Pet Guarantee is a veteran pet insurance coverage various firm that has been bringing pet house owners discounted look after over 25 years. They entered the market with the primary pet insurance coverage worker advantages program. Extra not too long ago, they’ve launched their Mint Wellness plan, a novel pet insurance coverage various choice for pet mother and father in every single place.
Slightly than specializing in overlaying extraneous vet prices, Mint Wellness gives protection and reductions for routine veterinary care. The plan is accessible at set charges to all kinds of pets, irrespective of their age or species. Better of all, no pet may be denied based mostly on preexisting situations.
Our Last Verdict
We give Pet Guarantee Mint Wellness Insurance coverage a ranking of 4.5 out of 5 stars.
Pet Guarantee Insurance coverage Mint Wellness Plan Evaluate
Professionals
- Charges don’t change based mostly on age
- All kinds of pets are accepted
- No exclusions for preexisting situations
- No ready interval
- Consists of veterinary reductions
Cons
- Low most reimbursements
- Low caps per service kind
- No sickness or emergency protection
About Mint Wellness by Pet Guarantee
Mint Wellness is a pet wellness plan, not pet insurance coverage. The place most canine and cat insurance coverage concentrate on accident and sickness protection, Mint Wellness covers routine care.
Not solely does it cowl annual exams, preventative care, and routine blood work, however it additionally gives a reimbursement for grooming, dental, and extra. This plan additionally consists of enrollment in Pet Guarantee’s Veterinary Low cost Plan. With this, you’ll obtain as much as 25% off veterinary companies if you take your pet to a taking part supplier. These financial savings can be utilized on high of reimbursements for routine care.
As a result of Mint Wellness reduces the price of anticipated veterinary care, it’s an amazing choice for house owners who might battle to pay excessive payments however have the additional funds to pay a set quantity for a pet wellness plan every month. It’s additionally choice for house owners of puppies, aged pets, and people with pre-existing situations. Whereas it doesn’t cowl extraneous look after these pets, it’ll cowl routine care to convey the general monetary burden of vet care down.
Mint Wellness is accessible in three plan sorts. The Primary choice covers frequent routine care companies, whereas the Important and Premium plans cowl extra care your pet may have all year long.
Relying on the place you reside and the price of veterinary care there, the utmost reimbursement for every service kind might or might not cowl the complete value of care. Contemplating the month-to-month worth, the utmost complete reimbursement for every plan is on the decrease aspect in comparison with sickness and accident plans.
Mint Wellness is accessible for pets in all states and can be utilized by any veterinarian. Nonetheless, the bonus Veterinary Low cost protection is just relevant to taking part vets.
Pricing & Plans (Up to date in 2024)
Pet Insurance coverage Value Comparability
Firm | Pattern Month-to-month Value For Canines | Pattern Month-to-month Value For Cats | Study Extra |
Pet Guarantee Mint Wellness | $18 | $18 | Get Quote |
Lemonade | $19.44 | $11.00 | Get Quote |
Spot | $36.54 | $16.51 | Get Quote |
Wagmo | $70.12 | $30.88 | Get Quote |
Trupanion | $29.70 | $12.22 | Get Quote |
Fetch | $26.89 | $11.93 | Get Quote |
Base Coverage
The bottom coverage for Mint Wellness is their Primary Plan. This plan prices $18 per thirty days no matter pet kind, age, and well being standing.
The Primary plan gives protection for the most typical annual veterinary bills, together with one wellness go to, two vaccinations, routine blood work, and a fecal take a look at or urinalysis. The reimbursement for every process is capped at a set most. For example, the annual veterinary examination will likely be lined as much as $100.
The plan has a most reimbursement of $350. The Important and Premium plans lengthen protection to extra routine care objects and every has a better most yearly reimbursement.
Customizations
Pet Guarantee’s Mint Wellness Plans are designed to be uncomplicated. That implies that the worth for every tier choice is identical for everybody. Whether or not you may have an 18-year-old cat, an eight-week-old pet, or a wholesome grownup chinchilla, you’ll pay simply $18 for the fundamental choice.
Plans
The $18 Primary Plan covers 4 routine veterinary companies. It has a most annual reimbursement of $350.
The Important Plan prices $34 per thirty days and covers a further three routine companies. This plan additionally gives a better reimbursement for vaccination. It has a most annual reimbursement of $650.
The Premium Plan prices $57 per thirty days and covers all the identical companies because the Important Plan, plus it’ll reimburse as much as $100 for dental care. This plan additionally carries larger reimbursement maximums for a lot of companies, together with grooming, wellness visits, and vaccinations. It has a most annual reimbursement of $1,100.
Plan Comparability
Primary | Important | Premium | |
Month-to-month Value | $18 | $34 | $57 |
Annual Value | $216 | $408 | $680 |
Most Reimbursement | $350 | $650 | $1,100 |
Providers Lined | 4 | 7 | 8 |
Veterinary Low cost Plan | Included | Included | Included |
Annual Deductible | None | None | None |
Ready Interval | None | None | None |
Deductibles & Claims
Mint Wellness is a straight protection plan. Which means that there are not any deductibles that must be met earlier than the plan will kick in. Slightly, it may be used instantly to cowl any routine care included within the plan kind as much as the given most.
Claims may be submitted instantly by importing invoices to your account. Reimbursements are paid out rapidly, usually inside 5 enterprise days.
What Does Mint Wellness by Pet Guarantee Cowl?
