Best Pet Insurance For Multiple Pets
A review of the best pet insurance plans for multi-pet households – to protect the whole pack!
Written by
Lauren Rey
With 15 years of experience in the veterinary industry, Lauren is well-versed in the world of pet insurance. She’s a content writer for several online pet publications and loves to help pet parents stay informed. When not researching the latest pet news, you’ll probably find her off on an adventure with her rescue dog Pickles.
Last Update on Nov 2, 2023
Table of Contents
Key Takeaways
- Medical care for multiple pets can be costly
- Pet insurance can help cover these costs, in some cases up to 100%
- There are some pet insurance providers better suited for insuring multiple pets
- Some pet insurance providers offer multi-pet discounts
The Benefits Of Insuring Multiple Pets
Pet insurance is something every pet owner should consider, whether you have one pet or multiple. Caring for multiple pets can get quite costly, especially when medical problems arise. Pet insurance can help pet owners save significantly on their veterinary bills, with some policies covering up to 100%.
Some pet insurance providers also offer discounts when insuring multiple pets; adding another way pet owners can save on their pet’s healthcare.
The Best Pet Insurance Providers For Multiple Pets
While there are no pet insurance providers with multi-pet plans, there are some that offer more favorable coverage and discounts when insuring more than one pet.
Great for benefits
Embrace
Maximum Annual Coverage
$5,000, $10,000, Unlimited
Reimbursement Choices
70%, 80%, 90%
Deductible Choices
$100, $250, $500
App Available
Yes
Type of Pets Covered
Cats and Dogs
Waiting Periods
2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions for dogs
Show More Details
One of the leading pet insurance providers on the market, Embrace offers comprehensive coverage for accidents and illnesses, plus a flexible wellness plan for additional benefits. Covered costs include exams, diagnostics, treatments, surgeries, hospitalizations, prescription medications, and more.
Pros:
- Covers a wide range of conditions, including dental illness or injury
- Rehabilitation and other complementary treatments are covered
- Offers a short, 2-day waiting period for accident coverage
- Provides policyholders with access to 24/7 Pet Telehealth
- Diminishing deductible perks for every year a pet goes without a claim
Cons:
- Limited choices for annual coverage, reimbursement rate, and deductible
- 6-month waiting period for orthopedic conditions (unless waived by exam)
- No direct-vet-pay option
Additional Details
Why we picked them for multi-pet coverage:
- Good coverage for both dogs and cats
- Offers 10% multi-pet discount
- No breed restrictions or limits on genetic or hereditary conditions
- Covers a wide range of conditions with no per-condition limits
- Covers physical therapy and alternative therapies like acupuncture and laser for pets with hip dysplasia, orthopedic injuries, and/or other mobility issues
Best for many coverage options
Spot
Maximum Annual Coverage
$2,500 to Unlimited
Reimbursement Choices
70%, 80%, 90%
Deductible Choices
$100, $250, $500, $750, $1,000
App Available
Yes
Type of Pets Covered
Cats and Dogs
Waiting Periods
14 days
Show More Details
A top-rated, budget-friendly pet insurance option, Spot offers valuable coverage at a customizable price to fit all budgets. Covered costs include exams, diagnostics, treatments, hospitalizations, surgeries, prescription medications, and more. Wellness add-ons are also available.
Pros:
- Covers a wide range of conditions, including dental injury and illness
- Customizable annual coverage, deductibles, and reimbursement rates
- Affordable plans for all budgets
- Policyholders have access to 24/7 Pet Telehealth
- No upper age limits
Cons:
- 15-day accident coverage waiting period
- No direct-vet-pay option
Additional Details
Why we picked them for multi-pet coverage:
- Good coverage for both dogs and cats
- Offers 10% multi-pet discount
- No breed restrictions or limits on genetic or hereditary conditions
- Covers a wide range of conditions, including behavioral
- Covers some alternative therapies for pets with orthopedic injuries or mobility issues
Ideal pick for senior cats and dogs
Pumpkin
Maximum Annual Coverage
$10,000, $20,000, Unlimited
Reimbursement Choices
90%
Deductible Choices
$100, $250, $500
App Available
No
Type of Pets Covered
Cats and Dogs
Waiting Periods
14 days for accidents and illnesses
Show More Details
One of the newest and fastest-growing pet insurance providers on the market, Pumpkin offers extensive accident and illness coverage, plus optional wellness coverage. Covered costs include exams, diagnostics, lab work, treatments, surgeries, hospitalizations, and more.
