In comparing pet insurance companies, it's important to consider a range of factors. For example, the amount of coverage is important, but so is the variety of plans and wellness add-ons. The score will be higher if the coverage is unique and varied. Some companies offer more customization options, which can reduce premium costs.
Embrace offers a 30-day money-back guarantee
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. 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 deductible options. It also offers a Healthy Pet Deductible which rewards policyholders every year that they do not file a claim. This reduces customers' premiums and allows them to save money if needed.
Spot offers full coverage (100%)
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 get a free quote online, enroll your pet, and track claims. There is also a FAQ page and sample policies. If you'd rather, you can download an app for iOS and Android.
After your annualdeductible has been met, Spot covers most pet vet costs. You have the option of a policy with a $2,500 flat deductible or a fully-covered policy without deductible. You can submit claims online or through the Spot app. Spot will contact the vet to verify your pet's records once you submit the claim. If you have multiple pets, Spot offers a multi-pet discount of 10%.
Hartville has 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 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. However, pet owners may not have the means to pay the high premiums. 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 provides 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 lets you choose between unlimited annual benefits, or a deductible that is as small 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, and Independence American Insurance Company are backing the company. Customers can see a licensed veterinarian from any state that accepts the insurance company. The company also offers 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 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. But, many plans do not cover pre-existing medical conditions.
Lemonade provides multi-pet wellness plans for owners who have more than one animal. This package includes annual wellness checks, vaccinations, blood work, and more. It also covers routine dental care. Moreover, a multi-pet discount of 5% is available for multi-pet policies.