When comparing pet insurance companies it is important to take into account a variety of factors. The amount of coverage is an important factor, as is the availability of wellness add-ons and plans. The more diverse and unique the coverage, the higher the score. Some companies offer more customization options, which can reduce premium costs.
Embrace offers a 30-day refund guarantee
If you aren't satisfied with the policy, Embrace offers a 30-day money-back guarantee. Customers can also cancel their policy within 30 days to receive a full refund. Cancellations made after 60 days will not be reimbursed. Embrace's policy does not cover pre-existing conditions, so you should make sure you have an updated veterinary record before enrolling your pet.
Embrace offers five deductible levels. The policy also includes a Healthy Pet Deductible that rewards policyholders who have not filed a claim in the past year. This allows customers to keep their premiums down, and helps them save money if they have to file a claim.
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 request a free quote online, sign up your pet, track claims, and even get a tracking number. You can also find a detailed FAQ page and sample policies. If you'd rather, you can download an app for iOS and Android.
Spot covers most common vet costs for your pet after your annual deductible has been met. You have two options. A plan with a flat $2,500deductible or a fully protected policy with nodeductible. 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 a 10% discount for multiple pets.
Hartville has three levels of coverage
Hartville offers three levels in coverage to best suit pet owners' needs. The basic package includes routine annual exams and dental cleaning. The prime plan covers more costly medical services. The premiums vary depending on which type of policy you select, and the company offers a multi-pet discount.
Hartville, a premium pet insurance provider, offers a variety of benefits and 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 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 gives you the option to select from a wide range of annual benefits. Or you can pay a deductible starting at $500. Then, 100% reimbursement will be granted up to the annual benefit you have chosen.
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 see any licensed veterinarian from any state that recognizes 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. One of its key differentiators from other pet health insurance companies is its quick claims processing. Lemonade promises to process claims in just minutes, as opposed to taking weeks or months for other companies. This is a major benefit for pet owners. But, many plans do not cover pre-existing medical conditions.
Lemonade offers a multipet wellness plan if you have multiple pets. This package covers annual wellness exams, vaccinations, and blood work. This package also includes routine dental care. For multi-pet policies, you can get a discount of 5%.