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 score will be higher if the coverage is unique and varied. Certain companies offer more customization options that can help lower premiums.
Embrace offers a 30-day refund guarantee
If you aren’t happy with your policy from Embrace, there is a 30-day money back guarantee. Customers also have the right to a complete refund if they cancel within the first thirty 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. This rewards policyholders for every year without filing a claim. Customers can keep their premiums low and save money in the event of a claim.
Spot also offers 100 percent coverage
Spot offers multiple coverage options for pets, including accident-only or 100% coverage. You can also combine both. Online quotes are free and you can enroll your pet. You can also track claims. There is also a FAQ page and sample policies. You can also download apps for Android and iOS.
After your annualdeductible has been met Spot covers the majority of common vet costs for your pet. 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 a veterinarian to provide your pet's medical records after you submit the claim. Spot offers 10% discounts for multiple pets.
Hartville offers three levels coverage
Hartville offers three levels in coverage to best suit pet owners' needs. 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 is a premium provider of pet insurance that offers a wide range of benefits and generous terms. The premiums can be prohibitively high, and not everyone can afford them. Fortunately, the company has a mobile application that allows customers to manage their policies. Hartville merged into Crum and Foster Pet Insurance Group (one of the largest U.S. pet insurers) in 2017.
Figo has unlimited payouts
Figo offers unlimited payout benefits that are not tied down to any condition. Customers can receive as many funds as they need to cover 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 will receive 100% reimbursement, up the amount you choose.
Although the company is based out of Chicago, Illinois, it offers coverage for clients across the United States. Two major insurance companies support the company, Markel American Insurance Company (IL) and Independence American Insurance Company (IL). Customers can see a licensed veterinarian from any state that accepts the insurance company. A mobile app is also available.
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. Lemonade promises to process claims within minutes. Many companies take weeks, sometimes even months, to process a claim. This is a major benefit for pet owners. Be aware that most of these plans do not provide coverage for pre-existing diseases.
If you have more than one pet, Lemonade offers a multi-pet wellness plan. This package includes annual wellness exams, vaccinations and blood work. It also covers routine dental treatment. Moreover, a multi-pet discount of 5% is available for multi-pet policies.