Is It Less Expensive To Insure Multiple Pets
Multi-pet insurance can be less expensive than purchasing individual policies for each cat or dog, but this is not always the case. It is always good to compare estimates for both choices to ensure you are receiving the best price.
Some insurance providers will provide discounts if more than one pet is insured under the same policy, with reductions ranging from 5 percent to 15 percent on average.
Alternatively, some insurers may offer a fixed savings of approximately £12 per year for each additional pet you insure. As a result, the more pets you have, the more money you will save.
However, it is essential to note that there is usually a limit to the number of pets you may insure under a multi-pet insurance policy, typically between six and ten.
Best For Holistic Care: Figo
- Starting price: From $92 per year
- Deductible: $100 to $750
Figo is the friendliest insurer for pet parents who prefer to seek alternative treatments for their pets.
Base plan includes holistic care
Visit any licensed veterinarian
24/7 virtual vet visits available
30-day money-back guarantee
Exam fees not covered in base plan
Recommends an enrollment exam
Figo offers three pet insurance plans that cover accidents and injuries. Coverage is available in three tiersEssential, Preferred, and Ultimatethat include varying levels of annual coverage:
- Essential plan: $5,000
- Preferred plan: $10,000
- Ultimate plan: Unlimited
Figos accident and injury pet insurance policy includes coverage for the following treatments and services:
- Emergency services
- Holistic and alternative treatments
- Behavioral health
Figo has recently added a wellness plan to their mix. This is obtained by a Wellness Rider for preventative care and can be enhanced with the Extra Care Pack and Exam Fee power-ups.
Before you can use your coverage, youll have to wait one day for an injury visit and 14 days for an illness visit. Plus, some orthopedic conditions can have a six-month waiting period.
- Deductibles: $100 to $750
- Annual limits: $5,000 to unlimited
- Copays: 0 to 30%
- Waiting period: One day for illness, 14 days for accidents
- Network size: Unlimited
Cost Of Pet Insurance
Several factors impact the cost of pet insurance. Here are some of the biggest factors:
- Type of pet: The type of animal you have will affect the cost of your insurance. Typically, its slightly cheaper to insure cats than dogs.
- Pet breeds: Insurance companies will consider your pets breed when calculating your rate because certain animal breeds are more likely to experience health issues.
- Number of pets: Insuring multiple pets will be more expensive, but many insurance companies offer a discount for adding more than one pet to your policy.
- Type of coverage: Certain pet insurance policies are more expensive than others. For instance, an accident and illness policy is going to be more expensive than an accident-only policy simply because it offers more coverage.
- Amount of coverage: The higher your annual coverage limit is, the more expensive your policy will be. An unlimited coverage policy is usually the most expensive option you can buy.
- Deductible: Choosing a higher deductible will lower your monthly rate and vice versa. If you want affordable coverage, opting for a high deductible might be a good option if you can afford the out-of-pocket cost.
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Annual Policy Limit For All Claims
Well pay vets fees up to your chosen annual cover amount in one policy year. This means that you have an annual limit and each payable claim submitted will be deducted from this total.
There is no limit to the number of claims you can submit and you can submit claims until the annual limit has been reached.
Once you reach your annual limit in that policy year, youll not be able to make any more claims until you renew your policy and the amount becomes available again.This means that some chronic conditions, like epilepsy, can be covered year after year.
How Can I Find The Best Multi
To find the best multi-pet insurance policy its important to shop around and run several quotes to compare cover levels and prices. Bear in mind that it will be easier to find cover while your dog or cat is young and healthy compared to when your pet is older and/or has one or more medical conditions.
When comparing multi-pet insurance quotes, make sure you factor in exactly what youll be covered for and consider whether youd prefer a lifetime multi-pet insurance policy or a time-limited one. Remember that lifetime pet insurance is more expensive but provides a higher level of cover.
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The Typical Costs Of Pet Insurance
Naturally, not every pet will have the same monthly premiums for their insurance. The costs of pet insurance are calculated based on your pets species, age, size, and breed. Where you live is also a determining factor in what you pay each month.
Monthly premiums for a pet insurance policy can cost as little as $10, but you may not be getting very much coverage at that price. Similarly, you could spend as much as $100 or more per month on a single policy, but you may not want to pay for that much coverage if it puts too much of a strain on your budget.
Older pets cost more to insure, but they are also the most likely to need veterinary care. If you have a mix of older and younger pets at home , it may be a good idea to take advantage of a multiple pet discount so you can save on your older pets insurance costs.
