Therefore, it’s no surprise that stats from Pew Research indicate that about 62% of Americans are pet parents and about 35% have more than one pet.
While multiple pets can add even more positivity to your life, they do come with additional responsibility and healthcare expenses. Fortunately, many of the best pet insurance companies offer a variety of plans for pet parents with several pets. They even offer multi-pet discounts, which typically range from 5% to 10%. We’ve done the research for you and compiled this list of the best pet insurance for multiple pets.
Pet Insurance for Multiple Pets at a Glance
Embrace is a solid choice if you’d like to customize your multi-pet insurance coverage while ASPCA Pet Health makes sense if your pets benefit from alternative treatments.
MetLife is one of the few insurers that offers cost-effective family plans and Figo’s policies don’t impose upper age limits so you can enroll even if you have senior pets.
Lemonade will reward you with a bundling and multi-pet discount if you buy more than one insurance policy from the company.
Spot may cover pets with pre-existing conditions whereas Pets Best offers the cheapest premiums for multiple pets.
Pumpkin stands out for its unique coverages that you might not find elsewhere.
Comparing the Best Pet Insurance for Multiple Pets
Insurer | Best for | Multi-Pet Discount |
|---|---|---|
Customization | 10% | |
Alternative therapies | 10% | |
Family plans | 5% | |
Senior pets | 5% | |
Bundling | 5% | |
Pre-existing conditions | 10% | |
Affordability | 5% | |
Unique coverages | 10% |
A Closer Look at the Best Pet Insurance for Multiple Pets
1. Embrace
Why we like Embrace for multipets:
Embrace lets you add multiple pets to a single policy. If you do, you’ll enjoy a 10% multi-pet discount that the insurer will apply automatically once you enroll your second pet. You can choose from a number of coverage options, including an accident and illness policy with several deductible and reimbursement options and an accident-only plan that covers 90% of your expenses.
Plus, the pet insurance company offers a Wellness Rewards program to offset the costs of routine care for your pets. If you don’t submit claims more than $300 in your first year, you’ll secure a 5% discount through the Healthy Pet Discount program. This discount will increase to 10% if you do the same in the second year.
Pros
Covers curable pre-existing conditions
Pays for vet exam fees
$25 bonus if you enroll in Wellness Rewards, Embrace’s wellness coverage
Cons
Can be expensive for multiple pets
Must buy a wellness plan to get reimbursed for prescription food and supplements
Doesn’t insure pets that are older than 14 with accident and illness plans
Sample pricing through Embrace
Pet | Monthly cost | Monthly cost after discount |
|---|---|---|
Two dogs | $247.70 | $223.92 |
**Quotes are based on two pets in New York City (10001). The first pet is a 4-year old, male Beagle while the second pet is a 4-year old, male French Bulldog.
Read our full Embrace review.
2. ASPCA Pet Health
Why we like ASPCA Pet Health for multipets:
ASPCA Pet Health will apply a 10% multi-pet discount to your policy for each pet you add after your most expensive one. While each furry friend will need their own coverage, you can conveniently manage all plans through a single account. In addition, you may enroll new pets and receive the discount at any time, as long as your policy is still active.
Even if you go with the standard accident and illness plan known as Complete Coverage, ASPCA Pet Health will help pay for a number of alternative treatments. These include acupuncture, chiropractic care, behavioral therapies, and even stem cell therapy. End-of-life expenses are included as well.
Pros
Insures horses in addition to dogs and cats
Two preventative care options for dogs, cats, and horses
Short 14-day waiting period for cruciate injuries
Cons
Longer claims processing than other pet insurance companies (up to 30 days)
Doesn’t cover bilateral conditions, such as hip dysplasia, cataracts, and glaucoma
No option to pay vets directly
Sample pricing through ASPCA Pet Health
| Pet | Monthly cost | Monthly cost after discount |
|---|---|---|
Two dogs | $258.36 | $243.83 |
**Quotes are based on two pets in New York City (10001). The first pet is a 4-year old, male Beagle while the second pet is a 4-year old, male French Bulldog.
Read our full ASPCA Health review.
3. MetLife
Why we like MetLife for multipets:
With MetLife, you can combine your pets into a Family Plan with all the same benefits. If you prefer, you may opt for individual plans with different terms and coverages. The Family Plan comes with a shared annual limit, which can come in handy if one pet has a difficult year health-wise and requires more care.
Regardless of if you choose individual plans or the Family Plan, you’ll score a 5% multi-pet discount. MetLife’s robust accident and illness policy includes vet exam fees, prescription medications and food, holistic therapies, and even cremation or burial costs. Preventative care is also available as an add-on.
