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 mean more coverage. Some companies offer more customizable options which can reduce premiums.
Embrace offers a 30-day satisfaction guarantee
If you aren't satisfied with the policy, Embrace offers a 30-day money-back guarantee. 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 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 options. The policy also has a Healthy Pet Deductible. It rewards policyholders with a year of no claims. This helps customers save money and keeps their premiums lower.
Spot offers full coverage at 100 percent
Spot offers several coverage options for your pet. These include accident-only, 100%, or a combination. It is easy to get a quote online and enroll your pet. You can also find a detailed FAQ page and sample policies. An app can be downloaded for Android or iOS.
After your annualdeductible has been met Spot covers the majority of common vet costs for your pet. You have two options. A plan with a flat $2,500deductible or a fully protected policy with nodeductible. 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. If you have multiple pets, Spot offers a multi-pet discount of 10%.
Hartville offers three levels for coverage
Hartville offers three different levels of coverage to suit the needs of 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. 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 offers unlimited payout benefits
Figo's unlimited payout benefits do not tie to any one condition. This allows customers to get as much money as they need for 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 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. Two major insurance companies support the company, Markel American Insurance Company (IL) and Independence American Insurance Company (IL). Customers can visit any licensed veterinarian in any state that is accepted by the insurance company. The company also provides a mobile app.
Lemonade offers a discount for multiple pets
Lemonade offers a range of plans that can be customized, and they are competitively priced. There are limitations. 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. However, be aware that many of its plans exclude coverage for pre-existing conditions.
If you have more than one pet, Lemonade offers a multi-pet wellness plan. This package covers annual wellness exams, vaccinations, and blood work. It also covers routine oral care. Multi-pet policies can also be eligible for a discount of 5%.