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 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 happy with your policy from Embrace, there is a 30-day money back guarantee. If customers cancel their policy within the first 30 days, they are entitled to a full reimbursement. Cancellations made after 60 days will not be reimbursed. 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 levels. The policy also includes a Healthy Pet Deductible that rewards policyholders who have not filed a claim in the past year. This helps customers save money and keeps their premiums lower.
Spot offers full coverage at 100 percent
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. The site also has a FAQ page as well as sample policies. You can also download apps for Android and iOS.
After your annualdeductible has been met, Spot covers most pet 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 or through the Spot app. Spot will contact your veterinarian once the claim has been submitted. Spot offers 10% discounts for multiple pets.
Hartville has three levels of coverage
Hartville offers three levels of coverage that will suit different 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 offers premium pet insurance and a generous policy term. The premiums are often high and may not fit into many pet owners' budgets. The company offers a mobile app that allows customers to manage their policy. Hartville merged with Crum and Foster Pet Insurance Group in 2017, which is one the largest U.S. pet insurance providers.
Figo offers 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 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 near Chicago, Illinois. However, clients can get coverage anywhere in the country. Markel American Insurance Company is backing the company as well as Independence American Insurance Company. Customers can visit any licensed veterinarian within the state that has accepted the insurance company. The company also offers a mobile application.
Lemonade offers multi-pet discounts
Lemonade has some limitations but it is highly competitive and offers customizable plans at a competitive price. The company's ability to quickly process claims is one of its major advantages over other pet health insurance companies. Lemonade promises to process claims within minutes. Many companies take weeks, sometimes even months, to process a claim. This is a big benefit for pet owner. However, be aware that many of its plans exclude coverage for pre-existing conditions.
Lemonade provides multi-pet wellness plans for owners who have more than one animal. This package includes annual wellness checks, vaccinations, blood work, and more. It also covers routine dental care. Moreover, a multi-pet discount of 5% is available for multi-pet policies.