Pros
Short, 1-day waiting period for accidents
Offers discounts for military, animal care, and healthcare workers in addition to those insuring multiple pets
Most claims are processed within 10 days
Cons
No accident-only coverage
Doesn’t offer vet direct pay
Discount opportunities and plans vary by state
Sample pricing through MetLife
| Pet | Monthly cost | Monthly cost after discount |
|---|---|---|
Two dogs | $151.87 | $122.30 |
**Quotes are based on two pets in New York City (10001). The first pet is a 4-year old, male Beagle while the second pet is a 4-year old, male French Bulldog.
Read our full Met Life review.
4. Figo
Why we like Figo for multipets:
Figo’s multi-pet discount is 5%. Once you enroll your first pet, you’ll see the option to add more and be able to customize each pet’s coverage but still pay one premium. Figo accepts all pets, no matter their age so you can insure senior pets without any issues if you have them.
Note that if you do enroll a senior pet, Figo will require you to adhere to your vet’s recommendations for senior testing. The insurer’s Pet Cloud mobile app makes it a breeze to manage multiple pets. You can use it to view your pets’ medical records, file and manage claims, and consult a vet through the live 24/7 vet chat.
Pros
Includes Personalized Pet tags, which can help you find one of your pets if they go missing
One of the few pet insurers with an optional 100% reimbursement rate
Offers “Powerups,” which are optional coverages to further enhance your plan
Cons
No budget-friendly, accident-only plans
6-month waiting period for orthopedic conditions, unless you sign a waiver
Many online complaints about claim denials
Sample pricing through Figo
| Pet | Monthly cost | Monthly cost after discount |
|---|---|---|
Two dogs | $167.53 | $159.56 |
**Quotes are based on two pets in New York City (10001). The first pet is a 4-year old, male Beagle while the second pet is a 4-year old, male French Bulldog.
Read our full Figo review.
5. Lemonade
Why we like Lemonade for multipets:
In addition to a 5% multi-pet discount, Lemonade offers a 10% bundling discount you can take advantage of if you also enroll in another type of insurance policy, such as homeowners insurance, renters insurance, or car insurance. While the accident and illness plans are comprehensive, you might want to invest in add-ons for vet visit fees, dental care, and physical therapy.
You may also choose a Preventative wellness plan. It’s available in three tiers and covers various routine care services, such as wellness tests, vaccinations, routine dental cleaning, and flea/tick or heartworm medication. The short 2-day waiting period for accidents is a huge plus if one of your pets is particularly accident-prone.
Pros
Robust mobile app with video claim filing
Most claims paid within 24 hours
Donates unused premiums to your non-profit of choice
Cons
Requires you to get a separate quote for each pet
Limited coverage options for senior pets
Only available in 38 states
Sample pricing through Lemonade
| Pet | Monthly cost | Monthly cost after discount |
|---|---|---|
Two dogs | $136.58 | $129.76 |
**Quotes are based on two pets in New York City (10001). The first pet is a 4-year old, male Beagle while the second pet is a 4-year old, male French Bulldog.
Read our full Lemonade review.
6. Spot
Why we like Spot for multipets:
Spot’s 10% multi-pet discount will come into play if you buy separate policies for two or more pets. Keep in mind that while you may customize coverage for each pet, the discount won’t apply to your first pet’s premium. If one of your pets has a pre-existing condition like an ear or bladder infection, rest assured Spot will cover it, as long as they’ve been symptom-free for at least 180 days.
The accident and plan comes with a long list of standard and unique coverages that are sure to benefit your furry friends with varying needs. It’ll reimburse you for alternative therapies, behavioral problems, medical supplies, prescription food, supplements, tooth extractions, microchipping, and more.
Pros
Access to a 24/7 telehealth line
Offers no annual limits or caps on incidents
Covers prescription food
Cons
Higher premiums than other pet insurers
14-day waiting periods for all plans
Doesn’t offer the 30-day money-back guarantee in New York or Maine
Sample pricing through Spot
Pet | Monthly cost | Monthly cost after discount |
|---|---|---|
Pet | Monthly cost | Monthly cost after discount |
Two dogs | $242.60 | $228.07 |
**Quotes are based on two pets in New York City (10001). The first pet is a 4-year old, male Beagle while the second pet is a 4-year old, male French Bulldog.
Read our full Spot review.
