Did You Know?
5,534 pet owners requested and received a free no-obligation quote from one of the above companies in the last 30 days.
What Is Pet Insurance For Multiple Pets and How Does It Work?
Having more than one pet increases your routine vet bills and the likelihood that you will have to pay emergency vet bills during your pets’ lifetimes. Getting a pet insurance plan for multiple pets can protect you from future financial burdens and provide peace of mind knowing your pets are covered in the event of an emergency.
When purchasing multi-pet insurance, you can typically select an option to add pets during policy enrollment. Most companies offer a 5% to 10% discount for having two or more pets on a single policy.
However, as a pet owner, you have the choice of purchasing a completely separate policy for additional pets. You may choose this option if you already have an insurance plan for an existing pet then get a new animal, or if your pet is beyond the age threshold for your preferred company.
MARKETWATCH GUIDES TIP
We recommend getting quotes for a multi-pet policy from at least three pet insurance providers. Each pet insurance company offers varying levels of coverage and multi-pet discounts. We suggest looking at the overall plan cost instead of just the multi-pet discount offered by a provider.
Depending on your provider, you may have the option to select different reimbursem*nt rates, annual coverage limits and deductibles for each pet. Customizing these options could make your monthly rate more affordable, especially if you’re adding a pure-bred or older pet to your policy.
Submitting a claim on a multi-pet insurance policy is similar to a single-pet insurance plan. The only difference is there will likely be an extra step of selecting which animal the claim is for with corresponding medical documentation.
Best Pet Insurance Companies For Multiple Pets
Below are the top pet insurers that offer multi-pet discounts:
- Lemonade: Our Top Pick
- Spot: Best for customizable coverage
- Embrace: Best for multiple pets
- Figo Pet Insurance: Most affordable
- ASPCA Pet Health Insurance: Best for senior pets
- Pets Best Insurance: Best for vet-direct pay
- Pawp: Best pet insurance alternative
Why Trust Us?
Here’s a breakdown of how we reviewed and rated the best pet insurance companies
10
Unique Pet ProfilesWe collected quotes for five cats and five dogs, including purebred and mixed-breed pets, using three age ranges covering puppies and kittens, adults and senior pets.
17,330
Quotes CollectedOur team collected more than 17,330 sample quotes from pet insurance companies using unique pet profiles to give readers an accurate view of pricing across competitors. We gather quotes across all 50 U.S. states and update our pages regularly to provide accurate and timely cost information.
21
Analyzed Providers NationwideOur team secret-shopped for policy quotes from 21 of our top-rated pet insurance providers nationwide. We requested quotes from companies that scored the highest across certain areas of our rating methodology, including the available number of plan options and covered treatments.
40
Years of Combined Veterinary ExperienceOur writers and reviewers have over 40 years of combined veterinary experience, confirming the accuracy of our pet-care pricing and weighing in on whether a plan is worth the cost.
Lemonade
Our Top Pick For Multiple Pets
4.7
Costs & Discounts: 4.2/5
Coverage: 4.7/5
Covered Treatments: 4.6/5
Customer Experience: 4.6/5
Industry Standing: 4.3/5
Availability: 4.9/5
Our Review
Multi-pet discount5%Coverage limits$5k-$100k
MONTHLY COST$23
Why We Picked Lemonade
Though primarily known for its homeowners and renters insurance, Lemonade also offers comprehensive pet insurance plans. The company has more affordable policies than many of its competitors, making it an excellent choice for pet parents on a budget. It also has a user-friendly mobile app that allows you to manage your pet’s health, track your policy coverage, check billing and file claims. Lemonade offers a 5% discount for enrolling multiple pets.
Pros and Cons
Pros 5% discount for multiple pets No accident waiting period in certain states 10% discount for bundling your pet insurance policy with Lemonade home insurance or renters insurance Cons Not available in 15 states Doesn’t cover pets over 14 years old
Our Ratings
Get a more detailed look at how Lemonade performed in our 2024 pet insurance study in the table below, along with averages from all providers in our study for comparison.
Coverage
Lemonade offers one accident and illness plan that covers diagnostic tests, hospitalizations, surgery, cancer treatments, broken bones and sprains, prescription medications and more. Lemonade doesn’t cover preexisting conditions, behavioral treatments or elective or cosmetic procedures.
Spot Pet Insurance
Best for Customizable Coverage
4.4
Costs & Discounts: 3.4/5
Coverage: 5/5
Covered Treatments: 4.8/5
Customer Experience: 4.4/5
Industry Standing: 4.5/5
Availability: 5/5
Our Review
Multi-pet discount10%Coverage limits$2k-unlimited
MONTHLY COST$54
Why We Picked Spot
Spot Pet Insurance offers more customizable plans than many competitors, with annual limit options ranging from $2,500 to unlimited. It also covers some items many providers exclude, such as exam fees and microchipping. The company provides a 10% discount for multi-pet coverage.
Pros and Cons
Pros 10% discount for multiple pets Unlimited annual coverage option No upper age limit for enrollment Cons 14-day waiting period, which is longer than some competitors No customer service on weekends
Our Ratings
See how Spot earned its scores in our 2024 pet insurance study in the table below. To help you compare, we’ve also provided average scores from all providers in our study.
