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 higher score is the more varied and unique coverage. Some companies offer more customizable options which can reduce premiums.
Embrace offers a 30-day satisfaction guarantee
Embrace offers a money-back guarantee for 30 days if you're not satisfied with the policy. Customers are also entitled to a full refund if they cancel their policy in the first 30 days. Cancellations after 60 days are not eligible for a refund. Embrace's policy is not applicable to pre-existing medical conditions. This means that your pet will not be refunded if you do not have a current veterinary record.
Embrace offers five deductible levels. It also offers a Healthy Pet Deductible, which rewards policyholders for each year without a claim. This helps customers save money and keeps their premiums lower.
Spot provides a 100 percent coverage option
Spot offers multiple coverage options for pets, including accident-only or 100% coverage. You can also combine both. Get a quote online for free, enroll your pet and keep track of any claims. You can also find a detailed FAQ page and sample policies. You can also download an iOS or Android app if you prefer.
After your annual deductible is met, Spot will cover most of your pet's vet costs. 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 your veterinarian once the claim has been submitted. Spot offers a 10% discount for multiple pets.
Hartville offers three levels for coverage
Hartville offers three different levels of coverage to suit the needs of different pet owners. The base plan covers routine annual dental exams and cleanings, while the prime package provides coverage for more costly medical procedures. 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 is a premium pet insurance provider that offers a range of benefits and generous policy terms. However, premiums can sometimes be too high for pet owners. The company also offers a mobile application which allows customers to manage and update their policies. Hartville merged with Crum and Foster Pet Insurance Group in 2017, which is one the largest U.S. pet insurance providers.
Figo provides unlimited payout benefits
Figo's unlimited payout benefits do not tie to any one condition. This allows customers to get as much money as they need for their vet bills. Figo gives you the option to select from a wide range of annual benefits. Or you can pay a deductible starting at $500. After that, you'll receive 100% reimbursement, up to the annual benefit you choose.
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 within the state that has accepted 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. 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 an important benefit for pet parents. It is important to note that some of the plans don't cover pre-existing condition.
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 are eligible for a 5% discount.