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 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 refund guarantee
Embrace offers a money-back guarantee for 30 days if you're not satisfied with the policy. Customers can also cancel their policy within 30 days to receive a full refund. Cancellations that are more than 60 days old cannot be refunded. Embrace's policy doesn't cover pre-existing conditions. Before enrolling your pet, make sure to have a current veterinary record.
Embrace offers five deductibles. The policy also includes a Healthy Pet Deductible that rewards policyholders who have not filed a claim in the past year. This helps customers keep their premiums down and save money if they ever need to file a claim.
Spot also offers 100 percent coverage
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. An app can be downloaded for Android or iOS.
After you have met your annual deductible, Spot will pay for most vet bills. 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 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 offers a 10% multi-pet discount if you have more than one pet.
Hartville offers three levels in coverage
Hartville offers three levels of coverage that will suit different 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 for each type of policy will differ, but the company offers a discount for multiple pets.
Hartville offers premium pet insurance and a generous policy term. The premiums can be prohibitively high, and not everyone can afford them. The company offers a mobile app that allows customers to manage their policy. Hartville merged in 2017 to the Crum and Foster Pet Insurance Group. It is one of America's largest pet insurance providers.
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 receive 100% reimbursement up until the annual benefit you choose.
Although the company is based out of Chicago, Illinois, it offers coverage for clients across the United States. The company is backed by two major insurance companies, Markel American Insurance Company and Independence American Insurance Company. Customers can go to any licensed veterinarian in any state that accepts the insurance. The company also has 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. One of its key differentiators from other pet health insurance companies is its quick claims processing. 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 significant benefit for pet owners. 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 can also be eligible for a discount of 5%.