When comparing pet insurance companies it is important to take into account a variety of factors. While coverage is crucial, so is the range of plans and add-ons. The more diverse and unique the coverage, the higher the score. Companies may offer greater customization options which can lower premium costs.
Embrace offers a 30-day satisfaction guarantee
If you aren't satisfied with the policy, Embrace offers a 30-day money-back guarantee. Customers are also entitled to a full refund if they cancel their policy in the first 30 days. Cancellations of more than 60 calendar days in advance will not be eligible for a full refund. Embrace's policy is not applicable to pre-existing medical conditions. This means that your pet will not be refunded if you do not have a current veterinary record.
Embrace offers five deductible levels. It also offers a Healthy Pet Deductible which rewards policyholders every year that they do not file a claim. This allows customers to keep their premiums down, and helps them save money if they have to file a claim.
Spot provides a 100 percent coverage option
Spot provides a range of coverage options to your pet. This includes accident-only coverage, 100% coverage and a combination of both. It is easy to get a quote online and enroll your pet. There is also a FAQ page and sample policies. An app can be downloaded for Android or iOS.
After your annualdeductible has been met, Spot covers most pet vet costs. You have the option of a policy with a $2,500 flat deductible or a fully-covered policy without deductible. Online claims can be submitted through the Spot app or online. Spot will contact the vet to verify your pet's records once you submit the claim. Spot offers a 10% multi-pet discount if you have more than one pet.
Hartville offers three levels for coverage
Hartville offers three levels of coverage that will suit different pet owners. The base plan covers routine annual visits and dental cleaning. While the prime plan covers more expensive medical expenses. You will find that the premiums are different depending on what type of policy you choose. There is also a discount for multiple pets.
Hartville is a premium insurance provider for pets. They offer a wide variety of benefits as well as generous policy terms. However, pet owners may not have the means to pay the high premiums. The company offers a mobile app that allows customers to manage their policy. Hartville merged into Crum and Foster Pet Insurance Group (one of the largest U.S. pet insurers) in 2017.
Figo has unlimited payouts
Figo's uncapped payout benefits aren't tied to any particular condition. Customers can receive as much money to pay for their vet bills as they require. Figo lets you choose between unlimited annual benefits, or a deductible that is as small as $500. Then, 100% reimbursement will be granted up to the annual benefit you have chosen.
The company is located in Chicago, Illinois but provides coverage to clients throughout the country. Markel American Insurance Company is backing the company as well as Independence American Insurance Company. Customers can visit any licensed veterinarian within the state that has accepted the insurance company. The company also has a mobile app.
Lemonade offers a discount on multiple pets
Lemonade plans have some limitations, but this insurer is very competitive and offers customized and affordable plans. Its quick claims processing is one of its main advantages over other pet insurance companies. Lemonade claims processing times are lightning fast. While other companies may take weeks, or even months to process a case, Lemonade promises that they will process it in minutes. This is a significant benefit for pet owners. Be aware that most of these plans do not provide coverage for pre-existing diseases.
Lemonade provides multi-pet wellness plans for owners who have more than one animal. This package covers annual wellness exams, vaccinations, and blood work. This package also includes routine dental care. For multi-pet policies, you can get a discount of 5%.