best cat insurance for 2 cats: key features and highlights

How to judge value for a pair

For two cats, value isn’t the cheapest premium; it’s predictable coverage per pet. Seek a multi-pet discount without a shared annual cap. Favor per-pet deductibles and matching reimbursement rates, plus fast claims and support for chronic conditions across renewals.

Coverage details that matter

Strong plans reimburse exam fees, dental illness, prescriptions, and even behavioral care or acupuncture. Check waiting periods and how curable pre-existing issues are handled. Watch bilateral clauses that can restrict both knees or eyes. 24/7 tele-vet access helps avoid unnecessary ER visits.

• Multi-pet discount; no shared cap.
• Per-pet deductible and matching reimbursement.
• Annual limits per pet, not combined.
• Exam fees, dental illness, prescriptions included.
• Fast claims; optional direct pay.
• Clear chronic and bilateral coverage terms.
• Transparent waiting periods; curable pre-existing rules.

Practical setup

A balanced choice: 80% reimbursement, $250-$500 deductible per pet, and about $10,000 annual limit each. Enroll both with one insurer, but tailor options by age, budget, and health.