It is important to compare pet insurance companies. It is important to consider the level of coverage, but also the options for wellness add-ons. The more diverse and unique the coverage, the higher the score. Certain companies offer more customization options that can help lower premiums.
Embrace offers a 30-day guarantee of your satisfaction
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 after 60 days are not eligible for a refund. Embrace's policy doesn't cover pre-existing conditions. Before enrolling your pet, make sure to 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 helps customers save money and keeps their premiums lower.
Spot provides a 100 percent coverage option
Spot offers many coverage options, including 100% coverage, accident-only and 100% coverage. Get a quote online for free, enroll your pet and keep track of any claims. There is also a FAQ page and sample policies. If you prefer, you can also download an app for iOS or Android.
After your annual deductible is met, Spot will cover most of your pet's vet costs. You have the option of a policy with a $2,500 flat deductible or a fully-covered policy without deductible. Online or via the Spot App, you can file claims. Spot will contact the vet to verify your pet's records once 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 basic package includes routine annual exams and dental cleaning. The prime plan covers more costly medical services. 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 provider of pet insurance that offers a wide range of benefits and generous terms. The premiums can be prohibitively high, and not everyone can afford them. The company offers a mobile app that allows customers to manage their policy. Hartville merged with Crum and Foster Pet Insurance Group in 2017, which is one the largest U.S. pet insurance providers.
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. With Figo, you can choose from an unlimited number of annual benefits, or you can choose to pay a deductible of as little as $500. After that, you receive 100% reimbursement up until the annual benefit you choose.
The company is based near Chicago, Illinois. However, clients can get coverage anywhere in the country. Markel American Insurance Company as well Independence American Insurance Company back the company. Customers can go to any licensed veterinarian in any state that accepts the insurance. The company also offers a mobile application.
Lemonade offers multi-pet discounts
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 big benefit for pet owner. Be aware that most of these plans do not provide coverage for pre-existing diseases.
Lemonade also offers multi-pet wellness plans if you have more than one pet. This package includes annual wellness checks, vaccinations, blood work, and more. It also covers routine oral care. A multi-pet discount of up to 5% is also available.