As a fellow pet parent, I'm sure you can agree that finding the best pet insurance for multiple pets would be beneficial because it helps to spread out the costs and reduces the overall financial burden that can come with owning a pet.
But here's the thing:
Searching for coverage on one pet can already be a challenge, so my primary goal in this post will be to review the best pet insurance companies for multiple pets.
We will also cover the average cost of pet insurance for multiple pets, and provide tips on how to quickly obtain coverage for multiple cats, dogs, and exotic animals.
Which Pet Insurance Is Best for Multiple Pets?
The best pet insurance for multiple pets is Odie Pet Insurance which offers multi-pet discounts, comprehensive coverage, and affordable premiums. Other top providers include MetLife, Lemonade, and ASPCA Pet Health Insurance. These companies cover accidents, illnesses, and routine care while offering savings for insuring multiple pets.
Best Pet Insurance Companies For Multiple Pets Review
MetLife Pet Insurance - Best Overall Pet Insurance Company
Healthy Paws - Unlimited lifetime benefits, no per-incident caps
Pets Best - Fast claims processing and accident-only plans
Trupanion - Direct vet payments and unlimited payouts
Nationwide - Covers exotic pets and offers whole-pet coverage
Figo - Best Overall Pet Insurance Company
ASPCA Pet Health Insurance - Covers exam fees and alternative therapies
Fetch by The Dodo - Customizable plans with breeder-specific options
Prudent Pet - Best for Unique Extra Benefits & 24/7 Vet Helpline
Spot - Offers wellness add-ons and 90% reimbursement
Lemonade - AI-driven claims with optional wellness coverage
TrustedPals Pet Insurance - Best Pet Insurance for multiple senior pets
Embrace - Customizable plans with diminishing deductibles
AKC Pet Insurance - Customizable plans with breeder-specific options.
Bivvy - Low-cost flat-rate coverage with no age restrictions
Pumpkin - Extensive coverage with preventive care options
Many Pets - Best Pet Insurance for Multiple Dogs
GEICO Pet Insurance - Multi-pet discount and wellness add-ons
Multi-Pet Insurance Plan Comparison Table (2025)
Company | Coverage Amounts | Deductible Options | Reimbursement Options | Multi-pet Discount |
|---|---|---|---|---|
$5,000 / $10,000 / $25,000 / Unlimited | $50 / $100 / $250 / $500 / $1,000 | 70% / 80% / 90% | 10% | |
Healthy Paws | Unlimited | $100 / $250 / $500 | 70% / 80% / 90% | NONE |
Pets Best | $5,000 / Unlimited | $50 / $100 / $200 / $250 / $500 / $1,000 | 70% / 80% / 90% | 5% |
Trupanion | Unlimited | $0–$1,000 (in $5 increments) | 90% | NONE |
Nationwide | $10,000 | $250 | 50% / 70% | 5% |
Figo | $5,000 / $10,000 / Unlimited | $100 / $250 / $500 / $750 | 70% / 80% / 90% / 100% | 5% |
ASPCA Pet Health Insurance | $2,500 / $4,000 / $7,000 / $10,000 | $100 / $250 / $500 | 70% / 80% / 90% | 10% |
Fetch by The Dodo (PetPlan) | $5,000 / $15,000 / Unlimited | $250 / $300 / $500 / $700 / $1,000 | 70% / 80% / 90% | 10% |
Prudent Pet | $10,000 / $20,000 / Unlimited | $100 / $250 / $500 / $750 / $1,000 | 70% / 80% / 90% | 10% |
Spot | $2,500 / $3,000 / $4,000 / $5,000 / $7,000 / $10,000 / Unlimited | $100 / $250 / $500 / $750 / $1,000 | 70% / 80% / 90% | 10% |
Lemonade | $5,000 / $10,000 / $20,000 / $50,000 / $100,000 | $100 / $250 / $500 | 70% / 80% / 90% | 5% |
TrustedPals | $4,000 / $8,000 / $15,000 / $20,000 / Unlimited | $0 / $100 / $250 / $500 / $750 | 70% / 80% / 90% | 5% |
Embrace | $5,000 / $8,000 / $10,000 / $15,000 / Unlimited | $100 / $250 / $500 / $750 / $1,000 | 70% / 80% / 90% | 10% |
