Recommendation for pet insurance?

[applecrispy]

I have four cats, their ages range from 5-10. In the last two years we've spent almost $5,000 in vet bills due to various issues my cats have. We have an emergency fund but I feel like they always have some sort of issue so we are constantly draining the account. Does anyone have any suggestions for pet insurance that they recommend? I don't know if you could get a discount or something for the more pets you add on to it. A multi cat discount!

[niemand88f]

I use Embrace for my 3 cats, about $40 total per month for my 6, 3, and 2 year old cat (I think it will be $52 when I add my new kitten). It increases with age, and you can choose the deductible and reimbursement % level. There is a multi-pet discount.

When you compare insurance companies pay attention to the deductible- some companies have a per-incident deductible (not good), while others are per pet or per year (embrace has a deductible per pet, per year). All pet insurance companies that I looked at exclude preexisting conditions and you usually have to pay the vet up front before the insurance company will reimburse you.

[fayeelle]

Trupanion. The best by a mile

[kellikans]

we have Healthy Paws for our Great Pyrenees. she's 16 months and we pay $55/month (cost will depend on where you live, too). they have different levels of percentage covered and deductibles, no caps or maximums, they cover congenital/hereditary issues, lifetime continuous coverage until cancelled (some companies are shady - they require you to renew every year and whatever conditions your pet may have from the previous year now become pre-existing). they had the most comprehensive coverage for what we were looking for.

www.healthypawspetinsurance.com/pet-insurance-coverage-and-exclusions

[mcmel]

Healthy Paws