It is important to compare pet insurance companies. The amount of coverage is an important factor, as is the availability of wellness add-ons and plans. The higher score is the more varied and unique coverage. Some companies offer more customization options, which can 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 are also entitled to a full refund if they cancel their policy in the first 30 days. Cancellations that are more than 60 days old cannot be refunded. Embrace's policy does not cover pre-existing conditions, so you should make sure you have an updated veterinary record before enrolling your pet.
Embrace provides five deductible levels. It also offers a Healthy Pet Deductible, which rewards policyholders for each year without a claim. This helps customers keep their premiums down and save money if they ever need to file a claim.
Spot provides a 100 percent coverage option
Spot offers multiple coverage options for pets, including accident-only or 100% coverage. You can also combine both. You can request a free quote online, sign up your pet, track claims, and even get a tracking number. 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. There are two options: a plan that has a flat $2,500 deductible, or a fully insured policy with no deductible. Online claims can be submitted through the Spot app or online. Spot will contact a veterinarian to provide your pet's medical records after you submit the claim. Spot provides a 10% discount for multiple pets.
Hartville offers three levels of coverage
Hartville provides three levels of coverage to meet the needs of 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. Customers can manage their policies using a mobile app. Hartville was merged in 2017 with Crum and Foster Pet Insurance Group. This is the U.S.'s largest provider of pet insurance.
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. With Figo, you can choose from an unlimited number of annual benefits, or you can choose to pay a deductible of as little as $500. After that, you'll receive 100% reimbursement, up to the annual benefit you choose.
The company is located in Chicago, Illinois but provides coverage to clients throughout the country. Markel American Insurance Company as well Independence American Insurance Company back the company. Customers can see a licensed veterinarian from any state that accepts the insurance company. The company also offers a mobile application.
Lemonade offers multi-pet discounts
While there are some limitations to Lemonade's plans, this insurer is highly competitive and offers customizable and competitively priced plans. The company's ability to quickly process claims is one of its major advantages over other pet health insurance companies. Lemonade claims processing times are lightning fast. While other companies may take weeks, or even months to process a case, Lemonade promises that they will process it in minutes. This is an important benefit for pet parents. However, be aware that many of its plans exclude coverage for pre-existing conditions.
Lemonade also offers multi-pet wellness plans if you have more than one pet. This package includes an annual wellness exam, vaccinations, and bloodwork. It also covers routine dental care. For multi-pet policies, you can get a discount of 5%.