I have the basic pet insurance plan for all three. It doesnt cover the shots etc but that is not why I have it . It's for serious illness etc. $100 deductible then it's 80/20 coverage. With all of RB Butterscotchs vet bills I was very happy to have the coverage and we got insurance money back from the claim. $10.65 first pet & $9.58 for each additional pet (per month) when you have 3 or more. It allows me to sleep well a night