The Mint Wellness plan covers solely routine and anticipated veterinary prices. It doesn’t cowl sickness, accident, or injury-related veterinary bills. The plan can be utilized by itself or along with conventional pet insurance coverage.
Every plan kind covers a unique variety of routine companies.
For a wholesome grownup cat, the Primary Plan is likely to be the best choice since routine vet care is more likely to embody solely the naked minimal of companies. For a younger kitten, it could be price choosing the Important Plan to cowl extra vaccinations and early preventative care. And for a senior kitty, getting the Premium Plan could also be price it for that extra yearly wellness verify and dental protection.
Providers | Primary | Important | Premium |
Wellness Go to | 1 as much as $100 | 1 as much as $100 | 2 as much as $200 |
Vaccination | 2 as much as $100 | 3 as much as $150 | 4 as much as $200 |
Routine Blood Work | 1 as much as $100 | 1 as much as $100 | 1 as much as $100 |
Fecal Check | 1 as much as $50* | 1 as much as $50 | 1 as much as $50 |
Urinalysis | 1 as much as $50* | 1 as much as $50 | 1 as much as $50 |
Grooming | X | As much as $100 | As much as $200 |
Preventatives | X | As much as $100 | As much as $200 |
Dental | X | X | 1 as much as $100 |
*Primary Plan consists of 1 fecal or urinalysis per yr.
Lined
- Wellness visits
- Vaccinations
- Routine blood work and screening
- Grooming
- Preventatives like flea, tick, and heartworm
- Dentals
Not Lined
- Sickness
- Harm
- Emergencies
- Spay/Neuter
- Non-Preventative Drugs
Pre-Present Circumstances
As a result of Mint Wellness covers solely routine care, it doesn’t reject pets based mostly on pre-existing situations or well being standing.
Nonetheless, these situations won’t be lined by the pet wellness plan since they don’t fall into the class of “routine care.”
You probably have a cat with a pre-existing situation, choosing a Mint Wellness plan may help you lower your expenses by overlaying routine care so you may have extra funds to place towards care for his or her situation.
Moreover, since Mint Wellness consists of Pet Guarantee’s Veterinary Low cost Plan, you may have a possibility to save lots of on pre-existing situation care, as effectively. All you must do is select a taking part veterinarian on your cat and also you’ll obtain as much as 25% off all care, no matter what it’s for.
Ready Intervals
One beauty of Mint Wellness is there isn’t any ready interval for protection to start out. Meaning you’ll be able to signal your pet up within the morning and take them in for his or her wellness verify that afternoon and nonetheless be lined.
As a result of these plans aren’t affected by well being or age, you additionally don’t have to attend for medical data to be transferred or a well being verify for protection to kick in.
Opinions from Prospects
Prospects can’t say sufficient about how straightforward it’s to get reimbursements by way of their Mint Wellness plans. Most don’t have any hassle importing their invoices to their accounts and nearly all expertise very fast reimbursement charges—lower than 5 days!
The vast majority of prospects are proud of their protection and reimbursement charges. Nonetheless, this varies by location. Prospects in areas that have larger prices for veterinary care report that Mint Wellness’ most reimbursement doesn’t at all times absolutely cowl the price of care. For instance, my canine’s final dental value about $1,400, which is rather more than the Mint Wellness Premium plan’s most dental reimbursement.
Prospects even have blended evaluations on the Veterinary Low cost Plan portion of the protection. Pet house owners in extremely populated areas seem to have a better time discovering taking part vets than these in smaller cities and cities.
Total, pet mother and father who used probably the most routine care companies over the yr appeared probably the most happy with their Mint Wellness plan. Those that solely utilized some routine care companies ended up paying extra for his or her plan than they obtained in reimbursements.
Earlier than you join a pet insurance coverage plan, or a wellness plan like this one, think about how a lot you usually spend on routine care every year. If it’s a important quantity, odds are you’ll profit from the protection Mint Wellness gives.
Incessantly Requested Questions (FAQ)
What sorts of pets are lined by the Mint Wellness Plan?
Mint Wellness covers any kind of animal apart from people. The associated fee is identical no matter pet kind, age, or gender.
The place can I exploit my Mint Wellness Plan?
You should use Mint Wellness at any veterinarian you select. As soon as companies are rendered and paid for, you merely submit the bill for reimbursement from Pet Guarantee.
How are reimbursements paid out?
Reimbursements are paid out to the Venmo or Paypal account linked to your Mint Wellness account. Funds are usually obtained inside 5 days of submitting.
What’s the Veterinary Low cost Plan?
The Veterinary Low cost Plan is one other insurance coverage various provided by Pet Guarantee that’s included in all Mint Wellness Plans. With this addition, you’ll be able to obtain immediate reductions on vet companies if you take your pet to a taking part veterinary observe.
Our Verdict
Mint Wellness is an insurance coverage various not like most others on the market. It covers solely routine pet care that can assist you lower your expenses on veterinary prices you realize you’ll encounter every year.
Whereas this plan will not be well worth the premiums for pets who solely see the vet in emergencies, it’s a good choice for many who are prudent about preventative care. It’s an particularly cost-effective alternative for kittens and senior cats who require additional face time with their vet and are sometimes topic to extra routine care companies resembling vaccinations, blood work, and dentals.
Mint Wellness is available in three plan sorts with numerous companies lined below every. The worth for each plan is about and doesn’t change based mostly in your pet’s breed, well being standing, age, gender, or preexisting situations. Better of all, these plans do not need a deductible and are lively the second you enroll.