a Guide for Multi-Pet Owners

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As countless families can attest, multiple pets can bring more joy and companionship to your home. But the more pets you have, the more vet bills you’ll inevitably pay. One way to reduce pet care for your fur babies is with a multi-pet insurance policy.

Our Top Picks for the Best Multi-Pet Insurance

Compare the Best Multi-Pet Insurance

Getting each of your pets insured can put a sizable dent in your budget, which is where multi-pet insurance comes in handy. When choosing the best multi-pet insurance, we looked at the flexibility of the policy in the number of pets, types of pets, and pet ages. As multi-pet insurance is supposed to save you money, we also looked at how cost-efficient the policy is and discounts given for enrolling multiple pets.

Here are our picks for the best multi-pet insurance in 2024.

Best for Unlimited Coverage: Healthy Paws

Healthy Paws Pet Insurance

Insider’s Rating

A five pointed star

4.67/5

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Perks

Offers coinsurance of up to 90% of each eligible bill with no annual limit

Pros

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Unlimited coverage options available
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Average claims processing time of 2 days
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Low deductible options
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Healthy Paws may cover curable preexisting conditions after a waiting period

Cons

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Coverage may decrease with age
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Rates may be higher than some competitors

Healthy Paws is one of the most popular pet insurance providers, selling policies in all 50 states and Washington, DC. Quotes are readily available online, and applications can be processed in minutes. In addition, Healthy Paws offers several options for your deductible, coinsurance, and total coverage.

For unlimited coverage, our quote for a 3-year-old mid-sized mix breed dog with a $500 deductible and 80% coinsurance came to $41.61 monthly. However, if you’re on a tighter budget, especially with multiple pets, you can toggle between options to adjust your price in seconds.

Healthy Paws Pet Insurance operates primarily online but has a call center to assist. According to customer reviews, some claims may take longer, but the value of sufficient coverage in an emergency cannot be underestimated. For example, if your dog swallows a sock, you might spend $1,500 with an affordable vet. But, on the other hand, you could pay $20,000 for one surgery if your dog gets certain intestinal cancers. So while the $10,000 policy you might get with some carriers may seem like a lot right now, it doesn’t account for risks that only rise with age.

Read our Healthy Paws Pet Insurance review here.

Best for Claims: Lemonade

Lemonade Pet Insurance

Insider’s Rating

A five pointed star

3.44/5

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Perks

10% off your policy for bundling insurance products; 5% off your policy for insuring multiple pets; and 5% off your policy for enrolling in the annual payment plan

Pros

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$12 premiums for basic care
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Add-ons available for other preventative care
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Comprehensive mobile experience for claims and support

Cons

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Only available in 37 states and Washington DC
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No 24/7 telehealth line for veterinary advice

Product Details

Discounts for bundling policies and having multiple pets
Starts at $10 a month
Offers a discount for enrolling in an annual payment plan

Lemonade is a comprehensive insurance provider offering renters, home, auto, term life, and pet insurance. Lemonade focuses on a digital experience. Customers can buy and manage policies online. However, Lemonade has a convenient app as well. The company website states you can obtain pet insurance for as low as $10 monthly.

Lemonade offers a unique claim filing option. Pet parents can go through the app to file a video claim. For those who don’t have the time to type it out or express themselves better in speech, this transforms the customer experience.

Multi-pet households can qualify for a 5% multi-pet discount and a 10% bundling discount when buying other types of insurance. Currently available in 37 states, Lemonade pet insurance can help cover procedures and emergency care, medication, blood work, CT scans, and more. It also offers preventative options to reduce the costs of routine care.

Lemonade claims are processed via AI, which streamlines payouts for most claims. The company website states claims can be approved in minutes. There are also numerous positive reviews around the claims process on Consumer Affairs.

Read our Lemonade Pet Insurance review here.

Best for Senior Pets: Pumpkin

Pumpkin Pet Insurance

Insider’s Rating

A five pointed star

4.33/5

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Perks

Offers 90% reimbursement on all pet insurance plans

Pros

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Unlimited annual coverage available after deductible available for dogs and cats
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Vet exam fee coverage for illnesses and accidents
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Multi-pet discounts available

Cons

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14 day waiting period for accidents
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No 24-7 pet healthline
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Rates may be higher than some competitors

Pumpkin Pet Insurance offers multi-pet pet insurance for dogs and cats and is the best option for seniors. Especially in multi-pet households, there’s a strong chance of at least one pet reaching its golden years. You shouldn’t have to seek out a different provider to get a separate pet insurance policy for your senior.

Pumpkin Pet Insurance’s website states it has “no upper age limits or breed exclusions, ever.” On the lower end, pets must be eight weeks old. In realistic terms, this means you have to wait until you bring your pet home to buy pet insurance.