AKC Pet Insurance | $3,000 / $5,000 / $10,000 / $20,000 / $40,000 | $100 / $250 / $500 / $1,000 | 70% / 80% / 90% | 5-10% Approx |
Bivvy | Up to $5,000 | $50 / $100 / $250 (approx.) | 80% (approx.) | NONE |
Pumpkin | $10,000 / $20,000 / Unlimited | $100 / $250 / $500 | 90% | 10% |
ManyPets | Unlimited | $500 / $750 / $1,000 | 70% / 80% | 15% |
Geico | $5,000 / $8,000 / $10,000 / $15,000 / Unlimited | $100 / $250 / $500 / $750 / $1,000 | 70% / 80% / 90% | 10% |
(Coverage amounts, deductibles, and reimbursement options may vary by state or policy. Multi-pet discounts may also depend on the number of pets insured. Always confirm details with the provider.) | ||||
Top 15 Pet Insurance Providers: Multi-Pet Coverage & Discounts
Company | Multi-Pet Coverage | Multi-Pet Discount |
|---|---|---|
MetLife (Formally PetFirst) | ✅ | ✅ |
Healthy Paws | ✅ | |
Pets Best | ✅ | ✅ |
Trupanion | ✅ | |
Nationwide | ✅ | ✅ |
Figo | ✅ | ✅ |
ASPCA Pet Health Insurance | ✅ | ✅ |
Fetch by The Dodo (PetPlan) | ✅ | ✅ |
Prudent Pet | ✅ | ✅ |
Spot | ✅ | ✅ |
Lemonade | ✅ | ✅ |
TrustedPals | ✅ | ✅ |
Embrace | ✅ | ✅ |
AKC Pet Insurance | ✅ | ✅ |
Bivvy | ✅ |
What Is the Average Cost of Pet Insurance for Multiple Pets per Month?
The average cost of pet insurance for multiple pets is $77 per month or about $922 per year. These rates include the industry average 10% multi-pet discount. However, keep in mind that when it comes to insuring more than one pet, the cost of insurance can vary and premiums can range between $59/month to $112/month depending on certain factors. Understanding these factors can help us estimate the expenses involved in getting coverage for our furry companions
How Much Is Pet Insurance for Multiple Cats per Month?
$53 per month is the average cost of pet insurance for multiple cats which is around $639 per year. This rate includes the average ten percent multi-pet discount as well. By now, it's probably easy to see that cats often secure lower insurance rates than their canine counterparts.
How Much Is Pet Insurance for Multiple Dogs per Month?
Pet insurance for multiple dogs costs around $106 per month or just around $1,272 per year. Now, if you're wondering why dogs pay more per month in monthly premiums it has everything to do with overall health and life expectancy.
What Factors Affect the Cost of Multi-Pet Insurance?
Multiple factors influence multi-pet insurance costs, including each pet’s breed, age, and medical history. Coverage selections (like wellness, dental, or specialized treatments), location-based vet expenses, and policy details (deductible, reimbursement rate, and coverage limits) also affect premiums. Finally, discounts or multi-pet deals can reduce overall costs.
Discounts Available For Multi-Pet Insurance Policies
Multiple Pet Insurance Discount Comparison Chart
Company | Multi-Pet Discount |
|---|---|
MetLife (Formally PetFirst) | 10% |
Healthy Paws | NONE |
Pets Best | 5% |
Trupanion | NONE |
Nationwide | 5% |
Figo | 5% |
ASPCA Pet Health Insurance | 10% |
Fetch by The Dodo (PetPlan) | 10% |
Prudent Pet | 10% |
Spot | 10% |
Lemonade | 5% |
TrustedPals | 5% |
Embrace | 10% |
AKC Pet Insurance | 5-10% (varies) |
Bivvy | NONE |
Low Cost Pet Insurance for Multiple Pets
A low-cost pet insurance plan for multiple pets usually combines competitive premiums with a multi-pet discount. While exact pricing will depend on factors like your pets’ ages, breeds, health history, and location, there are a few budget-friendly options to consider:
1. MetLife
2. Lemonade
3. Spot
4. Bivvy
5. Figo
Is a Multi-Pet Insurance Plan Worth It?
