It's important that you consider many factors when comparing pet insurance providers. The amount of coverage is an important factor, as is the availability of wellness add-ons and plans. The score will be higher if the coverage is unique and varied. Certain companies offer more customization options that can help lower premiums.
Embrace offers a 30-day guarantee of your satisfaction
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. However, cancellations more than 60 days old will not 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 offers five deductible levels. It also offers a Healthy Pet Deductible, which rewards policyholders for each year without a claim. Customers can keep their premiums low and save money in the event of a claim.
Spot also offers 100 percent coverage
Spot offers a variety of coverage options for your pet, including accident-only coverage, a 100% coverage option, and a combination of both. Online quotes are free and you can enroll your pet. You can also track claims. There is also a FAQ page and sample policies. You can also download apps for Android and iOS.
After your annual deductible is met, Spot will cover most of your pet's 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 or via the Spot App, you can file claims. 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 coverage
Hartville provides three levels of coverage to meet the needs of pet owners. The base package covers routine annual exams and dental cleaning, while the prime plan provides coverage for more expensive medical services. The company offers multi-pet discounts and premiums that vary depending on the type of policy.
Hartville is a premium pet insurance provider that offers a range of benefits and generous policy terms. The premiums are often high and may not fit into many pet owners' budgets. The company also offers a mobile application which allows customers to manage and update 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 uncapped payout benefits aren't tied to any particular condition. Customers can receive as much money to pay for their vet bills as they require. Figo offers unlimited benefits and a deductible up to $500. After that, you will receive 100% reimbursement, up the amount 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 go to any licensed veterinarian in any state that accepts the insurance. The company also offers a mobile app.
Lemonade offers a multi-pet discount
Lemonade plans have some limitations, but this insurer is very competitive and offers customized and affordable plans. Lemonade is known for its fast claims processing, which is a key difference from other pet insurance providers. 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. Be aware, however, that not all plans cover pre-existing conditions.
Lemonade offers a multipet wellness plan if you have multiple pets. This package includes annual wellness checks, vaccinations, blood work, and more. It also covers routine dental treatment. Multi-pet policies can also be eligible for a discount of 5%.