Pros:
- Covers a wide range of conditions, including dental illness or injury
- No extended waiting periods for orthopedic conditions
- Unlimited option for annual coverage
- Reimburses 90% of all covered costs
- No upper-age restrictions
Cons:
- 14-day waiting period for all coverage
- Only offers a set reimbursement rate, no options to lower premiums
- No direct-vet-pay option
Additional Details
Why we picked them for multi-pet coverage:
- Good coverage for both dogs and cats
- Offers 10% multi-pet discount
- Covers a wide range of conditions
- No breed restrictions or limits on genetic or hereditary conditions
- Wellness plan offers 100% coverage for yearly exams, vaccines, and parasite screening
Lots of options for deductibles
Pets Best
Maximum Annual Coverage
$5,000, Unlimited
Reimbursement Choices
70%, 80%, 90%
Deductible Choices
$50, $100, $200, $250, $500, $1,000
App Available
Yes
Type of Pets Covered
Cats and Dogs
Waiting Periods
3 days for accidents, 6 months for coverage of cruciate ligament issues
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Founded by a veterinarian, Pets Best offers highly customizable pet insurance coverage with a direct-vet-pay option for emergencies to help relieve pet owners of high, out-of-pocket costs. Covered costs include exams, diagnostics, treatments, surgeries, hospitalizations, prescription medications, and more. Wellness add-ons are also available.
Pros:
- Covers a wide variety of conditions, including dental illness
- Customizable coverage, deductibles, and reimbursement rates
- Offers a short, 3-day waiting period for accident coverage
- Policyholders have access to 24/7 Pet Telehealth
- Direct-vet-pay option for emergencies
Cons:
- 6-month waiting period for cruciate ligament injury coverage in most states
- Bilateral conditions are not covered
Additional Details
Why we picked them for multi-pet coverage:
- Good coverage for both dogs and cats
- Offers 10% multi-pet discount
- No breed restrictions or limits on genetic or hereditary conditions
- Covers a wide range of conditions, including behavioral
- Rehabilitation therapy and wheelchairs or carts for pets recovering from orthopedic injuries or other mobility issues are covered
Best for short waiting period
Figo
Maximum Annual Coverage
$5,000, $10,000, Unlimited
Reimbursement Choices
70%, 80%, 90%, 100%
Deductible Choices
$100, $250, $500, $750
App Available
Yes
Type of Pets Covered
Cats and Dogs
Waiting Periods
1 day for accidents, 14 days for illnesses, 6 months for orthopedic injuries
Show More Details
A pet insurance company founded by pet owners, Figo offers comprehensive coverage for accidents and illnesses, plus optional “power-ups” to customize your pet’s coverage for their unique needs. Covered costs include diagnostics, lab work, treatments, hospitalizations, surgeries, and more.
Pros:
- Covers a wide range of conditions, including dental injury and illness
- A short, 1-day waiting period for accident coverage
- Customizable coverage with up to 100% reimbursement option
- Access to 24/7 Pet Telehealth and other perks with Figo Cloud
- Lightning-fast claims service (most processed within 3 days)
Cons:
- Exam fees are not included in the base plan (must be added as “power-ups”)
- 6-month waiting period for orthopedic conditions
- No direct-vet-pay option
Additional Details
Why we picked them for multi-pet coverage:
- Good coverage for both dogs and cats
- Offers 5% multi-pet discount
- Covers a wide range of conditions
- No breed restrictions or limits on genetic or hereditary conditions
- Covers some alternative therapies for pets with orthopedic injuries or mobility issues
- The shortest accident coverage waiting period on the market
Best for puppies and kittens
Lemonade
Maximum Annual Coverage
$5,000, $10,000, $20,000, $50,000, $100,000
Reimbursement Choices
70%, 80%, 90%
Deductible Choices
$100, $250, $500
App Available
Yes
Type of Pets Covered
Cats and Dogs
Waiting Periods
2 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events
Show More Details
Known as the high-tech, AI-powered, self-proclaimed insurance for the 21st century, Lemonade Pet Insurance offers highly customizable coverage at some of the most competitive prices. Covered costs include diagnostics, lab work, treatments, surgeries, hospitalizations, and more.
