It's important to look at a wide range of factors when comparing pet insurers. It is important to consider the level of coverage, but also the options for wellness add-ons. The higher score is the more varied and unique coverage. Certain companies offer more customization options that can help lower 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 also have the right to a complete refund if they cancel within the first thirty days. Cancellations of more than 60 calendar days in advance will not be eligible for a full refund. Embrace does not cover preexisting conditions. You should have a current veterinary file before you enroll your pet.
Embrace offers five deductible levels. It also offers a Healthy Pet Deductible. This rewards policyholders for every year without filing a claim. This allows customers to keep their premiums down, and helps them save money if they have to file a claim.
Spot offers full coverage (100%)
Spot offers many coverage options, including 100% coverage, accident-only and 100% coverage. Online quotes are free and you can enroll your pet. You can also track claims. The site also has a FAQ page as well as sample policies. If you'd rather, you can download an app for iOS and Android.
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. Online or via the Spot App, you can file claims. Spot will contact your veterinarian to obtain the medical records of your pet once you have submitted the claim. Spot offers 10% discounts for multiple pets.
Hartville offers three levels in coverage
Hartville offers three levels of coverage that will suit different pet owners. The basic package includes routine annual exams and dental cleaning. The prime plan covers more costly medical services. The premiums vary depending on which type of policy you select, and the company offers a multi-pet discount.
Hartville offers premium pet insurance and a generous policy term. The premiums can be prohibitively high, and not everyone can afford them. Customers can manage their policies using a mobile app. Hartville merged in 2017 to the Crum and Foster Pet Insurance Group. It is one of America's largest pet insurance providers.
Figo offers uncapped payout benefits
Figo's unconditional payout benefits are unrestricted and not tied to any specific condition. Customers can get as much money they need to pay their vet bills. Figo lets you choose between unlimited annual benefits, or a deductible that is as small as $500. Then, 100% reimbursement will be granted up to the annual benefit you have chosen.
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 see any licensed veterinarian from any state that recognizes the insurance company. The company also provides a mobile app.
Lemonade offers a multi-pet discount
While there are some limitations to Lemonade's plans, this insurer is highly competitive and offers customizable and competitively priced plans. One of its key differentiators from other pet health insurance companies is its quick claims processing. Lemonade promises to process claims in just minutes, as opposed to taking weeks or months for other companies. This is a significant benefit for pet owners. But, many plans do not cover pre-existing medical conditions.
Lemonade also offers multi-pet wellness plans if you have more than one pet. This package includes annual wellness examinations, vaccinations, as well as blood work. This package also includes routine dental care. Multi-pet policies are eligible for a 5% discount.