It's important that you consider many factors when comparing pet insurance providers. Not only is the coverage important, but also the number of plans and wellness options. The more diverse and unique the coverage, the higher the score. Certain companies offer more customization options that can help lower 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 who cancel within the first 30 day of their policy are eligible for a full refund. However, cancellations more than 60 days old will not 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 save money and keeps their premiums lower.
Spot offers a full (100%) coverage option
Spot offers many coverage options, including 100% coverage, accident-only and 100% coverage. You can get a free quote online, enroll your pet, and track claims. It also offers a comprehensive 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. You can choose between a plan with a flat deductible of $2,500 or a fully covered policy with no deductible. You can submit claims online and through the Spot application. Spot will contact your veterinarian to obtain the medical records of your pet once you have submitted the claim. Spot provides a 10% discount for multiple pets.
Hartville has three levels of coverage
Hartville has three different levels to fit the needs and budgets of different pet owners. The base package covers routine annual examinations and dental cleaning. The prime policy covers more expensive medical services. The company offers multi-pet discounts and premiums that vary depending on the type of policy.
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 merged in 2017 to the Crum and Foster Pet Insurance Group. It is one of America's largest pet insurance providers.
Figo offers unlimited payout benefits
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. Figo allows you to choose from unlimited annual benefits or a deductible as low as $500. Then, 100% reimbursement will be granted up to the annual benefit you have chosen.
Although the company is based out of Chicago, Illinois, it offers coverage for clients across the United States. Markel American Insurance Company is backing the company as well as Independence American Insurance Company. Customers can go to any licensed veterinarian in any state that accepts the insurance. The company also offers a mobile app.
Lemonade offers a discount for multiple pets
While there are some limitations to Lemonade's plans, this insurer is highly competitive and offers customizable and competitively priced plans. Lemonade's fast claims processing is one of the key differences from 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 major benefit for pet owners. It is important to note that some of the plans don't cover pre-existing condition.
Lemonade provides multi-pet wellness plans for owners who have more than one animal. This package includes annual wellness exams, vaccinations and blood work. It also covers routine dentistry care. For multi-pet policies, you can get a discount of 5%.