In This Overview: Our Overview | Pricing & Plans | Deductibles & Claims | Protection | FAQ | Conclusion
Pet Guarantee is a veteran pet insurance coverage various firm that has been bringing pet house owners discounted take care of 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 dad and mom in all places.
Fairly 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 could be denied based mostly on preexisting circumstances.
Our Ultimate 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 based mostly 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 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 policy give attention to 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 contains 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 a terrific choice for house owners who could wrestle to pay excessive payments however have the additional funds to pay a set quantity for a pet wellness plan every month. It’s additionally a great choice for house owners of puppies, aged pets, and people with pre-existing circumstances. Whereas it doesn’t cowl extraneous take care of 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 choice covers frequent routine care companies, whereas the Important and Premium plans cowl further 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 kind could or could not cowl the complete price of care. Contemplating the month-to-month value, the utmost complete 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. Nonetheless, the bonus Veterinary Low cost protection is simply relevant to taking part vets.
Pricing & Plans (Up to date in 2024)
Pet Insurance coverage Price Comparability
| Firm | Pattern Month-to-month Price For Canine | Pattern Month-to-month Price 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 monthly no matter pet kind, 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 check or urinalysis. The reimbursement for every process is capped at a set most. As an illustration, the annual veterinary examination shall be lined as much as $100.
The plan has a most reimbursement of $350. The Important and Premium plans prolong protection to further routine care objects and every has the next most yearly reimbursement.
Customizations
Pet Guarantee’s Mint Wellness Plans are designed to be uncomplicated. That implies that the value 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 monthly and covers an extra three routine companies. This plan additionally provides the next reimbursement for vaccination. It has a most annual reimbursement of $650.
The Premium Plan prices $57 monthly 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 Price | $18 | $34 | $57 |
| Annual Price | $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 there aren’t any deductibles that must be met earlier than the plan will kick in. Fairly, it may be used instantly to cowl any routine care included within the plan kind as much as the given most.
Claims could be submitted instantly by importing invoices to your account. Reimbursements are paid out shortly, 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 side conventional pet insurance coverage.
Every plan kind covers a distinct variety of routine companies.
For a wholesome grownup cat, the Primary Plan may be the best choice since routine vet care is prone to embody solely the naked minimal of companies. For a younger kitten, it might 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 further 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 contains 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
- Damage
- Emergencies
- Spay/Neuter
- Non-Preventative Medicines
Pre-Current Circumstances
As a result of Mint Wellness covers solely routine care, it doesn’t reject pets based mostly on pre-existing circumstances or well being standing.
Nonetheless, these circumstances won’t be lined by the pet wellness plan since they don’t fall into the class of “routine care.”
When you have a cat with a pre-existing situation, choosing a Mint Wellness plan can assist 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 contains Pet Guarantee’s Veterinary Low cost Plan, you may have a chance to save lots of on pre-existing situation care, as nicely. All it’s a must to 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 Durations
One wonderful thing about Mint Wellness is there is no such thing as a ready interval for protection to begin. Which means you possibly can 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 information to be transferred or a well being verify for protection to kick in.
Critiques from Clients
Clients can’t say sufficient about how straightforward it’s to get reimbursements by way of their Mint Wellness plans. Most don’t have any bother importing their invoices to their accounts and virtually all expertise very fast reimbursement charges—lower than 5 days!
The vast majority of clients are pleased with their protection and reimbursement charges. Nonetheless, 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 absolutely cowl the price of care. For instance, my canine’s final dental price about $1,400, which is way more than the Mint Wellness Premium plan’s most dental reimbursement.
Clients even have combined opinions on the Veterinary Low cost Plan portion of the protection. Pet house owners in extremely populated areas seem to have a neater time discovering taking part vets than these in smaller cities and cities.
General, pet dad and mom who used essentially the most routine care companies over the yr 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 obtained in reimbursements.
Earlier than you join a pet insurance coverage plan, or a wellness plan like this one, take into account how a lot you usually spend on routine care annually. If it’s a important quantity, odds are you’ll profit from the protection Mint Wellness provides.
Regularly Requested Questions (FAQ)
What sorts of pets are lined by the Mint Wellness Plan?
Mint Wellness covers any kind of animal other than people. The fee is identical no matter pet kind, age, or gender.
The place can I take advantage of 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 possibly can obtain instantaneous reductions on vet companies if you take your pet to a taking part veterinary follow.
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 annually.
Whereas this plan will not be definitely worth the premiums for pets who solely see the vet in emergencies, it’s a good choice for individuals who are prudent about preventative care. It’s an particularly cost-effective alternative for kittens and senior cats who require further face time with their vet and are sometimes topic to extra routine care companies comparable to vaccinations, blood work, and dentals.
Mint Wellness is available in three plan sorts with numerous companies lined beneath every. The value for each plan is ready and doesn’t change based mostly in your pet’s breed, well being standing, age, gender, or preexisting circumstances. Better of all, these plans would not have a deductible and are lively the second you enroll.
