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 higher score is the more varied and unique coverage. Companies may offer greater customization options which can lower premium costs.
Embrace offers a 30-day money-back guarantee
If you are unhappy with your policy, Embrace provides a 30 day money-back guarantee. Customers who cancel within the first 30 day of their policy are eligible for a full refund. Cancellations that are more than 60 days old cannot be refunded. Embrace's policy doesn't cover pre-existing conditions. Before enrolling your pet, make sure to 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 allows customers to keep their premiums down, and helps them save money if they have to file a claim.
Spot offers a full (100%) coverage option
Spot offers multiple coverage options for pets, including accident-only or 100% coverage. You can also combine both. It is easy to get a quote online and enroll your pet. You can also find a detailed 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 claims can be submitted through the Spot app or online. Once you have submitted the claim, Spot will contact the veterinarian for your pet's medical records. Spot offers a 10% multi-pet discount if you have more than one pet.
Hartville has three levels of coverage
Hartville offers three levels of coverage that will suit different pet owners. The basic package includes routine annual exams and dental cleaning. The prime plan covers more costly medical services. 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 can be prohibitively high, and not everyone can afford them. The company also offers a mobile application which allows customers to manage and update their policies. Hartville was merged in 2017 with Crum and Foster Pet Insurance Group. This is the U.S.'s largest provider of pet insurance.
Figo gives you unlimited payouts
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 receive 100% reimbursement up until 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. A mobile app is also available.
Lemonade offers multi-pet discounts
Lemonade offers a range of plans that can be customized, and they are competitively priced. There are limitations. Lemonade's fast claims processing is one of the key differences from other pet 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 a significant benefit for pet owners. But, many plans do not cover pre-existing medical conditions.
Lemonade provides multi-pet wellness plans for owners who have more than one animal. This package covers annual wellness exams, vaccinations, and blood work. It also covers routine dental care. For multi-pet policies, you can get a discount of 5%.