In comparing pet insurance companies, it's important to consider a range of factors. For example, the amount of coverage is important, but so is the variety of plans and wellness add-ons. Higher scores mean more coverage. Some companies offer more customization options to 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 who cancel within the first 30 day of their policy are eligible for a full refund. Cancellations of more than 60 calendar days in advance will not be eligible for a full refund. Embrace's policy doesn't cover pre-existing conditions. Before enrolling your pet, make sure to have a current veterinary record.
Embrace provides five deductible levels. The policy also includes a Healthy Pet Deductible that rewards policyholders who have not filed a claim in the past year. This reduces customers' premiums and allows them to save money if needed.
Spot offers full coverage at 100 percent
Spot offers several coverage options for your pet. These include accident-only, 100%, or a combination. You can request a free quote online, sign up your pet, track claims, and even get a tracking number. This site includes a FAQ page, sample policies, and a comprehensive FAQ. If you'd rather, you can download an app for iOS and Android.
After your annualdeductible has been met, Spot covers most pet 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. Online claims can be submitted through the Spot app or online. Spot will contact the vet to verify your pet's records once you submit the claim. Spot provides a 10% discount for multiple pets.
Hartville offers three levels for coverage
Hartville offers three levels in coverage to best suit pet owners' needs. The base package covers routine annual examinations and dental cleaning. The prime policy covers more expensive medical services. You can choose from a variety of policies and your premiums will vary. The company also offers discounts for multiple pets.
Hartville is a premium insurance provider for pets. They offer a wide variety of benefits as well as generous policy terms. The premiums are often high and may not fit into many pet owners' budgets. Customers can access their policies via a mobile application. Hartville merged into Crum and Foster Pet Insurance Group (one of the largest U.S. pet insurers) in 2017.
Figo offers uncapped 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 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.
The company is located in Chicago, Illinois but provides coverage to clients throughout the country. Two major insurance companies support the company, Markel American Insurance Company (IL) and Independence American Insurance Company (IL). Customers can go to any licensed veterinarian in any state that accepts the insurance. The company also offers a mobile application.
Lemonade offers a discount on multiple pets
Lemonade is a highly competitive insurer that offers customizable plans and low prices. However, there are limitations to its plans. Lemonade's fast claims processing is one of the key differences from other pet 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 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 an annual wellness exam, vaccinations, and bloodwork. This package also includes routine dental care. Multi-pet policies are eligible for a 5% discount.