Pros:
- Covers a wide range of conditions
- Highly customizable coverage
- Offers special plans tailored to puppies and kittens
- Affordable plans for all budgets
- Fast, AI-powered digital claims service
Cons:
- Exam fees are not included in the base plan
- No direct-vet-pay option
- Not available in all states
Additional Details
Why we picked them for multi-pet coverage:
- Good coverage for both dogs and cats
- Covers a wide range of conditions
- No limits on genetic or hereditary conditions
- Multiple options to customize coverage including 3 different wellness plans
- Offers multiple ways to save: 5% multi-pet discount, 5% annual discount, and 10% bundle discount (when you bundle with one of Lemonade’s home, auto, or life insurance plans)
The Runner-Up
While this pet insurance does not offer a multi-pet discount, it’s still a worthy option, no matter how many pets you have to insure!
Trupanion
Maximum Annual Coverage
Unlimited
Reimbursement Choices
90%
Wellness Plan Benefits
$0 to $1,000
App Available
Yes
Types of Pet Covered
Cats and Dogs
Waiting Periods
5 days for accidents and 30 days for illnesses
Show More Details
Trupanion is known as the #1 Pet Insurance in America, and for good reason. Trupanion offers superior coverage and a fast, direct-vet-pay option to reduce upfront costs for pet owners. Covered costs include diagnostics, treatments, surgeries, hospitalizations, prescription medications, and more. Supplemental coverage add-ons are also available.
Pros:
- Covers a wide variety of conditions, including dental illness or injury
- No annual deductibles (per-condition deductible)
- Unlimited lifetime coverage
- Fast claims and reduced upfront costs with direct-vet-pay option
- Reimburses 90% of all covered costs
Cons:
- Exam fees are not covered
- No wellness plans offered
- Extended waiting periods: 5-day for accident, 30-day for illness
Additional Details
Why we picked them for multi-pet coverage:
- Good coverage for both dogs and cats
- Direct-vet-pay option reduces the financial burden for pet owners
- Covers many common health conditions with no caps
- No breed restrictions or limits on genetic or hereditary conditions
- Covers wheelchairs and carts for pets with mobility issues
Disclaimer: As with all insurance, pre-existing conditions are excluded, changes in coverage or eligibility can occur, and waiting periods typically apply. Discounts may also not be available in all areas. Check individual policies in your state for more details.
Choosing The Right Pet Insurance For Multiple Pets
When choosing an insurance provider for multiple pets, it’s important to consider a few key factors.
Plans That Offer A Wide Range of Coverage For All Pets
Pet insurance plans that cover a wide range of conditions will often have the ideal balance of coverage for your multi-pet household, especially if you own different species and breeds. A good pet insurance provider will offer plans covering all the most common conditions of both cats and dogs.
On the other hand, if you have two pets of the same species and breed, you’ll want to look closely at coverage for their specific needs. For instance, if you have two German Shepherd dogs, you’ll want to ensure hip dysplasia is covered. Likewise, if you have two Persian cats, you’ll want to make sure cardiomyopathy is covered.
No Breed Restrictions Or Limits On Genetic Or Hereditary Conditions
The best pet insurance plans will have no breed restrictions or any limits on coverage for genetic or hereditary conditions. There are many health conditions that can be considered breed-specific, genetic, or hereditary. To avoid future denied claims, it’s best to choose a policy without such restrictions. This type of coverage is especially important if any of your pets are considered a high-risk breed.
