Can You Have More Than One Dog Insurance Policy?

Can you have two dog insurance plans at the same time?

Yes, you can have more than one dog insurance policy at the same time. However, similar to human health insurance, you cannot claim reimbursement for the same incident from multiple insurance providers. If you need to pay for veterinary treatment related to accidental injuries, illnesses, or emergency care, you will have to choose under which policy you want to make the claim.

If you have two insurance policies, can you claim twice?

Submitting a claim with two insurers is considered fraud. When filling in claim forms, your insurance company might ask if you have other policies that may reimburse the claim. Failing to disclose the existence of other policies is considered fraudulent information and can result in your claim being rejected.

Is it illegal to buy two pet insurance policies for the same dog?

No, buying two pet health insurance policies for the same dog is perfectly legal.

There are a few reasons why you might want to insure a dog twice. Perhaps you want to switch dog insurance but avoid a lapse in coverage. Keeping your existing policy while you wait for the new pet insurance waiting period to pass may offer a viable solution. The standard waiting period for pet insurance is 14 to 30 days for illnesses and between 24 hours and 15 days for accidents, depending on the carrier.

Or, it could be that one provider shines in its coverage for accidental injuries, while the other has a higher reimbursement rate that you utilize for costlier vet visits. In other cases, you may decide to keep an insurance plan because it pays for your dog’s ongoing medical issue that would likely be excluded from a new policy as a pre-existing condition.

Ultimately, having more than one pet insurance policy is not advisable because it means you’re paying double the premiums. In addition, many insurance companies will deny your claim if they find out that you have two policies to protect themselves from becoming a victim of insurance fraud. In that scenario, you’d end up paying twice the price for zero coverage.

Can you switch pet insurance policies?

Yes, you can switch pet insurance policies at any time. If you decide to do this, be sure to talk to your insurance company about the changes you want to make to your pet insurance coverage. Your provider may be able to decrease or increase coverage to meet your needs at little or no additional expense. As carriers usually provide multiple pet insurance plans, you should also consider changing your insurance plan while staying with the same carrier.