Yes! A multi-pet insurance plan can be very beneficial if you have more than one furry friend. By insuring multiple pets with the same provider, you often unlock discounts that help lower overall costs. In addition, managing just one insurance account simplifies billing and policy details. However, the value ultimately depends on your pets’ health needs and the cost of the policy. Make sure to compare coverage options, deductibles, and exclusions for each pet before enrolling, so you can determine if the savings and convenience truly outweigh any potential drawbacks.
How Many Pets Can You Have on Pet Insurance?
The number of pets you can insure under a single provider varies by company. Some pet insurance providers let you add as many pets as you’d like, while others may have specific limits—such as five or ten pets—enrolled on one plan. If you have more pets than the stated maximum, you may still be able to insure them under separate plans or by speaking directly to a representative about special accommodations. Always check the insurer’s terms or contact customer service to confirm the rules regarding multi-pet enrollment.
What Are Multiple Pet Insurance Plans?
A multiple pet policy, also known as a multi pet discount is a type of insurance that allows you to insure all pets under a single policy. Instead of purchasing separate policies for each pet, multi pet insurance plans provide coverage for all your pets, typically at a discounted rate. Vet bills are expensive.
What Does a Multiple Pet Insurance Plan Cover?
Multi-pet plans mirror standard policies, covering accidents, illnesses, surgeries, medications, and exams. They often include fractures, hereditary conditions, and serious illnesses like earworm infections, diabetic heart issues, and skin cancers. With the right coverage, you can protect your pets from unexpected expenses and ensure they receive necessary care.
Can You Put Multiple Pets on a Pet Insurance Plan?
Yes, you can put multiple pets on a pet insurance plan. Many insurers offer multi-pet policies that cover multiple animals under one plan, often with a discount. Each pet may have its own policy terms, deductibles, and coverage limits. Check with providers for specific multi-pet discounts and coverage options.
The Benefits of Multiple Pet Insurance
Owning multiple pet insurance policies provides financial security, reduced veterinary costs, and tailored coverage for different pets. Multi-pet discounts lower premiums, while comprehensive plans ensure specialized treatment for various breeds and conditions. This coverage simplifies claims and guarantees better healthcare for all pets.
However, pet ownership can be relatively expensive when you factor in the cost of food, regular check-ups, and unexpected health-related expenses. That's where you can let your pet insurance work for you and make life easier for both you and your pets!
Pet Insurance for Multiple Pets Buyer’s Guide
What Is a Good Annual Limit for Pet Insurance for Multiple Pets?
The annual coverage limit is the maximum amount that the insurance company will pay per year for covered expenses. You usually have the option to choose a limit between $2,000 and $10,000, although some companies offer even higher limits.
For instance, Lemonade provides options up to $100,000 per year, while Embrace, Figo, Pets Best, Pumpkin, and Spot offer unlimited coverage. Keep in mind that higher annual limits come with higher costs for coverage. The limit will reset at the start of each policy year.
On average, insuring more than one pet is about 30% less than what you would pay to insure each pet separately.
Important Considerations When Shopping for Multi-Pet Insurance Policies
It is an invaluable investment for a dog owner, providing financial protection and peace of mind. Insuring them under a multi pet coverage policy can simplify the process and potentially save you money. However, there are several important considerations to keep in mind when shopping for policies to ensure you make the right choice for your furry companions.
The main things to consider are:
What Are the Most Common Pet Insurance Claims?
