When comparing pet insurance companies it is important to take into account a variety of factors. For example, the amount of coverage is important, but so is the variety of plans and wellness add-ons. Higher scores are awarded for coverage that is more unique and diverse. Companies may offer greater customization options which can lower premium costs.
Embrace offers a 30-day guarantee of your satisfaction
Embrace offers a money-back guarantee for 30 days if you're not satisfied with the policy. Customers also have the right to a complete refund if they cancel within the first thirty days. Cancellations that are more than 60 days old cannot be refunded. Embrace doesn't cover preexisting conditions. Therefore, you need to ensure that you have a current veterinary records before enrolling your pet.
Embrace offers five deductible options. 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 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. Get a quote online for free, enroll your pet and keep track of any claims. This site includes a FAQ page, sample policies, and a comprehensive FAQ. If you prefer, you can also download an app for iOS or Android.
After your annualdeductible has been met, Spot covers most pet vet costs. You can choose from a policy that has a flat deductible of $2,500, or one that is fully covered with no deductible. Online claims can be submitted through the Spot app or online. Spot will contact your veterinarian to obtain the medical records of your pet once you have submitted the claim. Spot offers 10% discounts for multiple pets.
Hartville offers three levels coverage
Hartville provides three levels of coverage to meet the needs of pet owners. The base plan covers routine annual dental exams and cleanings, while the prime package provides coverage for more costly medical procedures. 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. The premiums can be prohibitively high, and not everyone can afford them. Customers can manage their policies using a mobile app. Hartville was merged in 2017 with Crum and Foster Pet Insurance Group. This is the U.S.'s largest provider of pet insurance.
Figo provides unlimited payout benefits
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. 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 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 go to any licensed veterinarian in any state that accepts the insurance. The company also has a mobile app.
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. 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.
Lemonade has a multi-pet wellness program. This package covers annual wellness exams, vaccinations, and blood work. It also covers routine dental treatment. Multi-pet policies are eligible for a 5% discount.