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 score will be higher if the coverage is unique and varied. 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 who cancel within the first 30 day of their policy are eligible for a full refund. Cancellations that are more than 60 days old cannot be refunded. Embrace does not cover preexisting conditions. You should have a current veterinary file before you enroll your pet.
Embrace offers five deductible options. The policy also includes a Healthy Pet Deductible that rewards policyholders who have not filed a claim in the past year. This helps customers keep their premiums down and save money if they ever need to file a claim.
Spot also offers 100 percent coverage
Spot offers several coverage options for your pet. These include accident-only, 100%, or a combination. Online quotes are free and you can enroll your pet. You can also track claims. You can also find a detailed FAQ page and sample policies. If you prefer, you can also download an app for iOS or Android.
After you have met your annual deductible, Spot will pay for most vet bills. There are two options: a plan that has a flat $2,500 deductible, or a fully insured policy with no deductible. Online claims can be submitted through the Spot app or online. Spot will contact a veterinarian to provide your pet's medical records after you submit the claim. Spot offers a 10% discount for multiple pets.
Hartville offers three levels of 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 are often high and may not fit into many pet owners' budgets. The company offers a mobile app that allows customers to manage their policy. Hartville merged in 2017 to the Crum and Foster Pet Insurance Group. It is one of America's largest pet insurance providers.
Figo gives you unlimited payouts
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. Then, 100% reimbursement will be granted up to the annual benefit you have chosen.
The company is based near Chicago, Illinois. However, clients can get coverage anywhere in 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. The company also has a mobile app.
Lemonade offers multi-pet discounts
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 claims in just minutes, as opposed to taking weeks or months for other companies. This is a significant benefit for pet owners. 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 an annual wellness exam, vaccinations, and bloodwork. This package also includes routine dental care. Multi-pet policies can also be eligible for a discount of 5%.