In comparing pet insurance companies, it's important to consider a range of factors. The amount of coverage is an important factor, as is the availability of wellness add-ons and plans. The higher score is the more varied and unique coverage. Some companies offer more customizable options which can reduce premiums.
Embrace offers a 30-day money back guarantee
Embrace offers a money-back guarantee for 30 days if you're not satisfied with the policy. 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'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 options. It also offers a Healthy Pet Deductible which rewards policyholders every year that they do not file a claim. This reduces customers' premiums and allows them to save money if needed.
Spot offers full coverage at 100 percent
Spot offers a variety of coverage options for your pet, including accident-only coverage, a 100% coverage option, 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. You can also download an iOS or Android app if you prefer.
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 submit claims online or through the Spot app. Spot will contact a veterinarian to provide your pet's medical records after you submit the claim. Spot offers 10% discounts for multiple pets.
Hartville has three levels of coverage
Hartville has three different levels to fit the needs and budgets of 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 is a premium insurance provider for pets. They offer a wide variety of benefits as well as generous policy terms. However, premiums can sometimes be too high for pet owners. Customers can manage their policies using a mobile app. Hartville merged with Crum and Foster Pet Insurance Group in 2017, which is one the largest U.S. pet insurance providers.
Figo gives you unlimited payouts
Figo's unlimited payout benefits do not tie to any one condition. This allows customers to get as much money as they need for their vet bills. Figo allows you to choose from unlimited annual benefits or a deductible as low as $500. You'll get 100% reimbursement up to the annual benefit that you select.
The company is based near Chicago, Illinois. However, clients can get coverage anywhere in the country. Markel American Insurance Company is backing the company as well as Independence American Insurance Company. Customers can go to any licensed veterinarian in any state that accepts the insurance. The company also has a mobile app.
Lemonade offers multi-pet discounts
Lemonade has some limitations but it is highly competitive and offers customizable plans at a competitive price. Lemonade's fast claims processing is one of the key differences from 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 offers a multipet wellness plan if you have multiple pets. This package includes annual wellness examinations, vaccinations, as well as blood work. It also covers routine dental care. Multi-pet policies can also be eligible for a discount of 5%.