Some high-risk breeds for hereditary or genetic health issues include:
- Brachycephalic Breeds – flattened faces and shortened noses such as English Bulldogs and Himalayan Cats, they can be prone to respiratory issues.
- Chondrodystrophic Breeds – shortened legs and elongated spines like Dachshunds and Basset Hounds, they can be prone to back problems.
- Giant Breeds – dogs that typically weigh over 100 pounds such as Great Danes and English Mastiffs can be prone to orthopedic conditions due to their size.
Plans That Offer Wellness Coverage
Pet insurance plans with wellness coverage options can be especially beneficial to owners with multiple pets that have higher yearly veterinary costs. Pet owners who keep up with their pet’s routine care and health screenings are more likely to find problems early when they are more treatable.
Wellness add-ons typically cover things like annual exams, vaccines, routine lab work, dental cleanings, and other preventative care items. Some plans also offer flexible coverage where pet owners can choose from a long list of reimbursable items including things like grooming, training, and pet products.
Multi-Pet Discounts
While a discount shouldn’t be the only deciding factor in choosing insurance for your pets, if you’re torn between two plans with similar coverage, a discount may be the tiebreaker. Some plans offer 5% to 10% off when you insure multiple pets. Depending on how many pets you have and your monthly premium costs, this could save you a few hundred dollars a year or more.
Enrolling Multiple Pets In An Insurance Policy
While many pet insurance companies offer discounts and other perks for enrolling multiple pets, each pet will have their own insurance policy. There is no shared coverage or family plans like in human health insurance.
To enroll multiple pets, you’ll need to complete the enrollment process for each pet according to your chosen insurance provider’s instructions. Many can be completed online in a matter of minutes.
Frequently Asked Questions (FAQs)
What Are The Advantages Of Having Pet Insurance For Multiple Pets?
The biggest advantage of insuring multiple pets is having significantly reduced veterinary costs. Pet owners can have between 70% to 100% of their pet’s medical care covered (after deductible), depending on their chosen plan. Some providers also offer discounted premiums when insuring multiple pets which is another great advantage of having all of your pets covered.
Are There Any Discounts For Multi-Pet Insurance Policies?
Some pet insurance providers offer a 5% to 10% discount when insuring two or more pets in the same household. Several options are outlined above.
Can I Enroll Different Species Of Pets In The Same Insurance Policy?
Pet insurance works differently from human health insurance so every pet will be enrolled in their own policy. There are no shared coverage, dependent, or family-style pet insurance policies. Most pet insurers offer policies for all species of domestic dogs and cats. Very few offer coverage for exotic species.
Is It Possible To Add A Pet To An Existing Pet Insurance Policy?
A new pet can be added to your existing insurer at any time. Since there’s no shared coverage, each pet will have their policy and go through a separate enrollment process.
What Factors Affect The Cost Of Multi-Pet Insurance?
The factors that will affect premium costs include your pet’s breed, age, sex, medical history, and location. When it comes to insuring multiple pets, each one may have a different cost. Multi-pet discounts may reduce your monthly premiums by 5% to 10%.
Find out more
- Pet Insurance with No Waiting Period – Immediate coverage for all your pets.
- Pet Insurance for Pre-existing Conditions – Find plans that accept pets with existing health issues.
- Does Pet Insurance Cover Vaccinations? – Keep your pets’ vaccinations up to date with the right plan.
- What Does Pet Insurance Cover? – Comprehensive coverage details for all your pets.
- How Much Does Pet Insurance Cost? – Budgeting for insurance for multiple pets.
- List of Pet Insurance Companies – Compare providers for multi-pet discounts.
- Pet Insurance That Pays the Vet Directly – Streamline your vet visits with direct payments.
- Is Pet Insurance Worth It? – Evaluating the investment for multiple pets’ health.
Lauren Rey
Author
With 15 years of experience in the veterinary industry, Lauren is well-versed in the world of pet insurance. She’s a content writer for several online pet publications and loves to help pet parents stay informed. When not researching the latest pet news, you’ll probably find her off on an adventure with her rescue dog Pickles.
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