5 Common FAQs Answered

When you are looking to provide the best veterinary care and the best long-term protection for your cat or your dog, you will likely turn your attention to pet insurance.

In 2023, it is a requirement of many homeowner policies and even car insurance policies to make sure that any pets that ride in the car or live in the home are insured. So, if you have multiple pets (because you are a fan of dogs, cats, or both), you will then probably start looking into multi-pet insurance policies. 

These are very convenient and cost-effective solutions for insuring all of your furry friends. However, it is also likely that you will have some questions about the policies and the applications. In this article, five of the most commonly searched FAQs relating to multi-pet insurance policies will be answered, so read on to learn more.

Can I Insure Different Species of Pet Under One Policy?

In a word, yes, you can, as many insurance providers offer pet owners multiple pet insurance policies, even if the pets are not the same species. Of course, as a starting point, you will need to make sure that any insurance company that you choose is able to offer this, as many will only specialize in multiple dog insurance policies or multiple cat insurance policies.

How Does Multi-Pet Insurance Work?

In many ways, multi-pet insurance works in a similar vein as traditional pet insurance; the difference, of course, is that it extends to cover the needs of multiple pets. You will actually pay a single premium each month and receive coverage for all of the insured pets, but as there are multiple pets covered under the policy, you can expect to pay more than you would for a single individual pet’s insurance premiums. To ensure that you get the best price, you should make sure that all of your pets’ vaccinations are up to date and, of course, disclose any health conditions that any of them have.

Are There Any Discounts For Multi-Pet Policies?

A common feature of multi-pet policies is the discounts that come with them. These can help you save on your monthly premiums compared to individual policies; however, you will need to look into the discounts that come with multiple policies, as they will vary among providers. Generally speaking, the more pets that you insure, the higher the discount that you will receive. So, shop around, and have fun.

What Types of Coverage Can You Get With Multi-Pet Insurance?

Much like standard individual pet insurance, there is a wide range of coverage options. These will typically include veterinary expenses for injuries or medical treatments, as well as covering the cost of prescription medications. Some multi-pet insurance policies will also include preventative care, such as annual checkups, deep dental cleanings, and annual vaccinations, but these are generally more focused on offering discounts for these treatments rather than paying for them fully.

Is It Worth Getting Multi-Pet Insurance?

As mentioned before, there are many benefits to multi-pet insurance, including discounts and the lower-than-average cost for multiple policies. As well as this, you will not have to remember different policy numbers, will only need one point of contact in your phone or email addresses for making insurance claims, and having all of your pets insured by the same group can save a tonne of stress due to the same policy terms applying to all of your pets.