Best Pet Insurance Plans for Multiple Pets (2024 Review)
If you own more than one pet, your chances of running into major veterinary bills are multiplied. That means pet insurance is a must-have – and with the additional cost, it’s all the more important to get the right policy. In this article, we’ll go over everything you need to know about buying insurance for multiple pets, including ways to save money while making sure your animals are protected.
With more than one pet, your monthly costs will be higher than if you were only insuring one. The good news, though, is that most pet insurance providers offer discounts on coverage for multiple pets. Providers with excellent benefits for people with multiple pets include:
- Spot: Best overall
- Lemonade: Most affordable
- ASPCA: Most experienced
- Embrace: Best for deductibles
- Healthy Paws: Best for chronic conditions
- Figo: Most flexible reimbursement rates
- Wagmo: Best for immediate reimbursement
- Trupanion: Most flexible deductible
Compare Pet Insurance Companies for Multiple Pets
| Best For | Star Rating | Monthly Cost | Link | ||
|---|---|---|---|---|---|
| Spot |  | Most Inclusive | $22-$80 | Compare Quotes | |
| Lemonade |  | Most Affordable | $16–$30 | Compare Quotes | |
| ASPCA Pet Insurance |  | Most Experienced | $18–$44 | Compare Quotes | |
| Embrace |  | Best for Discounts Offered | $23-$85 | Compare Quotes | |
| Healthy Paws |  | Best for Chronic Conditions | $24–$54 | Compare Quotes | |
| Figo |  | Most Flexible Reimbursement Rates | $25-$54 | Compare Quotes | |
| Wagmo |  | Best for Immediate Reimbursement | $18–$28 | Compare Quotes | |
| Trupanion |  | Most Flexible Deductible | $26-$208 | Compare Quotes |
| Spot | |
|---|---|
| Logo |
 |
| Best For | Most Inclusive |
| Star Rating | |
| Monthly Cost | $22-$80 |
| Lemonade | |
|---|---|
| Logo |
 |
| Best For | Most Affordable |
| Star Rating | |
| Monthly Cost | $16–$30 |
| ASPCA Pet Insurance | |
|---|---|
| Logo |
 |
| Best For | Most Experienced |
| Star Rating | |
| Monthly Cost | $18–$44 |
| Embrace | |
|---|---|
| Logo |
 |
| Best For | Best for Discounts Offered |
| Star Rating | |
| Monthly Cost | $23-$85 |
| Healthy Paws | |
|---|---|
| Logo |
 |
| Best For | Best for Chronic Conditions |
| Star Rating | |
| Monthly Cost | $24–$54 |
| Figo | |
|---|---|
| Logo |
 |
| Best For | Most Flexible Reimbursement Rates |
| Star Rating | |
| Monthly Cost | $25-$54 |
| Wagmo | |
|---|---|
| Logo |
|
| Best For | Best for Immediate Reimbursement |
| Star Rating | |
| Monthly Cost | $18–$28 |
| Trupanion | |
|---|---|
| Logo |
 |
| Best For | Most Flexible Deductible |
| Star Rating | |
| Monthly Cost | $26-$208 |
*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above.
Why Coverage for Multiple Pets is Important
Vet bills can be a financial burden even with one pet. With multiple pets, they can pile up quickly – especially if more than one animal gets hurt or sick at the same time.
But if you buy the right policy, pet insurance can help you cover the costs of these bills. Most pet insurance policies will reimburse you for a large percentage of your total vet expenses, often between 70% and 90% once you’ve hit your deductible. This can help take a charge of many thousands of dollars and reduce it to a few hundred dollars. You’ll be able to protect your pets and your pocketbook at the same time.
Discounts for Multi-pet Insurance Policies
The best pet insurance providers for multiple pets offer discounts between 5% and 10% when you buy a policy for each animal.
| Provider | Discount available |
|---|---|
| Spot | 10% |
| ASPCA | 10% |
| Embrace | 10% |
| Lemonade | 5% |
| Figo | 5% |
| Wagmo | 5% |
| Trupanion | None |
| Healthy Paws | None |
Pet Insurance Cost for Multiple Pets
We requested sample quotes from the top pet insurance providers to help you get a better idea of what you might pay for coverage for multiple pets. Quotes below were collected in February 2023 for a male 4-year-old labrador retriever and a male 2-year-old French bulldog living under the same roof in Atlanta, Georgia. All quotes are for policies that include an 80% reimbursement rate and a $500 deductible, unless otherwise noted. Prices are accurate at the time of the quote, but may change over time.