The most common pet insurance claims are:
Without insurance, consider the weight of vet bills. Simple afflictions like ear infections or upset stomachs come at a price lower than a year's insurance premium. However, when faced with multiple ailments or graver conditions, expenses often surpass the coverage of a complete policy. MetLife's claims data discloses that the average cost for common dog treatments rests at $254, while for cats, it stands at $267.
Most Common Pet Insurance Claims for Cats
Rank | Condition | Vet Cost |
|---|---|---|
1 | Urinary tract infection | $295 |
2 | Upset stomach | $385 |
3 | Kidney failure | $485 |
4 | Diarrhea | $203 |
5 | Allergies | $235 |
6 | Diabetes | $276 |
7 | Colon issues | $203 |
8 | Ear infection | $149 |
9 | Upper respiratory infection | $219 |
10 | Hyperthyroidism | $216 |
Most Common Pet Insurance Claims for Dogs
Rank | Condition | Vet Cost |
|---|---|---|
1 | Ear Infection | $149 |
2 | Allergies | $249 |
3 | Skin Infection | $175 |
4 | Upset stomach | $385 |
5 | Diarrhea | $203 |
6 | Bladder issues | $617 |
7 | Eye Infection | $115 |
8 | Arthritis | $255 |
9 | Hypothyroidism | $123 |
10 | Sprains | $267 |
Do Pet Insurance Plans Cover Preexisting Conditions?
The Pet Protection Agency's pet policies do not cover existing conditions. Pet Insurance companies consider pets with these ailments as expensive investments and high risks. Some companies also differentiate between cure and incurability. It'll cover the curable conditions and stipulates generally if the dog does not experience any symptoms.
Does a Pet Insurance Plan Have Any Waiting Periods?
Company | Accident Waiting Period | Illness Waiting Period | Extended Waiting Period |
|---|---|---|---|
MetLife (Formally PetFirst) | 0 days | 14 days | 6 months for cruciate or related knee conditions |
Healthy Paws | 15 days | 15 days | 12 months for hip dysplasia; not covered if pet is 6+ at enrollment |
Pets Best | 3 days | 14 days | 6 months for cruciate ligament issues |
Trupanion | 5 days | 30 days | NONE |
Nationwide | 14 days | 14 days | 12 months for cruciate or meniscus injuries |
Figo | 1 days | 14 days | 6 months for knee issues; may be waived with vet exam |
ASPCA Pet Health Insurance | 14 days | 14 days | NONE |
Fetch by The Dodo (PetPlan) | 15 days | 15 days | 6 months for orthopedic conditions (e.g., knee/hip); may be waived with vet exam |
Prudent Pet | 5 days | 14 days | 6 months for cruciate or patella issues |
Spot | 14 days | 14 days | NONE |
Lemonade | 2 days | 14 days | 6 months for cruciate ligament issues |
TrustedPals | 14 days | 14 days | 6 months for cruciate or related conditions |
Embrace | 2 days | 14 days | 6 months for orthopedic conditions (dogs) |
AKC Pet Insurance | 2 days | 14 days | 6 months for cruciate or knee conditions (dogs) |
Bivvy | 1 days | 14 days | NONE |
Pumpkin | 14 days | 14 days | NONE |
Many Pets | 15 days or 24 hours | 15 days or 24 hours | NONE |
Geico | 2 days | 14 days | 6 months for orthopedic conditions (dogs) |
Source:These details for 2025 are based on data compiled for multiple cats and dogs—often with unlimited annual coverage (where offered), a $100 deductible, and an 80% reimbursement rate (or the closest available). Actual terms and waiting periods may vary by state or individual policy. | |||
Best Multi-Pet Insurance companies quick overview
MetLife Pet Insurance | Best Pet Insurance for Comprehensive, Lifelong Coverage
MetLife Pet Insurance is a top choice for comprehensive, flexible coverage. No age limits ensure senior pets receive the same protection, while customizable deductibles, reimbursement rates, and coverage limits let owners tailor plans to any budget. Direct vet pay and immediate accident coverage further reduce out-of-pocket expenses and offer peace of mind. With broad coverage, financial flexibility, and industry-leading support, MetLife remains the gold standard in pet insurance.
