It is important to compare pet insurance companies. The amount of coverage is an important factor, as is the availability of wellness add-ons and plans. Higher scores mean more coverage. Some companies offer more customizable options which can reduce premiums.
Embrace offers a 30-day satisfaction guarantee
If you aren’t happy with your policy from Embrace, there is a 30-day money back guarantee. Customers who cancel within the first 30 day of their policy are eligible for a full refund. Cancellations made after 60 days will not be reimbursed. 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 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 a full (100%) coverage option
Spot offers a variety of coverage options for your pet, including accident-only coverage, a 100% coverage option, and a combination of both. You can get a free quote online, enroll your pet, and track claims. There is also a FAQ page and sample policies. You can also download apps for Android and iOS.
Spot covers most common vet costs for your pet after your annual deductible has been met. You can choose between a plan with a flat deductible of $2,500 or a fully covered policy with no deductible. You can make claims online or via the Spot app. Spot will contact your veterinarian to obtain the medical records of your pet once you have submitted the claim. Spot provides a 10% discount for multiple pets.
Hartville offers 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. You can choose from a variety of policies and your premiums will vary. The company also offers discounts for multiple pets.
Hartville is a premium insurance provider for pets. They offer a wide variety of benefits as well as generous policy terms. The premiums are often high and may not fit into many pet owners' budgets. Fortunately, the company has a mobile application that allows customers to manage their policies. Hartville merged with Crum and Foster Pet Insurance Group in 2017, which is one the largest U.S. pet insurance providers.
Figo offers unlimited payout benefits
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 allows you to choose from unlimited annual benefits or a deductible as low as $500. After that, you will receive 100% reimbursement, up the amount you choose.
Although the company's headquarters are in Chicago, Illinois it provides coverage all across 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 offers a mobile application.
Lemonade offers a discount for multiple pets
Lemonade offers a range of plans that can be customized, and they are competitively priced. There are limitations. Its quick claims processing is one of its main advantages over other pet insurance companies. Lemonade promises to process your claims within minutes. This is a significant advantage over other companies that can take weeks or even months. This is a major benefit for pet owners. But, many plans do not cover pre-existing medical conditions.
Lemonade provides multi-pet wellness plans for owners who have more than one animal. This package includes annual wellness examinations, vaccinations, as well as blood work. It also covers routine dentistry care. Multi-pet policies can also be eligible for a discount of 5%.