It's important to look at a wide range of factors when comparing pet insurers. The amount of coverage is an important factor, as is the availability of wellness add-ons and plans. 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 aren't satisfied with the policy, Embrace offers a 30-day money-back guarantee. Customers are also entitled to a full refund if they cancel their policy in the first 30 days. Cancellations made after 60 days will not be reimbursed. 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 levels. It also offers a Healthy Pet Deductible, which rewards policyholders for each year without a claim. This helps customers keep their premiums down and save money if they ever need to file a claim.
Spot offers full coverage at 100 percent
Spot offers multiple coverage options for pets, including accident-only or 100% coverage. You can also combine both. It is easy to get a quote online and enroll your pet. 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. You can choose from a policy that has a flat deductible of $2,500, or one that is fully covered with no 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. Spot offers a 10% discount for multiple pets.
Hartville offers three levels for coverage
Hartville provides three levels of coverage to meet the needs of pet owners. The base plan covers routine annual visits and dental cleaning. While the prime plan covers more expensive medical expenses. The premiums for each type of policy will differ, but the company offers 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. 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 allows you to choose from unlimited annual benefits or a deductible as low as $500. After that, you will receive 100% reimbursement, up the amount 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 see a licensed veterinarian from any state that accepts the insurance company. The company also offers a mobile app.
Lemonade offers a multi-pet discount
Lemonade is a highly competitive insurer that offers customizable plans and low prices. However, there are limitations to its plans. The company's ability to quickly process claims is one of its major advantages over other pet health 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 provides multi-pet wellness plans for owners who have more than one animal. This package covers annual wellness exams, vaccinations, and blood work. This package also includes routine dental care. Moreover, a multi-pet discount of 5% is available for multi-pet policies.