Pros | Cons |
|---|---|
No upper age limit, making it ideal for senior pets | 14-day waiting period for illnesses |
Highly customizable plans to fit different budgets and needs | Higher premiums for older pets |
No waiting period for accident coverage | Some exclusions for pre-existing conditions |
Direct vet pay option available |
Geico Pet Insurance | Best Pet Insurance for Multiple Cats
GEICO excels in multi-cat coverage, offering unlimited annual amounts, deductibles as low as $100, and up to 90% reimbursement. Their optional Preventive Care plan covers microchips, prescription diets, and vaccines. There’s no specific age for spaying or neutering, but enrolling at that time earns you a discount.
Pros | Cons |
|---|---|
Multi-pet discount for insuring multiple cats | 6-month waiting period for orthopedic conditions |
Flexible coverage options with customizable deductibles and limits | No direct vet pay option |
Short 2-day waiting period for accidents | Limited coverage for older pets (only accident coverage for pets over 14 years old) |
Optional wellness coverage for preventive care |
ManyPets Pet Insurance | Best Pet Insurance for Multiple Dogs
ManyPets is the top choice for owners of multiple dogs, offering multi-pet discounts, unlimited annual coverage options, and no per-condition limits. Unlike many insurers, ManyPets even covers some pre-existing conditions after a waiting period, making it a standout option for long-term pet care.
Pros | Cons |
|---|---|
Multi-pet discounts | 15-day waiting period for accidents and illnesses |
Covers some pre-existing conditions after a waiting period | No direct vet pay option |
No per-condition limits, allowing unlimited claims for covered conditions | Higher premiums for older dogs |
Unlimited annual coverage available for higher medical expenses |
Spot Pet Insurance | Best Flexible Coverage Pet Insurance
Spot offers highly customizable coverage with adjustable deductibles, reimbursement rates, and coverage limits. There’s no upper age limit, so pets of all ages receive protection for accidents, illnesses, and hereditary conditions. Optional wellness plans cover routine care, and multi-pet discounts help families save. Although direct vet pay is unavailable, Spot’s flexibility and comprehensive coverage make it a leading choice for personalized insurance.
Pros | Cons |
|---|---|
Highly flexible coverage options to suit different needs and budgets | 14-day waiting period for both accidents and illnesses |
No upper age limit, making it a great choice for senior pets | No direct vet pay option |
Optional wellness coverage for routine care | Routine care coverage requires an additional plan |
Multi-pet discounts available |
Lemonade Pet Insurance | Best Multiple Pet Insurance with Wellness Care
With its unique approach and user-friendly platform, Lemonade is another great choice for ensuring multiple pets. Lemonade offers numerous options and an easy process for filing claims. Plus, its price-match guarantee ensures that you’ll get the best rates for your insurance needs.
Pros | Cons |
|---|---|
Affordable pricing with multiple pet discounts | Upper age limits may apply |
Fast AI-powered claims processing | No direct vet pay option |
Optional wellness plans for preventive care | Limited availability in some states |
2-day waiting period for accidents |
ASPCA Pet Insurance | Best Pet Insurance for Pre-existing Conditions
ASPCA Pet Health Insurance excels at multi-pet coverage with discounts for pets with pre-existing conditions. Its robust features provide peace of mind and financial protection, making it a standout choice for insuring multiple pets under one policy.
Pros | Cons |
|---|---|
Covers some pre-existing conditions if the pet remains symptom-free for 180 days | Longer 14-day waiting period for accidents |
No upper age limit for enrollment | No direct vet pay option |
Customizable coverage options | Routine and wellness care require an add-on plan |
Includes behavioral therapy coverage |
Embrace Pet Insurance | Best Pet Insurance for Comprehensive Coverage
Embrace is a fan favorite on Reddit. They provide a total care accident-and-illness plan that covers a wide range of medical needs for your pets. Additionally, Embrace also covers alternative therapies, cancer treatments, emergency care, surgery, diagnostic procedures, physical therapy, and more.