7. Pets Best
Why we like Pets Best for multipets:
If you invest in BestBenefit accident and illness coverage through Pets Best and enroll multiple pets, you can expect a 5% discount. Keep in mind that if you’re a pet parent in Washington, this multi-pet discount is only available with an accident plan. Also, to lock in the multi-pet discount, you’ll need to add multiple pets when you initially buy coverage rather than when you’re already a policyholder.
Pets Best offers the lowest premiums for multiple pets out of all the insurers we reviewed. As an added bonus the insurer may pay your vet directly so you don’t have to wait for reimbursement. Other noteworthy perks include access to a 24/7 vet helpline and two preventative care options that can help you save on routine services like wellness exams, diagnostic panels, and vaccinations.
Pros
Low deductibles starting at $50
Accident-only plan available for budget-minded pet parents
Offers direct vet pay
Cons
Exam fee coverage requires an upgrade
Doesn’t pay for holistic therapies, food, or supplements
Accident plans require 90% reimbursement rate
Sample pricing through Pets Best
| Pet | Monthly cost | Monthly cost after discount |
|---|---|---|
Two dogs | $98.56 | $93.73 |
**Quotes are based on two pets in New York City (10001). The first pet is a 4-year old, male Beagle while the second pet is a 4-year old, male French Bulldog.
Read our full Pets Best review.
8. Pumpkin
Why we like Pumpkin for multipets:
Pumpkin’s 10% multi-pet discount will kick in for each additional pet you sign up after your first pet. The pet insurance company requires each pet to have its own coverage but you can get multiple quotes and finalize more than policy at one time.
Unlike other pet insurers, Pumpkin covers prescription food, microchipping, and end-of-life care in the base plan. In addition, you may choose from four deductibles ranging from $100 to $1,000 and three annual payout limits including an option for unlimited coverage, which might be worthwhile if one of your pets has serious health issues.
Pros
No upper age limits so senior pets are welcome
Shorter, 14-day waiting period for cruciate ligament injuries and hip dysplasia
Excellent TrustPilot rating
Cons
No coverage for herbal supplements or spay/neuter procedures
Doesn’t offer accident plans
No mobile app
Sample pricing through Pumpkin
| Pet | Monthly cost | Monthly cost after discount |
|---|---|---|
Two dogs | $215.94 | $203.02 |
**Quotes are based on two pets in New York City (10001). The first pet is a 4-year old, male Beagle while the second pet is a 4-year old, male French Bulldog.
Read our full Pumpkin review
Methodology: How We Picked the Best Pet Insurance for Multiple Pets
To zero in on the best pet insurance for pet owners with multiple pets, we looked for insurers with multi-pet discounts. From there, the BestMoney team focused on these categories:
Coverage terms: We looked at different coverage options including accident-only, accident-and-illness, and wellness policies. Our team also identified waiting periods as well as deductibles, coverage limits, and reimbursement rates. Additionally, we paid attention to exclusions and coverages to understand commonly excluded items.
Availability: We researched each pet insurance company's geographic availability. Some insurers cater to multi-pet owners in every state, while others limit coverage to those in certain states or zip codes.
Costs: We pulled quotes and compared sample premiums for multiple pets against national averages and the rates of other pet insurance companies. We considered value and discount opportunities as well.
Claims process: We gauged how easy it is to file claims with each pet insurance provider. Claim filing options as well as reviews from real customers offered valuable insights into the claims process.
Customer service: We identified how long each pet insurance company has been in business. From there, we read reviews on reputable, third-party reviews sites like Trustpilot and the Better Business Bureau (BBB).
To read our extended methodology for researching pet insurance companies, click here.
Insuring Multiple Pets: How it Works
By using one pet insurance company to insure several pets, you can simplify coverage and save money in the process. In many cases, each pet will have their own policy but you’ll manage them under one account for account. “You can customize deductibles, reimbursement rates, and coverage limits for each pet while still taking advantage of a multi-pet discount,” explains Dr. Cahn.
When it comes to multi-pet discounts, 5% or 10% is typical. However, you might also find some pet insurance companies that offer flat-rate discounts that will be deducted from your premium. Bundling discounts for buying more than one type of insurance plan from the same provider may be available as well. In addition, some insurers may offer special promotions that lead to additional savings for enrolling more than one pet.
How Much Does It Cost to Insure Multiple Pets?
The cost to insure multiple pets depends on factors such as:
Number of pets: Of course, the more pets you insure, the higher your premium will be. The good news is you may save money if you enroll several pets under a single policy.
Types of pets: If your pets are of varying ages and breeds, you can expect different rates. An older French Bulldog, for example, is usually more expensive to insure than a younger mixed breed dog or cat.
