What is the difference between an annual and a per-condition deductible?
An annual deductible is paid once per policy year, then resets. A per-condition deductible is paid once per diagnosed condition for the life of the pet. In this eight-insurer lineup, Trupanion is the per-condition design. Healthy Paws, Lemonade, Embrace, Spot, Pets Best, Figo, and Fetch use annual deductibles. Pets Best’s published annual floor is $50. Lemonade’s published annual range is $100 to $750 (up to $1,000 on some policies). Trupanion’s per-condition deductible is configurable in $50 steps from $0 to $1,000, plus $1,350 / $1,500 / $1,750 options, and reimbursement is fixed at 90 percent. Chronic one-condition years favor per-condition. Many unrelated small claims favor annual. This page is not the deductible blog. Lemonade is the only live quote link. Trupanion has no /go on this site.
Annual vs per-condition deductible
| Compare | Design | Published range |
|---|---|---|
| Trupanion | Per-condition, once per diagnosis for life | $0 to $1,000 in $50 steps plus higher options |
| Everyone else in this lineup | Annual, resets each policy year | Floors from $50 (Pets Best) to $250 (Fetch) |
What is the difference between an annual and a per-condition deductible?
Annual means you satisfy the deductible once each policy year across covered claims, then coinsurance applies until the year resets. Per-condition means you satisfy the deductible once for that diagnosis, then later years of the same condition do not restart that deductible.
Trupanion is the only reviewed insurer that publishes a per-condition deductible. Everyone else in this catalog publishes an annual deductible. That is the whole vs. It is not a reimbursement-rate vs, and it is not unlimited-versus-capped.
Published ranges, not invented quotes
Healthy Paws: one annual deductible of $100, $250, $500, or $1,000. Lemonade: $100 to $750, up to $1,000 on some policies. Embrace: $100 to $1,000, and it drops $50 every claim-free year via the Healthy Pet Deductible. Spot: $100 / $250 / $500 / $750 / $1,000. Pets Best: $50 / $100 / $200 / $250 / $500 / $1,000. Figo: $100 to $750 standard, plus $1,000 / $1,500 options for pets age 8+ / 10+. Fetch: $250 to $2,500.
Trupanion: per-condition deductible, $0 to $1,000 in $50 steps plus $1,350 / $1,500 / $1,750 options. Unlimited annual limit on every plan. Fixed 90 percent reimbursement.
Which structure fits which pet
One long chronic bill (Addison’s medication, diabetes, HCM follow-up) can pay the Trupanion deductible once and keep claiming. Many unrelated accidents and illnesses in the same year can stack new per-condition deductibles and cost more than one annual reset.
A Lemonade Get-quote button on this page is a paid alternative, not a Trupanion enrollment link. Current Lemonade marketing waits (your state policy controls) are 0 days accident from the policy effective date, 14 days illness, and 30 days orthopedic. Lemonade Pet is not sold in AK, ID, KS, SD, VT, WV, or WY as of October 2026.
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