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 choice for pet mother and father in all places.
Reasonably than specializing in protecting extraneous vet prices, Mint Wellness offers protection and reductions for routine veterinary care. The plan is on the market at set charges to all forms of pets, irrespective of their age or species. Better of all, no pet may be denied primarily based on preexisting circumstances.
Our Remaining Verdict
We give Pet Guarantee Mint Wellness Insurance coverage a score of 4.5 out of 5 stars.
Pet Guarantee Insurance coverage Mint Wellness Plan Evaluation
Execs
- Charges don’t change primarily based on age
- All forms of pets are accepted
- No exclusions for preexisting circumstances
- No ready interval
- Contains 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, however it additionally offers 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 providers whenever you take your pet to a taking part supplier. These financial savings can be utilized on prime 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 could 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 a superb 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 should cowl routine care to deliver the general monetary burden of vet care down.
Mint Wellness is on the market in three plan varieties. The Fundamental choice covers frequent routine care providers, 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 sort could or could not cowl the total value of care. Contemplating the month-to-month value, the utmost whole reimbursement for every plan is on the decrease aspect 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 just 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 Fundamental Plan. This plan prices $18 per 30 days no matter pet sort, age, and well being standing.
The Fundamental plan offers 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 might be lined as much as $100.
The plan has a most reimbursement of $350. The Important and Premium plans prolong protection to extra 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 value for every tier choice 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 fundamental choice.
Plans
The $18 Fundamental Plan covers 4 routine veterinary providers. It has a most annual reimbursement of $350.
The Important Plan prices $34 per 30 days and covers a further three routine providers. This plan additionally provides a better reimbursement for vaccination. It has a most annual reimbursement of $650.
The Premium Plan prices $57 per 30 days and covers all the identical providers 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 providers, 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 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. Because of this there aren’t any deductibles that must be met earlier than the plan will kick in. Reasonably, it may be used instantly to cowl any routine care included within the plan sort as much as the given most.
Claims may 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 together with conventional pet insurance coverage.
Every plan sort covers a distinct variety of routine providers.
For a wholesome grownup cat, the Fundamental Plan could be the best choice since routine vet care is prone to embody solely the naked minimal of providers. For a younger kitten, it could 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 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.
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 Medicines
Pre-Current 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 is not going to be lined 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 taking part veterinarian in 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 isn’t a ready interval for protection to start out. Which means 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.
Critiques from Prospects
Prospects can not say sufficient about how simple it’s to get reimbursements by 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. 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 value about $1,400, which is rather more than the Mint Wellness Premium plan’s most dental reimbursement.
Prospects even have blended critiques 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 mother and father who used probably the most routine care providers over the 12 months appeared probably the most glad with their Mint Wellness plan. Those that solely utilized some routine care providers 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 sometimes spend on routine care annually. If it’s a important quantity, odds are you’ll profit from the protection Mint Wellness provides.
Incessantly Requested Questions (FAQ)
What sorts of pets are lined by the Mint Wellness Plan?
Mint Wellness covers any sort of animal apart from people. The fee is similar no matter pet sort, age, or gender.
The place can I take advantage of my Mint Wellness Plan?
You should utilize Mint Wellness at any veterinarian you select. As soon as providers 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 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 providers whenever you take your pet to a taking part veterinary apply.
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 understand 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 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 providers akin to vaccinations, blood work, and dentals.
Mint Wellness is available in three plan varieties with numerous providers lined underneath 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 shouldn’t have a deductible and are lively the second you enroll.
