When comparing pet insurance companies it is important to take into account a variety of factors. The amount of coverage is an important factor, as is the availability of wellness add-ons and plans. Higher scores mean more coverage. Companies may offer greater customization options which can lower premium costs.
Embrace offers a 30-day guarantee of your satisfaction
If you are unhappy with your policy, Embrace provides a 30 day money-back guarantee. Customers also have the right to a complete refund if they cancel within the first thirty days. Cancellations after 60 days are not eligible for a refund. Embrace's policy does not cover pre-existing conditions, so you should make sure you have an updated veterinary record before enrolling your pet.
Embrace offers five deductible options. The policy also has a Healthy Pet Deductible. It rewards policyholders with a year of no claims. This helps customers save money and keeps their premiums lower.
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. 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.
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. 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 provides a 10% discount for multiple pets.
Hartville offers three levels coverage
Hartville provides three levels of coverage to meet the needs of 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, premiums can sometimes be too high for pet owners. Fortunately, the company has a mobile application that allows customers to manage 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 has unlimited payouts
Unlike other pet insurance plans, Figo's unlimited payout benefits are not tied to a single condition, allowing customers to receive as much money as they need to cover their vet bills. Figo allows you to choose from unlimited annual benefits or a deductible as low as $500. After that, you will receive 100% reimbursement, up the amount you choose.
The company is located in Chicago, Illinois but provides coverage to clients throughout the country. Markel American Insurance Company as well Independence American Insurance Company back the company. Customers can see a licensed veterinarian from any state that accepts the insurance company. The company also has a mobile app.
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 huge benefit for pet owners. However, be aware that many of its plans exclude coverage for pre-existing conditions.
If you have more than one pet, Lemonade offers a multi-pet wellness plan. This package includes annual wellness checks, vaccinations, blood work, and more. This package also includes routine dental care. Multi-pet policies can also be eligible for a discount of 5%.