Pros | Cons |
|---|---|
Affordable premiums with a diminishing deductible | 6--month waiting period for orthopedic conditions |
Covers alternative treatments like acupuncture and chiropractic care | No direct vet pay option |
Short 2-day waiting period for accidents | Very limited coverage for older pets (only accident coverage for pets over 14 years old) |
Discounts for multiple pets and military members |
Nationwide Pet Insurance | Best Pet Insurance for Multiple Exotic Pets
Nationwide uniquely covers exotic pets, including birds, rabbits, ferrets, reptiles, and more. Discounts range from 5% for two or three pets to 10% for four or more. Coverage levels and deductibles are fixed, with a $10,000 maximum and a $250 deductible.
Pros | Cons |
|---|---|
Only provider offering coverage for exotic pets | Higher premiums for exotic pet coverage |
Includes wellness coverage options | No direct vet pay option |
Offers multi-pet and policyholder discounts | Some plans may have upper age limits |
Short 24-hour waiting period for accidents |
Pets Best Pet Insurance | Best Pet Insurance for Affordable Premiums
Pets Best is a top choice for pet owners seeking affordable premiums without sacrificing coverage. The policy offers customizable plans, allowing pet parents to adjust coverage limits, deductibles, and reimbursement rates to fit their budget.
Pros | Cons |
|---|---|
Direct vet payment option for faster claim processing | Routine care requires an additional wellness plan |
No upper age limit for coverage | 14-day waiting period for illnesses |
Customizable plans with flexible deductibles and reimbursement rates | Some hereditary conditions may have restrictions |
3-day waiting period for accidents |
Pumpkin Pet Insurance | Best Pet Insurance for High Reimbursement Rate
Pumpkin Pet Insurance offers a 90% reimbursement rate and covers pets of all ages. Though it lacks direct vet pay, its robust coverage and high payout percentage make it a leading choice for financial security.
Pros | Cons |
|---|---|
Standard 90% reimbursement rate on all plans | No lower reimbursement rate options for lower premiums |
No upper age limit for coverage | 4-day waiting period for accidents and illnesses |
Covers hereditary conditions and preventive care | No direct vet pay option |
10% multi-pet discount |
Healthy Paws Pet Insurance | Best Unlimited Payout Coverage Plans
Healthy Paws provides unlimited payout coverage with no annual or lifetime caps. Its single plan covers accidents, illnesses, hereditary conditions, and alternative treatments. Fast claims processing—often within two days—and no per-condition limits offer unrestricted financial support for pets.
Pros | Cons |
|---|---|
Unlimited annual and lifetime payouts with no caps | 12-month waiting period for hip dysplasia if pet is enrolled after age 6 |
Fast claims processing, often within two days | No coverage for routine or preventive care |
Covers alternative treatments like acupuncture and chiropractic care | No direct vet pay option |
Simple one-plan policy with broad coverage |
Figo Pet Insurance | Best Tech-Driven Pet Insurance
Figo Pet Insurance is notable for its user-friendly, technology-driven platform. Its Pet Cloud App simplifies filing claims, organizes medical records, and offers customizable coverage options (including 100% reimbursement). With an easy online claims process and 24/7 live vet chat, Figo provides both convenience and peace of mind for modern pet parents.
Pros | Cons |
|---|---|
100% reimbursement option, rare among pet insurers | 6-month waiting period for orthopedic conditions |
1-day waiting period for accidents, one of the shortest in the industry | Wellness care requires an additional plan |
AI-powered mobile app for easy claims, vet chat, and pet records | Higher premiums for unlimited coverage |
No upper age limit, making it ideal for senior pets |
Trupanion Pet Insurance | Best Direct-to-Vet Payment Pet Insurance
Trupanion offers seamless direct-to-vet payments, eliminating upfront costs and lengthy reimbursements. With 90% coverage, no payout limits, and comprehensive accident and illness protection, it ensures pets receive unrestricted medical care. While routine care isn’t included, its unmatched convenience and unlimited payouts make it the top choice for stress-free pet insurance.
