Read this first

The Protection Plan is not pet insurance.

It pays toward eligible vet costs during a Petme booking, up to $22,000. It does not cover the rest of the year. For that, you buy a policy.

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Two different products

What each one pays for.

Petme Protection Plan

Pays toward eligible vet costs that happen during a booking, up to $22,000. No monthly premium. It ends when the booking ends. It is not an insurance policy and it will not pay for an illness in March if the pet was not in a sitter's care.

A pet insurance policy

A monthly premium to an insurer. It pays toward accidents and illness the rest of the year, after a waiting period and a deductible, up to the limit you bought. It has nothing to do with whether you booked a sitter.

From their own pages

Two US insurers, read on 1 November 2026.

Terms vary by state. The policy you are offered is the one that counts. These rows are a reading of each company's public pages, not a ranking and not a quote.

Trupanion

Waiting period: 5 days for injuries, 30 days for illness. Reimbursement: 90% after a per-condition deductible that applies once. No annual payout cap. They can pay the vet directly. Source: trupanion.com, read 1 November 2026.

Lemonade

Waiting period: none for accidents, 14 days for illness, 30 days for orthopedic conditions. You pick 70%, 80% or 90% reimbursement and an annual deductible of $100, $250, $500 or $750. You pay the vet, then claim. Source: lemonade.com/pet, read 1 November 2026.

Petme Protection Plan

Not insurance. No premium, no deductible, no waiting period. Pays toward eligible vet costs during a booking, up to $22,000. Does not cover the pet outside a booking.

Questions people ask.

Is the Petme Protection Plan pet insurance?
No. The Protection Plan pays toward eligible vet costs that arise during a Petme booking, up to the plan maximum. It is not an insurance policy, it has no monthly premium, and it does not cover illness the rest of the year. For that, buy an insurance policy from an insurer.
How much is pet insurance for a dog?
It depends on the dog's age, breed and zip code, and on the deductible you pick. Neither insurer on this page publishes one national price. Get a quote from the insurer. The Protection Plan has no premium because it is not insurance.
What does pet insurance not cover?
Both Trupanion and Lemonade exclude conditions that existed before the policy, or that showed up during the waiting period. Routine wellness is excluded unless you add it. Read the policy. This page is a summary of their public pages, read on 1 November 2026, not the policy.
Does a pet sitter visit count as a vet visit?
No. A sitter follows the routine you write down and sends a photo. If the pet needs a vet during the booking, the Protection Plan can pay toward eligible vet costs, up to the plan maximum. The sitter is not a vet.
For the booking

Find a sitter. The plan comes with the stay.

Owners pay no booking fee. Cashback is credited after the stay.

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