In This Overview: Our Overview | Pricing & Plans | Deductibles & Claims | Protection | FAQ | Conclusion
Pet Guarantee is a veteran pet insurance coverage different 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 different possibility for pet dad and mom all over the place.
Moderately than specializing in overlaying extraneous vet prices, Mint Wellness offers protection and reductions for routine veterinary care. The plan is on the market at set charges to all sorts of pets, regardless of their age or species. Better of all, no pet might be denied primarily based on preexisting circumstances.
Our Remaining 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 Overview
Professionals
- Charges don’t change primarily based on age
- All sorts of pets are accepted
- No exclusions for preexisting circumstances
- No ready interval
- Consists of veterinary reductions
Cons
- Low most reimbursements
- Low caps per service sort
- 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 deal with accident and sickness protection, Mint Wellness covers routine care.
Not solely does it cowl annual exams, preventative care, and routine blood work, nevertheless it additionally offers a refund 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 once you take your pet to a collaborating 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 awesome possibility 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 an excellent possibility for house owners of puppies, aged pets, and people with pre-existing circumstances. Whereas it doesn’t cowl extraneous look after these pets, it’ll cowl routine care to deliver the general monetary burden of vet care down.
Mint Wellness is on the market in three plan sorts. The Primary possibility covers frequent routine care companies, whereas the Important and Premium plans cowl extra care your pet might have all year long.
Relying on the place you reside and the price of veterinary care there, the utmost reimbursement for every service sort might or might not cowl the complete value of care. Contemplating the month-to-month value, the utmost whole reimbursement for every plan is on the decrease facet in comparison with sickness and accident plans.
Mint Wellness is on the market for pets in all states and can be utilized by any veterinarian. Nevertheless, the bonus Veterinary Low cost protection is barely relevant to collaborating 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 | Be taught 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 sort, age, and well being standing.
The Primary plan offers protection for the commonest 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. As an example, the annual veterinary examination can 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 the next most yearly reimbursement.
Customizations
Pet Guarantee’s Mint Wellness Plans are designed to be uncomplicated. That signifies that the value for every tier possibility is similar for everybody. Whether or not you’ve gotten an 18-year-old cat, an eight-week-old pet, or a wholesome grownup chinchilla, you’ll pay simply $18 for the essential possibility.
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 the next 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 |
| Companies Coated | 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. Because of this there are not any deductibles that should be met earlier than the plan will kick in. Moderately, it may be used instantly to cowl any routine care included within the plan sort as much as the given most.
Claims might be submitted instantly by importing invoices to your account. Reimbursements are paid out shortly, sometimes 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 at the side of conventional pet insurance coverage.
Every plan sort covers a special variety of routine companies.
For a wholesome grownup cat, the Primary Plan could be the most suitable choice since routine vet care is more likely to embrace solely the naked minimal of companies. For a younger kitten, it might be value choosing the Important Plan to cowl extra vaccinations and early preventative care. And for a senior kitty, getting the Premium Plan could also be value it for that extra yearly wellness test and dental protection.
| Companies | 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 Take a look at | 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 12 months.
Coated
- Wellness visits
- Vaccinations
- Routine blood work and screening
- Grooming
- Preventatives like flea, tick, and heartworm
- Dentals
Not Coated
- Sickness
- Damage
- Emergencies
- Spay/Neuter
- Non-Preventative Medicines
Pre-Present Circumstances
As a result of Mint Wellness covers solely routine care, it doesn’t reject pets primarily based on pre-existing circumstances or well being standing.
Nevertheless, these circumstances 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 also help you get monetary savings by overlaying routine care so you’ve gotten 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’ve gotten a chance to avoid wasting on pre-existing situation care, as effectively. All it’s a must to do is select a collaborating veterinarian in 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 is no such thing as a ready interval for protection to begin. Meaning you’ll be able to signal your pet up within the morning and take them in for his or her wellness test 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 test for protection to kick in.
Opinions from Clients
Clients can’t say sufficient about how straightforward it’s to get reimbursements via their Mint Wellness plans. Most haven’t any hassle importing their invoices to their accounts and nearly all expertise very fast reimbursement charges—lower than 5 days!
The vast majority of clients are pleased with their protection and reimbursement charges. Nevertheless, this varies by location. Clients in areas that have larger prices for veterinary care report that Mint Wellness’ most reimbursement doesn’t all the time totally cowl the price of care. For instance, my canine’s final dental value about $1,400, which is far more than the Mint Wellness Premium plan’s most dental reimbursement.
Clients 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 neater time discovering collaborating vets than these in smaller cities and cities.
General, pet dad and mom who used essentially the most routine care companies over the 12 months appeared essentially 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 acquired in reimbursements.
Earlier than you join a pet insurance coverage plan, or a wellness plan like this one, think about how a lot you sometimes spend on routine care annually. If it’s a vital quantity, odds are you’ll profit from the protection Mint Wellness gives.
Regularly Requested Questions (FAQ)
What sorts of pets are lined by the Mint Wellness Plan?
Mint Wellness covers any sort of animal other than people. The associated fee is similar no matter pet sort, 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 sometimes acquired inside 5 days of submitting.
What’s the Veterinary Low cost Plan?
The Veterinary Low cost Plan is one other insurance coverage different supplied 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 once you take your pet to a collaborating veterinary apply.
Our Verdict
Mint Wellness is an insurance coverage different in contrast to most others on the market. It covers solely routine pet care that will help you get monetary savings on veterinary prices you recognize you’ll encounter annually.
Whereas this plan will not be well worth the premiums for pets who solely see the vet in emergencies, it’s a good possibility 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 corresponding to vaccinations, blood work, and dentals.
Mint Wellness is available in three plan sorts with varied companies lined beneath every. The value for each plan is ready and doesn’t change primarily based in your pet’s breed, well being standing, age, gender, or preexisting circumstances. Better of all, these plans don’t have a deductible and are energetic the second you enroll.