About The Author: Kimberly Alt
Kimberly leads copy and research strategy for Canine Journal. She has more than a decade of professional writing and editing experience under her belt, including working for multiple newspapers, magazines, and websites. Some popular companies she has helped with include Better Homes & Gardens, Parents.com, and the International Brotherhood of Electric Workers.
Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. She is a member of Dog Writers Association of America, and her work has appeared in many notable brands, including The New York Times’ Wirecutter, Reader’s Digest, Forbes, People, Woman’s World, and Huffington Post.
In 2017, Kimberly and her husband adopted their Coonhound mix, Sally, from a local shelter. Sally is a great family dog and is gentle around Kimberly’s two children, who are completely infatuated with her. When Kimberly isn’t writing about all things dog, you can find her taking walks with her family, playing in her yard with her kids, trying a new recipe in the kitchen, exploring the national parks, and spending as much time outside as possible.
What We Cover
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Why Were Number 1 With Kiwis And Pets
At Southern Cross Pet Insurance, we’re New Zealands leading pet insurer and not to scratch behind our own ears were awfully proud of that. Were also chuffed to be a trusted partner of the New Zealand Veterinary Association and proud supporter of Pet Refuge.
We love looking after New Zealanders pets. And heres why Kiwis and their pets love us back:
Can I Customize My Policy For Each Pet
Even if your pets are on a single policy, you still may be able to select different deductible and reimbursement amounts for each pet. Some insurers may also let you choose a different plan type for each pet. For example, you could buy an accident-only plan for one pet and a comprehensive plan that covers accidents and illnesses for another.
The rules will vary by insurer, so check with your provider for more information.
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Which Other Companies Offer Multi
Below youll find an alphabetical listing of other companies weve reviewed that offer multi-pet discounts.
ASPCA Pet Health Insurance has a 10% multi-pet discount, which is the same as our #1 pick. So why didnt it make our top picks? Well, ASPCA Pet Health Insurance has longer waiting periods and more coverage restrictions than the competition.
Companion Protect offers the highest multi-pet discount, up to 15%. But why didnt we place it in our top picks? There is more to pet insurance than just price.
Companion Protect requires you to visit an in-network vet otherwise, your deductible is doubled. This isnt a common practice in the pet insurance industry. There are also fewer customization options to adjust your policy to fit your budget.
Hartville Pet Insurance is administered by Crum & Forster Insurance Agency . Hartville has a 10% multi-pet discount, but it has longer waiting periods, more coverage restrictions, and customers report lower reimbursements than expected.
How Do I Buy Multi
If you are a new customer click Get a quote, enter details for the first pet and click the Add another pet button on the form. You will be asked to select a plan for the initial pet, followed by any additional pets.
If you are an existing customer and would like to add a new pet, simply take out a policy online and email our team at with both policy numbers, your surname, date of birth, first line of address and postcode and we will update your policies to make sure they both receive the discount!
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What Should I Consider When Choosing Cat Insurance
Here are a few things to look out for when choosing the best cat insurance policy for your pet:
- Pre-existing conditions if your cat suffers from one of these, the treatment wont be covered by your insurance policy.
- The excess this is the amount of money youll have to pay when you make a claim on your insurance. Always check how much this is before you take out an insurance policy. Some insurance providers might ask for a percentage-based excess as well as the usual one-off payment. This can become very costly if you have to claim for expensive treatment by a vet.
You should also think about extras when choosing the best pet insurance for cats. As well as cover for vet bills, some policies will give you:
- Cover if your cat is stolen or goes missing this could be a one-off payment to you if your cat isnt found, or it could cover any costs involved in advertising or a reward to help find your cat.
- Death by illness or injury some insurance providers may also cover the cost of putting your cat to sleep and some will even cover bereavement counselling.
Death From Illness Or Accident
We’ll cover you for the death of your pet from illness or accident.Pets are like family, and we know losing them can be devastating. Our Time Limited and Lifetime policies include death from illness cover. We’ll reimburse you for the price you paid for your pet up to £1500 if your pet dies at an unusually young age as a result of illness or due to an accident.
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Cat Insurance: Compare Pet Insurance Providers Policies & More
Writer Mary Anne Radmacher says, Unexpected events can set you back or set you up–its all a matter of perspective.
At Pet Insurance Review, we want to make sure you dont get set back when your cat unexpectedly gets sick or injured. Cat insurance provides invaluable peace of mind that your pet is protected should the unexpected happen, regardless of your financial situation.
