We monitor bank, insurance, mortgage, and loan rates to help you find the top offers for your situation.
We monitor rates and review top providers so you can feel confident that you are getting a good price - whether that's a low rate on a loan, a good price on insurance, or a high APY on a deposit product. We've got you covered.
At Rates Chaser, we believe that choosing financial products shouldn’t feel like a gamble. We started this site because we saw a massive gap between the complex “fine print” of insurance policies and the real-world needs of real people.
Our mission is simple: To provide unbiased, data-driven comparisons that help you protect your finances without overpaying. We don’t just “chase” rates; we chase the best value for every unique pet family.
Insurance Coverage is led by Michael Wagner, who spent his career selling insurance as a licensed agent in all 50 states. Michael has over 15 years of experience in insurance.
Faye Travel Insurance stands out due to its genuinely impressive, digital-first experience that makes travel insurance user-friendly and non-anxiety-inducing. A significant strength is its financial security, with plans underwritten by U.S. carriers United States Fire Insurance Company and Great American Insurance Group, both holding the gold standard A+ rating from A.M. Best. Furthermore, the base plan offers strong emergency medical coverage, up to $250,000 for international trips, and a high limit of $500,000 for medical evacuation. The company also allows for policy customization with unique add-ons, including pet care coverage and a Cancel For Any Reason (CFAR) option.
The product offers excellent value and affordability. The pricing is genuinely competitive, often on the lower end of the average travel insurance cost, and its quote process is quick and transparent, providing precise numbers upfront with no hidden fees. Instead of confusing customers with multiple tiers, Faye offers a simplified single comprehensive plan that can be tailored with add-ons, making the decision process easier for most travelers. Additionally, families traveling together benefit from better per-person rates, and children under 18 often receive reduced rates.
Faye's mobile-first approach is arguably its greatest differentiator, boasting a high 4.7-star rating on Trustpilot. The app is packed with features that genuinely enhance the travel experience, such as real-time flight tracking with notifications, in-app claims filing, 24/7 live chat support with real humans, and access to a network of telemedicine doctors. The company is also noted for its innovative Digital Wallet system for quick reimbursements, which eliminates long waits for checks, and has received praise for proactive communication with some users, even suggesting they file claims for eligible expenses they may not have considered.
Get quotes on Faye's website.
Embrace Pet Insurance is a highly recommended product primarily because of its flexibility and unique, comprehensive coverage options. Pet parents can highly customize their plan by choosing from various annual deductibles ($100 to $1,000), reimbursement percentages (70%, 80%, or 90%), and annual limits (from $5,000 up to unlimited), allowing them to perfectly balance budget and protection. A major differentiator is their policy on curable pre-existing conditions, which become eligible for coverage if the pet goes 12 months symptom-free. Furthermore, their standard accident and illness plan refreshingly includes dental illness coverage up to $1,000 per year for issues like gingivitis and extractions, a feature often excluded or an extra charge with competitors.
The company offers significant stability and valuable supplemental features that enhance the policy's value. Embrace is backed by an underwriter, American Modern Insurance Group, which holds an A+ (Superior) rating for financial strength from AM Best, suggesting high confidence in their ability to pay claims. The policy includes complimentary coverage for comprehensive alternative therapies, such as acupuncture and physical therapy, at no extra cost. Pet parents also benefit from the free, 24/7 PawSupport pet health line, which provides round-the-clock access to veterinary professionals for advice and peace of mind.
Ultimately, Embrace is a solid choice for long-term pet owners seeking peace of mind and excellent customization. The company has a strong track record, covering 92% of all claims in 2024 and paying out more than $212.5 million in claims that year, demonstrating financial reliability. While it sits in the middle of the pack price-wise, the value is clear, especially for owners of young pets or breeds prone to hereditary conditions. Their commitment to customization, combined with the coverage for curable pre-existing conditions and included dental illness care, makes it a powerful option for those who prioritize extensive coverage over finding the absolute lowest premium.
Ethos's greatest advantage is its revolutionary approach to a traditionally complex industry, making the life insurance application process remarkably simple and fast. The platform delivers on its promise to strip away the usual friction, allowing healthy applicants to go from curious to covered in about ten minutes without ever needing to schedule a medical exam. This fully digital, no-exam approach eliminates a major barrier that causes people to delay or avoid getting the coverage they need, making life insurance accessible and straightforward for busy individuals, especially millennials and Gen-Xers.
The second core strength is the security and peace of mind derived from its partner carriers. While Ethos is a licensed broker and not the underwriter itself, every policy is backed by established, financially strong insurance companies like Banner Life, Ameritas, Protective Life, and TruStage. These partners consistently carry an A (Excellent) rating or higher from AM Best, ensuring that the policies have solid financial backing. Furthermore, the complaint ratios for these carriers run below industry averages, meaning you're not trusting your family's future to a startup, but to insurers with decades of claims-paying history.
Finally, Ethos offers a strong overall value proposition built on convenience and extra perks. Their pricing is competitive, often matching or beating other digital-first competitors, particularly for young, healthy applicants. The platform adds value by including free access to will and estate planning tools with a policy purchase. This combination of a streamlined application, competitive rates for the target demographic, and added benefits, all backed by a 30-day money-back guarantee, creates a compelling case for those who prioritize a quick, secure, and hassle-free way to protect their loved ones.
Amica stands out in the auto insurance landscape primarily due to its unrivaled commitment to customer service and claims satisfaction. The company consistently earns top industry accolades, including the highest score in J.D. Power's 2024 U.S. Customer Satisfaction Survey and a top-tier rating for its claims process. This reputation is backed by an A+ accreditation from the Better Business Bureau. For drivers, this means a reliable, smooth, and hassle-free experience when it matters most—after an accident—with 24/7 claims support and quick payment processing times. Amica is the choice for those who value peace of mind and quality treatment over finding the absolute lowest price.
A significant point of distinction is Amica’s structure as a mutual insurance company, meaning it is owned by its policyholders, not external shareholders. This fundamental difference aligns the company's financial interests directly with its customers. If the company performs well, policyholders with a dividend-paying policy can receive a portion of their premium back, typically ranging from 5% to 20% annually. This unique feature can significantly reduce the long-term, out-of-pocket cost of the insurance, making the initial higher premiums a worthwhile investment for financially stable drivers who plan to maintain a long-term relationship with their insurer.
Furthermore, Amica offers comprehensive coverage options and generous discount opportunities that make its premium cost more manageable. The company provides all standard coverages, complemented by the Platinum Choice Auto package, which bundles valuable extras like new car replacement, full glass coverage, and identity fraud monitoring. Critically, Amica offers an extensive menu of discounts—including up to 30% for bundling auto and home, and a loyalty discount—that can substantially narrow the price gap compared to competitors. For homeowners and drivers with clean records who can maximize these savings, Amica delivers high-quality protection and service that justifies its premium price point.
The news our team is chasing today.
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