Best Multi-Cat Insurance Plans of September 2021

Lisa Scott

Multi-cat insurance policies help you cover all your cats for various medical treatments and procedures throughout their lives. Finding the right plan that applies to all your cats is the best way to ensure their long-term health and happiness.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Customizable plan to fit your pet's needs

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $19/m

$3,000

Annual Coverage

100%

Reimbursement Rate

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $19, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $19
  • Allows coverage on 6 pets for $19 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is multi-cat Insurance worth it?

Taking care of multiple cats in your home is hard work. You want to ensure your cats are constantly taken care of, and have everything they need to live happy and healthy lives.

Throughout your pet’s lives, there is a chance they will get sick or injured at some point. As they get older, they are more susceptible to various illnesses and other problems that can require trips to the vet for treatments to help them.

Having multiple cats in your home runs the risk of having multiple pets sick at once. Just one cat getting sick can cost you plenty of money for medical exams, treatments, and follow-ups. If you have multiple cats sick at one time, you can expect to pay thousands in medical bills for their various treatments.

A multi-cat insurance plan can help you cover the high costs of these necessary procedures to get your cats back to being healthy. Because you can never know when an illness or injury will hit, it is best to be prepared for the worst to ensure you are able to afford medical treatment in emergencies.

What does multi-cat Insurance cover?

Depending on your insurance provider and their different available plans, your insurance coverage may apply to different medical treatments and procedures.

Multi-cat insurance houses singular plans for each of your cats in one convenient place. Multi-cat insurance is not one plan that covers all your cats – instead, these plans are individual coverage plans for each individual cat, housed under one insurance provider.

This type of insurance typically covers the following:

  • Exams and tests: Blood tests, urine tests, and other exams to diagnose illnesses and injuries may be covered by your insurance plan.
  • Surgery and other procedures: Coverage for surgical procedures and aftercare treatments can be covered by multi-cat insurance.
  • Illness treatment and medication: Treatment for poisoning, infections and other illnesses are often covered by insurance plans. Some also cover medicine prescribed following these treatments.

Multi-cat insurance follows the same rules as typical pet insurance plans. Most providers offer illness-only, injury-only, or a combination of both in their insurance plan coverage. For coverage related to wellness and preventative care, you may need to get an additional plan or opt for add-ons to your standing pet insurance plan.

How are multi-cat Insurance premiums determined?

Depending on your insurance provider, your premium may be determined by a number of details. Each pet you insure under these plans may have different premiums depending on their specific characteristics.

  • Age: The age of your cat will help to determine their unique plan’s monthly premium. If you have an older cat, their plan will likely cost more than a younger cat, as older cats are more likely to experience serious illness or injury.
  • Breed: Different cat breeds are susceptible to specific illnesses, which can cost a lot of money to cover. These more at-risk breeds will cause your insurance premium to rise.
  • Plan details: The medical procedures and treatments you plan covers will contribute to your overall monthly premium. If you opt for illness or injury-only plans for all your cats, your premiums will cost less than a combination plan, or plans that have wellness and routine care add-ons.
  • Number of cats: How many cats you insure under the same provider will affect your premium from pet to pet. Most providers will offer some kind of discount for multi-pet plans, giving you more of a discount for each cat you add a plan for.

How to choose the best multi-cat Insurance plan?

When you are looking to cover multiple cats under one insurance provider, you have a lot of things to consider to help you find the perfect plan:

  • Consider each of your pets: Because your multi-cat insurance includes individual plans for each of your cats, you will want to consider each of their unique characteristics. Before choosing a provider, consider their breed, age, and potential medical treatments they may need in their life, and confirm each of these things will be adequately covered under your insurance provider.
  • Review offers & discounts: Some insurance providers will offer significant discounts for each pet you add a policy for. Be sure to take a look at different options and what they have to offer in terms of pricing and discounts when you go to take out multiple plans for your cats.
  • Compare plan details: Handling one sick pet is hard enough, but in the event you have multiple sick pets at once, you will want to make sure you are aware of the deductible and reimbursement expectations.
  • Review customer feedback: Understanding customers’ experiences of your prospective insurance provider will give you a better idea of what to expect if you choose to use their plan. Find how they process claims, if people typically experience difficulties, and overall feedback of the provider.