It is important to compare pet insurance companies. 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. Some companies offer more customizable options which can reduce premiums.
Embrace offers a 30-day money-back guarantee
If you are unhappy with your policy, Embrace provides a 30 day money-back guarantee. Customers can also cancel their policy within 30 days to receive a full refund. 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 deductibles. The policy also has a Healthy Pet Deductible. It rewards policyholders with a year of no claims. This helps customers keep their premiums down and save money if they ever need to file a claim.
Spot offers full coverage (100%)
Spot offers multiple coverage options for pets, including accident-only or 100% coverage. You can also combine both. 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. You can also download an iOS or Android app if you prefer.
Spot covers most common vet costs for your pet after your annual deductible has been met. You have the option of a policy with a $2,500 flat deductible or a fully-covered policy without 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 10% discounts for multiple pets.
Hartville offers three levels in coverage
Hartville offers three levels of coverage that will suit different pet owners. The base plan covers routine annual visits and dental cleaning. While the prime plan covers more expensive medical expenses. 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, 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 merged with Crum and Foster Pet Insurance Group in 2017, which is one the largest U.S. pet insurance providers.
Figo offers uncapped 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. Markel American Insurance Company is backing the company as well as Independence American Insurance Company. Customers can visit any licensed veterinarian in any state that is accepted by the insurance company. The company also offers a mobile app.
Lemonade offers multi-pet discounts
Lemonade plans have some limitations, but this insurer is very competitive and offers customized and affordable plans. One of its key differentiators from other pet health insurance companies is its quick claims processing. 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. Be aware, however, that not all plans cover pre-existing conditions.
Lemonade has a multi-pet wellness program. This package includes annual wellness checks, vaccinations, blood work, and more. It also covers routine dental care. For multi-pet policies, you can get a discount of 5%.