$5,000 multi-pet insurance discounts and average costs
| Provider | Multi-Pet Discount | Average Total Monthly Price for Multiple Pets |
|---|---|---|
| Lemonade | 5% | $50.12 |
| Figo | 5% | $89.62 |
| ASPCA | 10% | $94.21 |
| Embrace | 10% | $97.40 |
| Spot | 10% | $119.16 |
$10,000 multi-pet insurance discounts and average costs
| Provider | Multi-Pet Discount | Average Total Monthly Price for Multiple Pets |
|---|---|---|
| Lemonade | 5% | $55.10 |
| Embrace | 10% | $110.20 |
| Figo | 5% | $113.59 |
| ASPCA | 10% | $124.30 |
| Spot | 10% | $124.38 |
| Wagmo* | 5% | $205.24 |
*All Wagmo policies include 90% to 100% reimbursement rates and $20,000 annual limits. 90% reimbursements were used for coverage quotes.
Unlimited coverage multi-pet insurance discounts and average costs
| Provider | Multi-Pet Discount | Average Monthly Price for Multiple Pets |
|---|---|---|
| Figo | 5% | $127.12 |
| Healthy Paws | None | $129.61 |
| Embrace | 10% | $136.28 |
| Spot | 10% | $177.87 |
| Trupanion* | None | $195.23 |
*All policies from Trupanion include 90% reimbursement rates.
Cost of Multi-Pet Insurance for Cats
The sample cat insurance quotes below are for three American Shorthairs in Winston-Salem, N.C. We selected a Spot policy with a $4,000 annual limit, 80% reimbursement rate, and $250 deductible for each cat.
Socks’ and Felix’s premiums have the 10% discount applied for a total of $2.58 in monthly savings.
| Cat | Age (in Years) | Monthly Premium | With 10% Discount |
|---|---|---|---|
| Rosie | 4 | $11.91 | $11.91 |
| Socks | 3 | $11.91 | $10.72 |
| Felix | 6 | $13.90 | $12.51 |
| Total Monthly Cost: | $37.72 | $35.14 |
Cost of Multi-Pet Insurance for Dogs
The following Spot dog insurance quotes are for three Beagles in Winston-Salem, N.C. We selected a $4,000 annual limit, 80% reimbursement rate, and $250 deductible for each dog.
Rusty’s and Copper’s premiums have the 10% discount applied for a total of $7.07 in monthly savings.
| Dog | Age (in Years) | Monthly Premium | With 10% Discount |
|---|---|---|---|
| Rusty | 3 | $30.26 | $27.23 |
| Daisy | 4 | $32.28 | $32.28 |
| Copper | 6 | $40.35 | $36.31 |
| Total Monthly Cost: | $102.89 | $95.82 |
How Pet Insurance Works for Multiple Pets
Pet insurance for multiple pets works almost identically to standard reimbursement-based pet insurance for a single animal. Multi-pet insurance plans include a separate deductible for each pet, meaning that you’ll need to meet it with each dog or cat’s individualized care costs. You’ll pay for veterinary care at the time of service, submit a receipt to your insurance provider, and see a refund for a percentage of covered treatments your pet received.
As you shop for a policy, you’ll notice a variety of coverage terms specific to the insurance industry. Be sure to review the following three important coverage points before you buy pet insurance.
- Deductible. A plan’s deductible is the amount of money pet owners need to contribute to each pet’s care costs before insurance will begin reimbursing them. Multi-pet insurance policies include a unique deductible for each pet on the plan.
- Reimbursement rate. The reimbursement rate is the percentage of your vet bills that insurance will cover after meeting your deductible.
- Coverage limits. All pet insurance plans include upper limits on coverage. Note this coverage limit, which may be instituted annually or per condition.
How to Find the Best Insurance for Your Multiple Pets
To find the best multi-pet insurance, you can generate sample pet insurance quotes from a few providers. This will help you see available plan options and prices. You may find that one provider offers a customization level that lowers your premiums without cutting your coverage short.
What To Look For in a Policy
While researching policies, look for providers that cover as many of your pet’s needs as possible.
For example, if you have a kitten and a senior cat, you’ll want to find a provider with no age limits and highly customizable rates. You might also need a wellness package add-on and physical therapy coverage for your little buddy’s first year and your longtime pal’s rehabilitation.
Keep an eye out for companies that offer discounts, too. We know that many top providers discount pet insurance for multiple pets, but many also knock off a percentage for military personnel, rescue pets, and service animals.
Red Flags To Avoid
Avoid selecting preset plan options when purchasing multi-pet insurance. Most pet insurance providers offer customizability, so you should take advantage of this to meet each of your pet’s specific needs. Depending on your pet’s breed, age, and medical history, you’ll want to select custom rates that optimize its coverage.
