When comparing pet insurance companies it is important to take into account a variety of factors. While coverage is crucial, so is the range of plans and add-ons. Higher scores are awarded for coverage that is more unique and diverse. Companies may offer greater customization options which can lower premium costs.
Embrace offers a 30-day satisfaction guarantee
If you are unhappy with your policy, Embrace provides a 30 day money-back guarantee. If customers cancel their policy within the first 30 days, they are entitled to a full reimbursement. 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 offers five deductible options. It also offers a Healthy Pet Deductible which rewards policyholders every year that they do not file a claim. This allows customers to keep their premiums down, and helps them save money if they have to file a claim.
Spot provides a 100 percent coverage option
Spot offers several coverage options for your pet. These include accident-only, 100%, or a combination. Get a quote online for free, enroll your pet and keep track of any claims. There is also a FAQ page and sample policies. If you prefer, you can also download an app for iOS or Android.
After your annualdeductible has been met Spot covers the majority of common vet costs for your pet. You have the option of a policy with a $2,500 flat deductible or a fully-covered policy without deductible. You can submit claims online and through the Spot application. 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 of coverage
Hartville offers three different levels of coverage to suit the needs of different pet owners. The base package covers routine annual examinations and dental cleaning. The prime policy covers more expensive medical services. The company offers multi-pet discounts and premiums that vary depending on the type of policy.
Hartville is a premium provider of pet insurance that offers a wide range of benefits and generous terms. However, the premiums are sometimes high and may not be within the budget of many pet owners. The company offers a mobile app that allows customers to manage their policy. Hartville merged in 2017 to the Crum and Foster Pet Insurance Group. It is one of America's largest pet insurance providers.
Figo provides 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. 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 receive 100% reimbursement up until the annual benefit you choose.
Although the company is based out of Chicago, Illinois, it offers coverage for clients across the United States. Markel American Insurance Company as well Independence American Insurance Company back the company. Customers can go to any licensed veterinarian in any state that accepts the insurance. A mobile app is also available.
Lemonade offers a discount for multiple pets
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 promises to process claims in just minutes, as opposed to taking weeks or months for other companies. This is a significant benefit for pet owners. Be aware that most of these plans do not provide coverage for pre-existing diseases.
Lemonade also offers multi-pet wellness plans if you have more than one pet. 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%.