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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 just lately, they’ve launched their Mint Wellness plan, a novel pet insurance coverage various possibility for pet dad and mom all over the place.
Relatively than specializing in protecting extraneous vet prices, Mint Wellness supplies protection and reductions for routine veterinary care. The plan is offered at set charges to all sorts of pets, irrespective of their age or species. Better of all, no pet could be denied primarily based 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 Assessment
Execs
- Charges don’t change primarily based on age
- All sorts of pets are accepted
- No exclusions for preexisting situations
- No ready interval
- Contains 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 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 supplies 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 while 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 a fantastic possibility for house owners who might 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 very good possibility for house owners of puppies, aged pets, and people with pre-existing situations. Whereas it doesn’t cowl extraneous take care of these pets, it should cowl routine care to carry the general monetary burden of vet care down.
Mint Wellness is offered in three plan varieties. The Fundamental possibility covers widespread routine care companies, whereas the Important and Premium plans cowl further 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 price of care. Contemplating the month-to-month value, the utmost complete reimbursement for every plan is on the decrease aspect in comparison with sickness and accident plans.
Mint Wellness is offered for pets in all states and can be utilized by any veterinarian. Nevertheless, the bonus Veterinary Low cost protection is simply relevant to collaborating vets.
Pricing & Plans (Up to date in 2024)
Pet Insurance coverage Price Comparability
| Firm | Pattern Month-to-month Price For Canines | 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 Fundamental Plan. This plan prices $18 per thirty days no matter pet kind, age, and well being standing.
The Fundamental plan supplies 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 will probably be coated as much as $100.
The plan has a most reimbursement of $350. The Important and Premium plans prolong protection to further routine care gadgets and every has a better most yearly reimbursement.
Customizations
Pet Guarantee’s Mint Wellness Plans are designed to be uncomplicated. That signifies that the worth for every tier possibility is similar for everybody. Whether or not you might have 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 Fundamental Plan covers 4 routine veterinary companies. It has a most annual reimbursement of $350.
The Important Plan prices $34 per thirty days and covers an extra three routine companies. This plan additionally presents 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 should reimburse as much as $100 for dental care. This plan additionally carries greater 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
| Fundamental | Important | Premium | |
| Month-to-month Price | $18 | $34 | $57 |
| Annual Price | $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 must be met earlier than the plan will kick in. Relatively, 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 unique variety of routine companies.
For a wholesome grownup cat, the Fundamental Plan is likely to be the most suitable 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.
| Companies | Fundamental | 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 |
*Fundamental 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
- 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 primarily based on pre-existing situations or well being standing.
Nevertheless, these situations won’t be coated by the pet wellness plan since they don’t fall into the class of “routine care.”
When you’ve got a cat with a pre-existing situation, choosing a Mint Wellness plan may help you lower your expenses by protecting routine care so you might 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 might have a possibility to avoid wasting on pre-existing situation care, as effectively. All you need to do is select a collaborating veterinarian to your cat and also you’ll obtain as much as 25% off all care, no matter what it’s for.
Ready Durations
One beauty of Mint Wellness is there is no such thing as a ready interval for protection to start out. Meaning 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 coated.
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.
Evaluations from Prospects
Prospects can’t say sufficient about how straightforward it’s to get reimbursements by way of their Mint Wellness plans. Most haven’t 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. Nevertheless, this varies by location. Prospects in areas that have greater 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 price about $1,400, which is far more than the Mint Wellness Premium plan’s most dental reimbursement.
Prospects even have combined 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.
Total, pet dad and mom who used probably the most routine care companies over the 12 months appeared probably the most glad 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, contemplate 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 presents.
Continuously Requested Questions (FAQ)
What sorts of pets are coated by the Mint Wellness Plan?
Mint Wellness covers any kind of animal apart from people. The price is similar 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 possibly can obtain on the spot reductions on vet companies while you take your pet to a collaborating 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 will help you lower your expenses on veterinary prices you realize you’ll encounter every year.
Whereas this plan is probably not definitely 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 selection for kittens and senior cats who require further face time with their vet and are sometimes topic to extra routine care companies akin to vaccinations, blood work, and dentals.
Mint Wellness is available in three plan varieties with varied companies coated below every. The value for each plan is about and doesn’t change primarily based in your pet’s breed, well being standing, age, gender, or preexisting situations. Better of all, these plans shouldn’t have a deductible and are lively the second you join.
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