Quote:
Originally Posted by SirTeddykins  Having dual insurance should not be cheaper and should not be a strategy to get cheaper insurance because having 2 policies means 2 payments. It is, however, a strategy to get cover from one place which may be excluded at another. The dual insurance liability only works if both policies cover the same event.
A higher deductible almost always lowers premiums but not always to the extent you think it should so just check with the provider to see if its worth it.. |
While a cheaper payment would be nice I understand having better coverage means having a higher payment however I still don't see how having two low level insurance policies isn't automatically cheaper than having a higher level single policy. For example, having embrace with wellness (useful for pet exams) would cost me about $60 a month. However having trupanion and healthy paws with similar deductibles and reimbursement rates would cost $58 and while neither would cover the cost of dental cleanings or neutering, they would cover everything 100% which theoretically would work out to be cheaper I'd imagine, no?