Is it possible to get multi-cat insurance?
Multi-pet insurance: The ultimate budget-friendly strategy
Pet medical insurance is an incredibly simple (not to mention affordable) way to ensure your furry member of the family is taken care of in the event of a medical emergency or any medical issue that might occur. Depending on your plan, we include a wide range of benefits such as vet visits, routine care, accidents and illnesses and we even front you with cash before you see your vet of choice.
Can I insure the health of more than one cat with Oneplan?
If you have more than one cat that you wish to insure the health of, then we have got you covered (literally).
We get that cats are kinda like potato chips - you can never have just one.
And if you have made the responsible decision to look after the health of your precious feline friends with pet insurance, then we think we should reward you with giving you a discount on the more cats you insure. But we will get into that in a bit. For now, let’s dig into what we mean by a multi-pet insurance policy…
In some ways, you can look at a multi-cat insurance policy the same way you look at car insurance. When it comes to vehicle insurance, you can have more than one car insured on the same policy. The same thinking applies to health insurance. You can have one policy for you and anyone in your family. The more people you add to your policy, the more you are likely to pay for health insurance, however, each person you add to your plan is likely to pay a discounted rate.
The mechanics of insuring the health of more than one cat
So, this means that if you are wanting to insure the health of Whiskers, Milo, Ginger and even Tabatha, you can do so with just ONE insurance policy. PLUS, we give you a discount off the cost of your premium the more pets you insure with us!
The reason we do this is that we want to encourage you to insure the health of ALL of your pets to not only save you from the surprise costs of vet bills but to ensure that your precious pets live long, healthy and happy lives in having their health in expert hands. Giving you the peace of mind you need in knowing you don’t have to confront the dreaded stress of vet bills and giving your pets access to the best care that money can buy.
How does the pricing structure work for multi-cat insurance?
The more cats you insure - the better this works out for your budget!
We offer a 10% discount on the second pet you insure under your chosen plan and a 15% discount for the 3rd pet you insure and any additional pets from there.
Please note that we only allow for a maximum of 8 pets per policy. We also have an age limit on our plans - Cats must be older than 8 weeks and younger than 9 years. However, with our Pet Accident Plan, there is no maximum age limit that applies.
Let’s look at an example of what we mean by this…
*Please note that the prices mentioned here are reflective of the date that this article was written, for updated pricing please click here.
If you decide to purchase our Pet Hospital Plan, and you insure just Whiskers, this will cost R140 per month. If you then decide to add Tabatha to the same plan, this will cost an extra R126 a month as we will discount your premium by 10% for your second insured pet.
Then if you decide to add Milo to this plan, this will only cost you an extra R120 a month as we discount an additional 15% off the standard premium amount.
When is the best time to insure the health of my cats?
The best time to insure the health of your cat is when he or she is still young and in good health. The reason for this is that vet visits tend to quickly accumulate as your pet gets older as your cat’s health deteriorates as she ages, resulting in a higher risk of illness, accidents and chronic conditions. Because of this, older cats are often subject to the waiting period that applies to any pre-existing conditions.
This means that you will have to wait for a period of 12 months before you can claim for any events relating to a condition your cat was diagnosed with or showed symptoms of at the time of purchasing your pet insurance policy or within 3 months of your first premium.
The sooner you insure the health of your cat, the better.
Yours in cuddle-worthy pet insurance,