It is important to compare pet insurance companies. While coverage is crucial, so is the range of plans and add-ons. The higher score is the more varied and unique coverage. Some companies offer more customization options to reduce premium costs.
Embrace offers a 30-day satisfaction guarantee
If you aren't satisfied with the policy, Embrace offers a 30-day money-back guarantee. Customers can also cancel their policy within 30 days to receive a full refund. Cancellations made after 60 days will not be reimbursed. Embrace's policy doesn't cover pre-existing conditions. Before enrolling your pet, make sure to have a current veterinary record.
Embrace offers five deductible options. It also offers a Healthy Pet Deductible, which rewards policyholders for each year without a claim. This allows customers to keep their premiums down, and helps them save money if they have to file a claim.
Spot also offers 100 percent coverage
Spot provides a range of coverage options to your pet. This includes accident-only coverage, 100% coverage and a combination of both. You can request a free quote online, sign up your pet, track claims, and even get a tracking number. There is also a FAQ page and sample policies. If you'd rather, you can download an app for iOS and Android.
Spot covers most common vet costs for your pet after your annual deductible has been met. You can choose between a plan with a flat deductible of $2,500 or a fully covered policy with no deductible. You can make claims online or via the Spot app. Spot will contact the vet to verify your pet's records once you submit the claim. Spot offers 10% discounts for multiple pets.
Hartville offers three levels of coverage
Hartville offers three levels in coverage to best suit pet owners' needs. The base plan covers routine annual visits and dental cleaning. While the prime plan covers more expensive medical expenses. The premiums for each type of policy will differ, but the company offers a discount for multiple pets.
Hartville is a premium insurance provider for pets. They offer a wide variety of benefits as well as generous policy terms. However, the premiums are sometimes high and may not be within the budget of many pet owners. Customers can manage their policies using a mobile app. Hartville merged in 2017 to the Crum and Foster Pet Insurance Group. It is one of America's largest pet insurance providers.
Figo offers uncapped 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.
The company is based in Chicago, Illinois, but offers coverage to clients all over the country. The company is backed by two major insurance companies, Markel American Insurance Company and Independence American Insurance Company. Customers can see any licensed veterinarian from any state that recognizes the insurance company. A mobile app is also available.
Lemonade offers multi-pet discounts
Lemonade is a highly competitive insurer that offers customizable plans and low prices. However, there are limitations to its plans. 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 big benefit for pet owner. Be aware, however, that not all plans cover pre-existing conditions.
If you have more than one pet, Lemonade offers a multi-pet wellness plan. This package includes annual wellness examinations, vaccinations, as well as blood work. This package also includes routine dental care. Multi-pet policies are eligible for a 5% discount.