Wildly different insurance quotes

I have a 4 month old labradoodle.

Looking at insurance, I searched Reddit for advice, got a good list of places to get quotes. Also checked reviews on Reddit, Forbes, Consumer Reports.

I got quotes for the same level of coverage: unlimited max payout; 90% reimbursement; $500 deductible.

1 important factor for us is 24/7 ask-a-vet options. Only 3 have this as far as I can see: Prudent Pet, Spot and Pets Best.

The head scratcher is the monthly fee:

Prudent Pet:$33.03/month

Spot: $86.03/month

Pets Best:$84.33/month

That is a huge difference between Prudent Pet and the other 2.

Anyone have a plausible explanation??

Many thanks.

submitted by /u/rjewell40
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