Review roundups copy each other. This site reads the documents instead.

For every insurer listed, the terms on its review page were captured from the insurer's own policy documents, specimen policies, and official term pages on the capture date printed on the page. Waiting periods, hereditary and bilateral clauses, curable condition rules, exam fee treatment, dental illness rules, enrollment ages, and payment methods all come from those documents.

The capture rule

If a point is not stated in the documents captured, the page says it is not published rather than guessing. Insurers change terms, so every review page carries its capture date, and the documents win any argument with this site.

Example prices

Where an insurer publishes its own example price, the review page prints it labeled as the insurer's own figure, in its own context. It is never presented as a quote for your pet.