Secondary Condition Or Diagnosis
If your cat gets treated for a second condition which happens as a result of the primary diagnosis itll be covered underneath the benefits listed as a secondary condition or diagnosis. This secondary condition receives monetary reimbursement in addition to the primary condition or diagnosis.
Heres a look at some common cat ailments that might cause you to bring your beloved feline in for an exam:
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Get A Brand New Quote
There are about 10 million pets in south africa, of which less than one percent has pet insurance. 10% of 8,377 quotes resulted in a price under £5.33 per month. Figos annual deductibles range from $50 to $500. How affordable is figo pet insurance for cats? Their policies can help protect against unforeseen vets fees costs, and much more. Compare cheap cat insurance quotes.
To see what these look like in terms of price, check the below quotes. Compare pet insurance quotes in minutes with our partner stickee technology 10% of customers pay as little as £7.38 per month get started. Also, prices vary by coverage. How affordable is figo pet insurance for cats? ***50% of people could achieve a quote of £80.76 per year for their cat insurance based on compare the market data in november 2020 for all cover types.
Additional rider premium for total coverage comparable to nationwide whole pet with wellness. Compare the top pet insurance providers for dogs, cats, and other animals. Simply enter the details about you and your cat and well show you what cover is available, the cost and the policy details. Hippo will help you find the right pet medical aid to suit your pets needs. The plan also reimburses just 25% of veterinary costs compared to the 70% to 90% offered by standard policies, although pet assures low monthly cost of $11.95 for a.
Dont Underestimate The Importance Of Good Customer Service
A sick cat is stressful enough and, supposedly, your insurance provider exists to give you peace of mind. Believe it or not, a phone call with your insurance provider shouldnt leave you pathologically ripping up loose papers on your desk or muttering expletives to the tune of never-ending hold music.
Test a prospective providers customer service by giving them a test run ask questions through the websites chat feature, call their customer support line, and check for 24/7 support. Remember that most customers wont hesitate to let the world know about their experience, so read customer reviews to learn how the company treats policyholders.
If you spot numerous reviews complaining about a disappointing customer support team, vague policy information, unreliable reimbursement, and soaring premiums, you can assume this pet insurance provider will cause more headaches than it solves.
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What Cat Health Insurance Doesn’t Cover
Pre-existing health conditions aren’t covered in cat and kitten insurance plans. If your feline has been diagnosed with a specific health issue prior to your cat insurance going into effect, treatment and care won’t be covered. You can still secure coverage for your cat just keep in mind that any treatment related to the pre-existing condition won’t be covered.
Cat insurance plans that only cover accidents or accidents and illnesses don’t include coverage for elective procedures or preventative care. However, the EssentialWellness and BestWellness add-on plans can cover specific preventative and elective procedures.
Other things not covered by cat insurance include non-veterinary expenses, including those related to your cat’s food and diet, grooming, boarding, and holistic treatments. Learn more about what pet insurance covers and doesn’t cover.
Why Do I Need Cat Insurance
It can be very upsetting if your cat or kitten gets ill or has an accident and needs emergency vet treatment.
It can also be a potentially expensive time because if you dont have the right pet insurance in place, youll have to pay for treatment out of your own pocket. This can add up to hundreds, and in some cases, thousands of pounds.
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Routine Care Cat Insurance
EssentialWellness and BestWellness plans for cats
Either of these plans can be added to your BestBenefit plan to cover wellness exams, dental cleanings, annual vaccines, and routine or preventive care, with no deductible. Two levels of wellness coverage make this a popular option for both kittens and older cats to help with expected health costs throughout the year.
EssentialWellness pricing: $16 per month
BestWellness pricing: $26 per month§
What Doesn’t Pet Insurance Cover
Here are the treatments and conditions most cat insurance providers will choose to exclude, plus what will almost always be included as standard.
|What is covered||What is not covered|
|Alternative therapies or any treatments that your vet has referred your cat for||Routine and preventative procedures such as vaccination or flea treatment|
|Diagnostic costs for working out what is wrong with your cat||Dental treatment, unless it is an emergency|
|Putting your cat to sleep||Paying for your cat to be buried or cremated|
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Resources For Individual Policyholders Employees And Members Who Receive Coverage Through Their Employer
- I want to get a quote and find out how much a policy may cost
- I have an existing plan and want to file a claim
1 Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company , a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company , a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGens policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC , MetLife Pet Insurance Solutions Agency LLC , and such other alternate, assumed, or fictitious names approved by certain jurisdictions.
3 Approximately 80% of claims are processed within 10 days or less.
4 All costs are based on MetLife Pet Insurance internal claims data.
5 Can be purchased at an additional cost.
6 For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.