There’s also a 10% multi-pet discount. So you can score some savings by adding more than one pet to your policy. In addition, Pumpkin sells accident and illness coverage. According to the company website, pet parents can get 90% back on qualifying veterinary bills.

As part of Pumpkin pet insurance, you can see any veterinarian licensed in the United States or Canada. It also covers certain things other insurers may not, including parasites, behavioral issues, dental illness, and hereditary conditions. Coverage can also extend to physical therapy and prescription food related to an accident or illness.

For dogs, annual limits include limits ranging from $10,000 to unlimited. For cats, the yearly limit options are $7,000, $15,000, or unlimited. Annual deductibles are as high as $1,000 and as low as $100, with 90% coinsurance (you pay 10%) across the board.

Like Lemonade, Pumpkin offers a prevention option called Prevention Essentials to cover regular wellness visits. While no mobile app is currently listed, the Pumpkin website is mobile-friendly.

Read our Pumpkin Pet Insurance review here.

Best Comprehensive Coverage: ASPCA

ASPCA Pet Insurance

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Insider’s Rating

A five pointed star

4/5

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Perks

Offers coinsurance of up to 90% of each eligible bill with a maximum of up to $10,000 per year

Pros

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Coverage available for dogs, cats, and horses
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No age limits for coverage
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10% multipet discount
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Up to 90% reimbursement after deductible
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Royalties go back to the ASPCA to care for homeless pets

Cons

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Available coverage tapers off with age
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Coverage can raise with pet’s age

ASPCA pet insurance offers an accident-only plan, which covers things like broken bones, bites, or if your pet swallows something they shouldn’t have. But where ASPCA shines is through its experience and comprehensive pet insurance coverage.

You can get the Complete CoverageSM plan which covers dental disease, accidents, illness, behavioral issues, and hereditary conditions. Getting up to 90% cash back on qualified expenses is possible. Like the other options listed above, it offers a preventive plan for $9.95 per month.

Pet parents with an ASPCA Pet Insurance plan can go to any licensed veterinarian in the United States or Canada with deductibles of $100, $250, or $500 and a reimbursement rate of 70%, 80%, or 90%.

The American Society for the Prevention of Cruelty to Animals® (ASPCA®) has been committed to animal welfare for over 155 years. The ASPCA does not underwrite or guarantee any ASPCA pet insurance policy. However, it does receive royalties from the company, which go towards rescuing homeless pets.

Read our ASPCA Pet Insurance review here.

Best for Discounts: Nationwide

Nationwide Pet Insurance

Insider’s Rating

A five pointed star

3.89/5

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Perks

Offers exotic pet coverage

AM Best Financial Strength Rating

A+

Pros

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Rated highly with AM Best
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Insures exotic pets
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5% discount for enrolling multiple pets
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Covers hereditary and congenital conditions

Cons

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Rigid deductibles and coverage limits
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Low reimbursement levels
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Premiums rise as pet ages

Nationwide Pet Insurance is a standout option for multi-pet pet insurance as it’s affordable, has low premiums, and has numerous discounts. In addition, as part of the more extensive Nationwide network, pet parents can bundle pet insurance with homeowners, auto, and more.

Once your pet is signed up, the company doesn’t impose upper age limits or breed restrictions on its insurance plans. One thing to note is it has an enrollment limit of 10 years old. One of the most appealing things to pet parents is that Nationwide Pet Insurance does not exclude all preexisting conditions. In other words, if your pet has a “curable” condition like an ear infection, it may be covered if asymptomatic for six months.

Nationwide pet parents get a 5% discount for multiple pets and 5% if they have other Nationwide insurance plans. Nationwide employees also get an additional discount on its pet insurance plans.

Read our Nationwide Pet Insurance review here.

Best for Prescription Foods: Spot

Spot Pet Insurance

Insider’s Rating

A five pointed star

4.22/5

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Perks

Offers coinsurance of up to 90% of each eligible bill with no annual limit

Pros

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Wellness plans and accident and illness plans available
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Available in all 50 states with comprehensive coverage options
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Coverage available for senior dogs and cats

Cons

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Pets have to be at least 8 weeks for coverage
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Does not offer coverage for exotic pets

Spot pet insurance offers a 10% multi-pet discount with accident-only coverage, accident and illness coverage, and a preventive care plan. In addition, you can take your pet to any licensed veterinarian in the United States or Canada for care.

Spot Pet Insurance sells cat insurance plans starting at $10 per month and dog insurance plans starting at $16 per month. Spot offers plans with no annual limit or caps on incidents and up to 90% cash back on eligible medical expenses.

Spot also has a 24/7 telehealth option if you need pet care at any hour. Your pet must be at least eight weeks old, with no upper age limit for senior pets.

