It's important to look at a wide range of factors when comparing pet insurers. Not only is the coverage important, but also the number of plans and wellness options. The higher score is the more varied and unique coverage. Some companies offer more customizable options which can reduce 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. If customers cancel their policy within the first 30 days, they are entitled to a full reimbursement. However, cancellations more than 60 days old will not be refunded. 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 provides five deductible levels. It also offers a Healthy Pet Deductible. This rewards policyholders for every year without filing a claim. This reduces customers' premiums and allows them to save money if needed.
Spot also offers 100 percent coverage
Spot provides a range of coverage options to your pet. This includes accident-only coverage, 100% coverage and a combination of both. You can request a free quote online, sign up your pet, track claims, and even get a tracking number. The site also has a FAQ page as well as sample policies. If you prefer, you can also download an app for iOS or Android.
Spot covers most common vet costs for your pet after your annual deductible has been met. You can choose from a policy that has a flat deductible of $2,500, or one that is fully covered with no deductible. Online or via the Spot App, you can file claims. Spot will contact your veterinarian once the claim has been submitted. Spot offers 10% discounts for multiple pets.
Hartville offers three levels of coverage
Hartville offers three levels in coverage to best suit pet owners' needs. The base plan covers routine annual dental exams and cleanings, while the prime package provides coverage for more costly medical procedures. The premiums vary depending on which type of policy you select, and the company offers a multi-pet discount.
Hartville is a premium pet insurance provider that offers a range of benefits and generous policy terms. The premiums can be prohibitively high, and not everyone can afford them. The company also offers a mobile application which allows customers to manage and update their policies. Hartville was merged in 2017 with Crum and Foster Pet Insurance Group. This is the U.S.'s largest provider of pet insurance.
Figo gives you unlimited payouts
Figo offers unlimited payout benefits that are not tied down to any condition. Customers can receive as many funds as they need to cover 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. Markel American Insurance Company is backing the company as well as Independence American Insurance Company. Customers can see a licensed veterinarian from any state that accepts the insurance company. The company also provides a mobile app.
Lemonade offers multi-pet discounts
Lemonade has some limitations but it is highly competitive and offers customizable plans at a competitive price. Lemonade's fast claims processing is one of the key differences from other pet insurance companies. While many other companies can take weeks or even months to process a claim, Lemonade promises to process them within minutes. This is a significant benefit for pet owners. Be aware, however, that not all plans cover pre-existing conditions.
Lemonade offers a multipet wellness plan if you have multiple pets. This package includes annual wellness examinations, vaccinations, as well as blood work. It also covers routine oral care. Multi-pet policies can also be eligible for a discount of 5%.