Coverage options: Depending on the insurer, you may choose from a budget-friendly accident-only plan or robust accident and illness policy. The deductible, reimbursement rate, and annual limits you select will also influence your premiums.
Discounts: Most pet insurers will reward you with a discount if you insure multiple pets. Even a 5% or 10% discount can help reduce your overall vet expenses. You may also land discounts for bundling, paying an annual premium, or being a part of the military or employed by a vet office.
It’s not uncommon to pay more than $100 or a few hundred dollars per month to insure two pets. Don’t hesitate to get free quotes from multiple pet insurance companies so you can get an idea of pricing for your unique situation and uncover the best deal.
Key Features of Good Multi-Pet Insurance
As you shop around and explore pet insurance options for multiple pets, be sure to look for these essential features.
Customizable coverage for each pet
Not all pets are created equal. In fact, there’s a good chance each of your pets has different health needs. Fortunately, most pet insurers let you select different coverage limits, deductibles, and reimbursement rates for each pet, ensuring you’re only paying for what each one needs.
Multi-pet discounts
Many pet insurance providers offer a discount for insuring multiple pets. You may score 5% or 10% off for simply enrolling more than one pet under a single policy with the same pet insurance company. In many cases, you’ll need to sign up all your pets at the same time to take advantage of a discount. Additionally, note that discount opportunities are subject to change and may vary by state.
Accident & illness coverage
“A good multi-pet plan should cover a range of medical expenses, from emergency injuries to chronic conditions,” says Dr. Cahn. Ideally, it will pay for items like diagnostics, treatments, prescription medications, hospitalizations, and even alternative therapies if one of your pets needs them.
Wellness coverage for routine care
The cost of routine care for multiple pets doesn’t come cheap. That’s where wellness coverage comes. It can reimburse you for preventive care like vaccinations, dental cleanings, and wellness visits.
Easy claims management
Managing multiple pets should be simple. After all, of the main benefits of insuring multiple pets under a single policy is simplified claims filing and reimbursements.“Look for an user-friendly online portal and mobile app to track claims, view policy details, and submit vet bills,” explains Dr. Cahn.
Finding the Best Insurance When You Have Multiple Pets
These tips can steer you toward the ideal multi-pet insurance policy.
Compare coverage options for each pet
Some pets may need higher coverage limits or lower deductibles, while others may only require basic coverage. “Choose a provider that understands this and lets you customize policies for each pet,” says Dr. Cahn.
Ask your network
Since multi-pet ownership is so common, don’t be afraid to reach out to your friends, family, and acquaintances for recommendations on pet insurance companies. They may be able to help you narrow down your options and even warn you of insurers they didn’t like. Your vet office might also provide you with some valuable insights.
Look for multi-pet discounts
“A multi-pet discount for insuring multiple pets can make a big difference,” says Dr. Cahn. You may enjoy 5% or 10% off, reducing your overall premium. Shop around to find out if you qualify for other discounts as well.
Consider wellness policies
If you have multiple pets, vet visits can add up fast. “A wellness plan, which is usually an add on, may help offset preventive care costs, keeping your pets healthier in the long run,” explains Dr. Cahn.
Check for breed-specific coverage
Some providers exclude hereditary conditions. “However, others cover breed-specific conditions as long as they aren’t pre-existing. If you have purebred pets, ensure your provider covers potential genetic conditions,” says Dr. Cahn.
Read the fine print on pre-existing conditions
Pre-existing conditions won’t be covered by most pet insurance providers. Some companies however take a unique approach by re-evaluating curable conditions after a certain period of no symptoms. If you’re insuring an older pet, this could make a big difference.
Balance cost with coverage needs
“While affordability is important, don’t sacrifice essential coverage,” explains Dr. Cahn. Adjusting deductibles and reimbursement rates can help manage premiums while still ensuring your pets get the care they need.
Frequently asked questions
What's the Best Pet Insurance for Multiple Pets?
The best pet insurance for multiple pets depends on your particular budget, goals, and the health needs of each of your pets. Embrace, ASPCA Pet Health, MetLife, Figo, Lemonade, Spot, Pets Best, and Pumpkin are all good options to consider.
Can You Put Multiple Pets on Pet Insurance?
Yes, many pet insurance companies will allow you to insure several pets under one policy. This can simplify account management and claims processing while potentially saving you money.
How Many Pets Can You Have on a Pet Insurance Plan?
The number of pets you can insure on a pet insurance plan depends on the pet insurance. Some providers allow up to three pets while others are more flexible and have a larger cap.
