Current Pet Insurance Rankings
One thing that MetLife does uniquely from other pet insurance products is that they really promote to pet parents who have multiple furry children. In their registration process, the option to select and enter more than one pet is very straightforward and easy to accomplish. Along with that, there are many options to get the lowest monthly price for the most coverage.
Easy to add multiple pets
Very short waiting period
Claims processed within 10 days
Wellness add-on is expensive
Organ transplants not covered
Medicated baths not covered
Your options have options with Wagmo. You get a normal pet plan with options for pet wellness, emergency care or both to get with your normal plan. And there are bonus stipends for grooming, dental care, and flea/tick/heartworm medication.
Venmo & Paypal payouts
Pays “up to 100%” of the bill
Must cancel in writing
Dental surgeries not covered
Preventative is part of wellness plan
Fetch has a simple accident and illness plan. No wellness, no preventative, no vaccinations. But they do cover lots of tests: X-rays, CT scans, and ultrasounds. Looking for an affordable plan that covers just what you need, take a look at Fetch by the Dodo.
Available in the US and Canada
Claims processed immediately on account
Customizable rate, deductible and annual max
No add-ons for wellness or preventative care
No coverage for holistic or physical therapy
Claims process can be very thorough
Lemonade is quickly becoming one of the most well-known brands for insurance. Rent, home, and now, pet. Lemonade starts at a low price for young, healthy pets with add-ons for preventative and wellness treatment. Other options include heartworm, fecal and blood tests, vet visits, and end-of-life care. You can go to any vet you want with Lemonade.
Covers a lot of services, procedures and medications
Great wellness and preventative care add-on
Also has add-on for end-of-life care
Difficult to get for older pets
Not clear on whether some services are covered or not
Price is close to competitors with same coverage
When you register for Embrace, you can customize the annual max limit, deductible, and reimbursement percentage so you can get the most manageable monthly price for your budget. Along with the multiple options for your plan are the multiple options to submit and receive your claims. By far, Embrace is the most well-rounded plan out there.
No Networks. Visit any vet you want
Adjustable annual max and deductible
Adjustable reimbursement percentage
Preventative care not covered
No reimbursement for some supplements
Limited payout options