Summary of the Best Pet Insurance Plans for Multiple Pets
| | Spot | Lemonade | Embrace |
|---|---|---|---|
| Quote | Visit Site | Visit Site | Visit Site |
| Our Score | 4.9/5 | 4.8/5 | 4.7/5 |
| Dental Illness Covered? | Yes | No | Yes |
| Dental Injuries? | Yes | Yes | Yes |
| Wellness Coverage? | Yes | Yes | Yes |
| Pre-existing Coverage? | No* | No | No* |
| BBB Rating | A- | F | A+ |
*Spot will cover pre-existing conditions that have been asymptomatic or without treatment for 180 days before your policy started. Embrace will cover pre-existing conditions that have been symptom- and treatment-free for at least 12 months before your policy began. Orthopedic events like hip dysplasia and cruciate ligament injuries aren’t eligible for these exceptions.
Spot for Multiple Pets
Spot
Most Inclusive
Lemonade for Multiple Pets
Lemonade
Most Affordable
ASPCA for Multiple Pets
ASPCA Pet Insurance
Most Experienced
Embrace for Multiple Pets
Embrace
Best for Discounts Offered
Healthy Paws for Multiple Pets
Healthy Paws
Best for Chronic Conditions
Figo for Multiple Pets
Figo
Most Flexible Reimbursement Rates
Wagmo for Multiple Pets
Wagmo
Best for Immediate Reimbursement
Trupanion For Multiple Pets
Trupanion
Most Flexible Deductible
How Pet Insurance Works for Multiple Pets
Pet insurance for multiple pets works almost identically to standard reimbursement-based pet insurance for a single animal. Multi-pet insurance plans include a separate deductible for each pet, meaning that you’ll need to meet it with each dog or cat’s individualized care costs. You’ll pay for veterinary care at the time of service, submit a receipt to your insurance provider, and see a refund for a percentage of covered treatments your pet received.
As you shop for a policy, you’ll notice a variety of coverage terms specific to the insurance industry. Be sure to review the following three important coverage points before you buy pet insurance.
- Deductible. A plan’s deductible is the amount of money pet owners need to contribute to each pet’s care costs before insurance will begin reimbursing them. Multi-pet insurance policies include a unique deductible for each pet on the plan.
- Reimbursement rate. The reimbursement rate is the percentage of your vet bills that insurance will cover after meeting your deductible.
Coverage limits. All pet insurance plans include upper limits on coverage. Note this coverage limit, which may be instituted annually or per condition.
How to Find the Best Insurance for Your Multiple Pets
To find the best multi-pet insurance, you can generate sample pet insurance quotes from a few providers. This will help you see available plan options and prices. You may find that one provider offers a customization level that lowers your premiums without cutting your coverage short.
What To Look For in a Policy
While researching policies, look for providers that cover as many of your pet’s needs as possible.
For example, if you have a kitten and a senior cat, you’ll want to find a provider with no age limits and highly customizable rates. You might also need a wellness package add-on and physical therapy coverage for your little buddy’s first year and your longtime pal’s rehabilitation.
Keep an eye out for companies that offer discounts, too. We know that many top providers discount pet insurance for multiple pets, but many also knock off a percentage for military personnel, rescue pets, and service animals.
Red Flags To Avoid
Avoid selecting preset plan options when purchasing multi-pet insurance. Most pet insurance providers offer customizability, so you should take advantage of this to meet each of your pet’s specific needs. Depending on your pet’s breed, age, and medical history, you’ll want to select custom rates that optimize its coverage.
Final Thoughts: Is pet insurance worth the cost for multiple pets?
You should never have to choose between your budget and your pet’s healthcare, no matter how steep the cost. Pet insurance provides a financial buffer, allowing you to give your pets more than the bare minimum for veterinary care.
We hope this article helps you find the best pet insurance for multiple pets, so you can stress less and focus more on being the multitasking, ball throwing, superstar pet parent you are. No matter which plans you choose, you’ll have peace of mind knowing every last one of your fur babies is covered from wet nose to wagging tail.
Frequently Asked Questions About Pet Insurance For Multiple Pets
Is pet insurance cheaper with multiple pets?
Pet insurance for multiple pets is often cheaper because most companies offer bundling discounts. When you buy multiple policies, you can claim a percentage discount on each plan.
Can I Buy Pet Insurance for Multiple Pets?
It is possible to add multiple pets to a plan with some of our providers, while others may require you to purchase a separate policy for each pet. Many providers will allow you to buy multiple policies for cats and dogs, however, you may be out of luck with birds and exotic pets.
How Does Pet Insurance for Multiple Pets Work?
Depending on whether you choose to buy pet insurance for multiple pets or have separate policies for each pet, you will either have one policy covering all your pets or separate policies for each pet. If you have more than one pet on the same policy, you may have a separate deductible and reimbursement amount. A claim will be submitted to your insurance company after you pay your pet’s vet bill upfront. It’s simply a matter of selecting the pet for which the claim has been submitted.
Our Methodology
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