It is important to compare pet insurance companies. For example, the amount of coverage is important, but so is the variety of plans and wellness add-ons. The higher score is the more varied and unique coverage. Companies may offer greater customization options which can lower premium costs.
Embrace offers a 30-day satisfaction guarantee
If you are not happy with your policy, Embrace will refund your money within 30 days. If customers cancel their policy within the first 30 days, they are entitled to a full reimbursement. However, cancellations more than 60 days old will not be refunded. Embrace's policy does not cover pre-existing conditions, so you should make sure you have an updated veterinary record before enrolling your pet.
Embrace offers five deductible levels. It also offers a Healthy Pet Deductible, which rewards policyholders for each year without a claim. This reduces customers' premiums and allows them to save money if needed.
Spot offers full coverage (100%)
Spot offers many coverage options, including 100% coverage, accident-only and 100% coverage. You can request a free quote online, sign up your pet, track claims, and even get a tracking number. This site includes a FAQ page, sample policies, and a comprehensive FAQ. An app can be downloaded for Android or iOS.
After your annualdeductible has been met, Spot covers most pet vet costs. There are two options: a plan that has a flat $2,500 deductible, or a fully insured policy with no deductible. You can make claims online or via the Spot app. Spot will contact your veterinarian once the claim has been submitted. Spot offers a 10% multi-pet discount if you have more than one pet.
Hartville offers three levels coverage
Hartville offers three levels of coverage that will suit different pet owners. The base package covers routine annual examinations and dental cleaning. The prime policy covers more expensive medical services. The company offers multi-pet discounts and premiums that vary depending on the type of policy.
Hartville offers premium pet insurance and a generous policy term. However, the premiums are sometimes high and may not be within the budget of many pet owners. Fortunately, the company has a mobile application that allows customers to manage their policies. Hartville merged into Crum and Foster Pet Insurance Group (one of the largest U.S. pet insurers) in 2017.
Figo has unlimited payouts
Unlike other pet insurance plans, Figo's unlimited payout benefits are not tied to a single condition, allowing customers to receive as much money as they need to cover their vet bills. With Figo, you can choose from an unlimited number of annual benefits, or you can choose to pay a deductible of as little as $500. Then, 100% reimbursement will be granted up to the annual benefit you have chosen.
The company is based near Chicago, Illinois. However, clients can get coverage anywhere in the country. Markel American Insurance Company as well Independence American Insurance Company back the company. Customers can see any licensed veterinarian from any state that recognizes the insurance company. The company also provides a mobile app.
Lemonade offers a discount for multiple pets
While there are some limitations to Lemonade's plans, this insurer is highly competitive and offers customizable and competitively priced plans. Its quick claims processing is one of its main advantages over other pet insurance companies. While many other companies can take weeks or even months to process a claim, Lemonade promises to process them within minutes. This is a huge benefit for pet owners. However, be aware that many of its plans exclude coverage for pre-existing conditions.
Lemonade also offers multi-pet wellness plans if you have more than one pet. This package includes annual wellness examinations, vaccinations, as well as blood work. It also covers routine dentistry care. For multi-pet policies, you can get a discount of 5%.