Pros | Cons |
|---|---|
Direct vet payment option eliminates upfront costs | 30-day waiting period for illnesses is longer than some competitors |
Unlimited lifetime coverage with no payout caps | Does not cover routine or preventive care |
90% reimbursement rate for all eligible treatments | Higher premiums compared to some other providers. |
Customizable per-condition deductible to fit different budgets |
Fetch by The Dodo | Best Pet Insurance for Holistic and Alternative Therapies
Fetch offers extensive coverage for both conventional and alternative treatments, including acupuncture, chiropractic care, hydrotherapy, and homeopathy. With no upper age limits, customizable plans, and coverage for exam fees and dental care, Fetch stands out for holistic pet care.
Pros | Cons |
|---|---|
Covers holistic and alternative therapies like acupuncture and chiropractic care | 6-month waiting period for orthopedic conditions |
No upper age limit for coverage | No direct vet pay option |
Customizable plans with flexible deductibles and reimbursement rates | Lower coverage limits compared to some competitors |
Covers exam fees and some dental treatments |
AKC Pet Insurance | Best Customizable Coverage Pet Insurance
AKC Pet Insurance tailors coverage to purebred dogs, addressing hereditary and congenital conditions. Optional add-ons and wellness coverage allow owners to refine their plan for specific breed needs, ensuring comprehensive care throughout a dog’s life.
Pros | Cons |
|---|---|
Customizable plans tailored to specific pet needs | 180-day waiting period for orthopedic conditions |
Covers hereditary and congenital conditions, ideal for purebred dogs | No direct vet pay option |
Optional add-ons for exam fees, wellness care, and breeding coverage | Routine care coverage requires an additional plan |
Multi-pet discount available |
Bivvy | Best Budget-Friendly Pet Insurance
Bivvy offers budget-friendly coverage with a flat-rate approach for accidents and illnesses. Its simplified model provides essential protection without the complexity—or higher cost—of more extensive plans.
Pros | Cons |
|---|---|
Flat-rate, low-cost premiums for all pets | Low annual coverage limit ($1,000 per year) |
No upper age limit, making it accessible for senior pets | Only 50% reimbursement rate, significantly lower than competitors |
Optional add-ons for exam fees, wellness care, and breeding coverage | 1-year waiting period for hereditary conditions |
Simple, straightforward coverage with minimal exclusions |
Bivvy | Best Budget-Friendly Pet Insurance
Bivvy offers budget-friendly coverage with a flat-rate approach for accidents and illnesses. Its simplified model provides essential protection without the complexity—or higher cost—of more extensive plans.
Pros | Cons |
|---|---|
Flat-rate, low-cost premiums for all pets | Low annual coverage limit ($1,000 per year) |
No upper age limit, making it accessible for senior pets | Only 50% reimbursement rate, significantly lower than competitors |
Optional add-ons for exam fees, wellness care, and breeding coverage | 1-year waiting period for hereditary conditions |
Simple, straightforward coverage with minimal exclusions |
Bivvy | Best Budget-Friendly Pet Insurance
Bivvy offers budget-friendly coverage with a flat-rate approach for accidents and illnesses. Its simplified model provides essential protection without the complexity—or higher cost—of more extensive plans.
Pros | Cons |
|---|---|
Flat-rate, low-cost premiums for all pets | Low annual coverage limit ($1,000 per year) |
No upper age limit, making it accessible for senior pets | Only 50% reimbursement rate, significantly lower than competitors |
Optional add-ons for exam fees, wellness care, and breeding coverage | 1-year waiting period for hereditary conditions |
Simple, straightforward coverage with minimal exclusions |