The trouble is that indoor pets can still get cancer or swallow something they shouldn't, etc., even without the outdoor risks. We love our Pets Best policy and I believe they have a multiple-pet discount: http://www.petsbest.com/.
When I was researching companies, I also typed in the company name with the words "review" and "pet insurance." Very informative. Pet insurance is really catching on. Not having it (to me) would be like driving my car without insurance -- risky, at best. Good luck to you!
p.s. You're wise to consider insurance *before* something comes up. My mom (who works for an insurance agency) says that people call all the time hoping to insure homes that already have fires going in the kitchen (figuratively speaking). By then, it's too late to really reap the benefits of insurance.
p.p.s. Pets Best does have a routine care/wellness option to cover regular checkups and vaccinations. It's an add-on option. It even covers dental cleanings!