Note there is a 14-day waiting period for coverage. So anything occurring in your first two weeks of coverage will not be reimbursed. However, Spot is the best option for prescription foods compared to other pet insurance providers. This applies specifically if the prescription did not predate the policy. So if your pet needs prescription food for an eligible condition, Spot can help with costs.

Read our Spot Pet Insurance review here.

Best for Additional Coverage Options: Figo

Figo Pet Insurance

Insider’s Rating

A five pointed star

4.22/5

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Perks

Offers coinsurance of up to 100% of each eligible bill with no annual limit

AM Best Financial Strength Rating

A-

Pros

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3 popular pet insurance plans
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Riders available for preventative care and routine vet services
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Affordable pricing

Cons

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Excludes certain genetic issues and preexisting conditions
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Insurer recommends submitting 12 months of vet records with your application
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Any claim filed in the first 6 months may be registered as a preexisting condition

Figo Pet Insurance offers a 5% multi-pet discount for cats and dogs with coverage for illnesses, accidents, and emergencies. It covers serious stuff like cancer, hereditary conditions, and chronic issues (not related to preexisting conditions). Figo also has a wellness plan for preventive care.

To get a Figo Pet Insurance policy, pets must be eight weeks old. While there’s no upper age limit, if you have a dog eight years old and up or a cat ten years old and up, the company asks pet parents to follow vet guidelines around any senior testing.

What makes Figo unique is it also covers holistic and alternative treatments. The company also covers dental diseases. There are no limits on the number of incidents, and both dogs and cats have three reimbursement options: $5,000 (Essential Plan), $10,000 (Preferred Plan), or unlimited (Ultimate Plan).

What’s impressive is Figo has just a one-day waiting period for accident-related injuries. Figo also includes 24/7 vet care via chat and states most claims are paid within three days. You can also see vets licensed in any country. All of this is managed on its mobile app Pet Cloud.

Where Figo stands out is its optional coverage options, which it refers to as “Powerups.” Wellness coverage can help defray costs related to exams and vaccinations. The Extra Care Pack includes unique perks like helping you with lost pet advertising, supporting burial and cremation costs if your beloved pet passes on, boarding fees, and help if your pet is lost or stolen. You can also get Veterinary Exams Fees which help pay for vet visits.

Read our Figo Pet Insurance review here.

Benefits of Multi-Pet Insurance

Cost Savings and Discounts

One of the primary benefits of multi-pet insurance is its cost-effectiveness. These policies are generally cheaper, and multi-pet insurance companies will often offer a 5-10% discount for enrolling multiple pets under the same policy.

Simplified Policy Management

Similar to the benefits of consolidating credit card debt, consolidating multiple plans into one also reduces the number of policies you have to keep track of. As a result, you’re less likely to miss a payment.

Choosing the Right Multi-Pet Insurance

Assessing Your Pets’ Insurance Needs

Obviously, your pets are all precious and unique. So are their needs. You’ll want to find a multi-pet insurance policy that fits your needs accordingly.

You’ll want to consider any pre-existing conditions that your pets have and see how each pet insurance company covers them. You’ll also want to consider the spread of your pets’ ages as many insurance companies have age caps on your pets.

Comparing Multi-Pet Insurance Providers

The best way to compare multi-pet insurance providers is to plug your pets’ information and compare quotes side-by-side. When acquiring quotes, you’ll also need to compare policy terms such as covered costs, flexibility, and reimbursement limits.

Best Multi-Pet Insurance FAQs

Multi-pet insurance can be more cost-effective due to potential discounts for insuring several pets under one policy.

Given the sheer number of pet insurance providers on the market, it’s a good idea to shop around and compare prospective quotes for coverage. Before deciding, consider affordability, coverage options, and what the plans cover.

Some insurance providers may have breed restrictions and most providers have age limits for pets in multi-pet plans, so it’s important to check these details when choosing a policy.

Yes, multi-pet insurance typically offers the same comprehensive coverage as individual policies but for multiple pets under one plan.

Most multi-pet insurance policies allow you to add new pets to the existing policy, often with additional discounts for each added pet.

Why You Should Trust Us: Our Methodology for Reviewing Multi-Pet Insurance Companies

Many pet insurance companies compete for your business, which can make it overwhelming to find the right one. To choose the top seven multi-pet insurance companies, we assessed coverage options, affordability, mobile apps/chat options, optional add-ons, and discounts. In addition, we looked for companies offering appropriate benefits that honored promises made. Most of all, we look for companies likely to be around for the rest of your pet’s natural life.

We know finding the right pet insurance is crucial to find care for your four-legged critter. Your pets are part of your family, and getting the right policy can offer peace of mind. But, more importantly, it can give you care options should your pet experience a medical emergency.

We looked at all the options on the market and boiled it down to these six options based on the criteria mentioned above. For more details, you can check out our rating methodology.

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Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Business Insider, Time, Huffington Post and more.
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