It is important to compare pet insurance companies. Not only is the coverage important, but also the number of plans and wellness options. The higher score is the more varied and unique coverage. Some companies offer more customization options to reduce premium costs.
Embrace offers a 30-day refund guarantee
If you are unhappy with your policy, Embrace provides a 30 day money-back guarantee. Customers who cancel within the first 30 day of their policy are eligible for a full refund. Cancellations of more than 60 calendar days in advance will not be eligible for a full refund. Embrace does not cover preexisting conditions. You should have a current veterinary file before you enroll your pet.
Embrace offers five deductibles. It also offers a Healthy Pet Deductible, which rewards policyholders for each year without a claim. This helps customers save money and keeps their premiums lower.
Spot offers full coverage at 100 percent
Spot offers multiple coverage options for pets, including accident-only or 100% coverage. You can also combine both. Get a quote online for free, enroll your pet and keep track of any claims. The site also has a FAQ page as well as sample policies. You can also download an iOS or Android app if you prefer.
After your annualdeductible has been met Spot covers the majority of common vet costs for your pet. There are two options: a plan that has a flat $2,500 deductible, or a fully insured policy with no deductible. You can submit claims online or through the Spot app. Spot will contact your veterinarian once the claim has been submitted. Spot provides a 10% discount for multiple pets.
Hartville offers three levels coverage
Hartville has three different levels to fit the needs and budgets of different pet owners. The basic package includes routine annual exams and dental cleaning. The prime plan covers more costly medical services. The premiums for each type of policy will differ, but the company offers a discount for multiple pets.
Hartville offers premium pet insurance and a generous policy term. However, premiums can sometimes be too high for pet owners. Customers can access their policies via a mobile application. 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 offers unlimited benefits and a deductible up to $500. After that, you will receive 100% reimbursement, up the amount you choose.
The company is located in Chicago, Illinois but provides coverage to clients throughout the country. The company is backed by two major insurance companies, Markel American Insurance Company and Independence American Insurance Company. Customers can visit any licensed veterinarian within the state that has accepted the insurance company. A mobile app is also available.
Lemonade offers multi-pet discounts
Lemonade is a highly competitive insurer that offers customizable plans and low prices. However, there are limitations to its plans. The company's ability to quickly process claims is one of its major advantages over other pet health insurance companies. Lemonade promises to process claims within minutes. Many companies take weeks, sometimes even months, to process a claim. This is an important benefit for pet parents. However, be aware that many of its plans exclude coverage for pre-existing conditions.
If you have more than one pet, Lemonade offers a multi-pet wellness plan. This package covers annual wellness exams, vaccinations, and blood work. It also covers routine dental treatment. For multi-pet policies, you can get a discount of 5%.