It is important to compare pet insurance companies. For example, the amount of coverage is important, but so is the variety of plans and wellness add-ons. The score will be higher if the coverage is unique and varied. Some companies offer more customizable options which can reduce premiums.
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 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'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 has five deductible levels. It also offers a Healthy Pet Deductible. This rewards policyholders for every year without filing a claim. This helps customers save money and keeps their premiums lower.
Spot offers full coverage at 100 percent
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. This site includes a FAQ page, sample policies, and a comprehensive FAQ. 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. You can choose from a policy that has a flat deductible of $2,500, or one that is fully covered with no deductible. You can submit claims online and through the Spot application. Once you have submitted the claim, Spot will contact the veterinarian for your pet's medical records. Spot provides a 10% discount for multiple pets.
Hartville offers three levels in coverage
Hartville offers three levels of coverage that will suit 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, a premium pet insurance provider, offers a variety 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. In 2017, Hartville merged with the Crum and Foster Pet Insurance Group, which is one of the largest pet insurance providers in the U.S.
Figo provides 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 offers unlimited benefits and a deductible up to $500. After that, you'll receive 100% reimbursement, up to the annual benefit you choose.
The company is based in Chicago, Illinois, but offers coverage to clients all over 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 has a mobile app.
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 promises to process your claims within minutes. This is a significant advantage over other companies that can take weeks or even months. This is an important benefit for pet parents. But, many plans do not cover pre-existing medical 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 dentistry care. Multi-pet policies can also be eligible for a discount of 5%.