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. The more diverse and unique the coverage, the higher the score. Certain companies offer more customization options that can help lower premiums.
Embrace offers a 30-day money back guarantee
If you aren’t happy with your policy from Embrace, there is a 30-day money back guarantee. 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 is not applicable to pre-existing medical conditions. This means that your pet will not be refunded if you do not have a current veterinary record.
Embrace offers five deductible options. 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 provides a 100 percent coverage option
Spot offers many coverage options, including 100% coverage, accident-only and 100% coverage. Get a quote online for free, enroll your pet and keep track of any claims. It also offers a comprehensive FAQ page and sample policies. An app can be downloaded for Android or iOS.
After your annual deductible is met, Spot will cover most of your pet's vet costs. There are two options: a plan that has a flat $2,500 deductible, or a fully insured policy with no deductible. Online or via the Spot App, you can file claims. Spot will contact your veterinarian once the claim has been submitted. Spot offers 10% discounts for multiple pets.
Hartville offers three levels in coverage
Hartville provides three levels of coverage to meet the needs of 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. However, pet owners may not have the means to pay the high premiums. 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 provides unlimited 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. After that, you'll receive 100% reimbursement, up to 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 see a licensed veterinarian from any state that accepts the insurance company. The company also has a mobile app.
Lemonade offers multi-pet discounts
Lemonade plans have some limitations, but this insurer is very competitive and offers customized and affordable 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 your claims within minutes. This is a significant advantage over other companies that can take weeks or even months. This is a major benefit for pet owners. However, be aware that many of its plans exclude coverage for pre-existing conditions.
Lemonade has a multi-pet wellness program. This package includes annual wellness examinations, vaccinations, as well as blood work. It also covers routine dentistry care. Moreover, a multi-pet discount of 5% is available for multi-pet policies.