actually change. No filler.