Coverage
Spot offers a low-cost accident-only plan and an accident and illness plan with more comprehensive coverage. Like other pet insurance providers, Spot excludes preexisting conditions.
Embrace
Best for Multiple Pets
4.6
Costs & Discounts: 3.6/5
Coverage: 5/5
Covered Treatments: 4.7/5
Customer Experience: 4.7/5
Industry Standing: 4.8/5
Availability: 5/5
Our Review
Multi-pet discount10%Coverage limits$5k-$30k
MONTHLY COST$56
Why We Picked Embrace
Embrace is ideal for pet parents searching for cheap pet insurance. The company provides considerable savings opportunities, including a 10% discount for each additional pet you enroll, a 5% military discount and a 10% discount for employees of companies that offer Embrace as a benefit.
Pros and Cons
Pros 10% discount for each additional pet enrollment Online customer support via live chat Your deductible drops by $50 each year you don’t file a claim Cons Excludes supplements and prescription food coverage (unless you purchase a Wellness Rewards plan add-on) Includes a $650 annual limit for its wellness plan add-on
Our Ratings
The table below provides a more detailed look at how Embrace performed in our 2024 pet insurance study. We’ve also listed industry averages from all providers in our study for reference.
Coverage
Embrace offers one accident and illness plan covering injuries, illnesses, chronic conditions, hip dysplasia and other conditions. It also covers alternative therapies, cancer treatments, emergency care, surgery, diagnostic procedures, physical therapy and more. Embrace excludes preexisting conditions and elective procedures, as do most other companies.
Figo
Most Affordable
4.6
Costs & Discounts: 4.8/5
Coverage: 4.9/5
Covered Treatments: 4.4/5
Customer Experience: 4.6/5
Industry Standing: 3.9/5
Availability: 5/5
Our Review
Multi-pet discount5%Coverage limits$5k-Unlimited
MONTHLY COST$39
Why We Picked Figo
Most companies reimburse only up to 90% of a veterinary bill, but Figo offers a 100% reimbursem*nt option. Figo also offers unlimited annual coverage and a variety of useful wellness plan add-ons for more comprehensive coverage, such as liability coverage for damages or injuries your pet causes. Figo offers a 5% multi-pet enrollment discount.
Pros and Cons
Pros 5% multi-pet enrollment discount One-day waiting period, which is shorter than most competitors No upper age limit for enrollment Cons Coverage excludes behavioral training (without a wellness add-on) Additional monthly charge for exam fee coverage (unless you purchase an optional veterinary exam fee coverage add-on)
Our Ratings
See how Figo scored in our 2024 pet insurance study alongside industry averages from all providers in our study in the table below.
Coverage
Figo offers three tiers of accident-and-illness coverage. Their Essential plan provides $5,000 of coverage annually, while the Preferred plan offers $10,000 of coverage. Its Unlimited plan has no annual caps, so you’ll never run out of coverage.
ASPCA Pet Health Insurance
Best for Senior Pets
4.4
Costs & Discounts: 3.8/5
Coverage: 4.8/5
Covered Treatments: 4.7/5
Customer Experience: 4.3/5
Industry Standing: 4/5
Availability: 4.9/5
Multi-pet discount10%Coverage limits$3k-$10k
MONTHLY COST$31
Why We Picked ASPCA
With more than 15 years of experience, ASPCA Pet Health Insurance is one of the most well-known and established providers in the pet insurance industry. It offers multiple customization options to fit your needs and budget. It also offers a 10% multi-pet enrollment discount. However, ASPCA caps coverage at $10,000 per year, which is low compared to other providers.
Pros and Cons
Pros 10% multi-pet enrollment discount Every plan covers microchipping Accident-only plan is available for a low monthly premium Cons Transaction fee required for monthly payments Maximum annual coverage limit of $10,000, which is lower than most providers
Our Ratings
Check the table below to see how ASPCA Pet Health Insurance scored in our pet insurance study this year. You can use the industry average scores from all providers in our study as points of reference.
Coverage
ASPCA Pet Health Insurance’s accident-only plan covers emergencies related to accidents and injuries. Its Complete Coverage Plan covers accidents, illnesses, dental diseases, behavioral issues, hereditary conditions, congenital conditions and more. Like other companies, preexisting conditions, breeding costs and cosmetic procedures are not covered by any ASPCA plan.
Pets Best
Best for Vet-Direct Pay
4.7
Costs & Discounts: 4.4/5
Coverage: 5/5
Covered Treatments: 4.6/5
Customer Experience: 4.8/5
Industry Standing: 4.4/5
Availability: 5/5
Our Review
Multi-pet discount5%Coverage limits$5k-Unlimited
MONTHLY COST$44
Why We Picked Pets Best
Pets Best covers pets of all ages, but it stands out for its coverage of older pets. Pets Best has no upper age limit, so you can enroll your furry friend anytime. Pets Best also offers a 10% multi-pet enrollment discount and provides coverage for prescribed prosthetic devices and wheelchairs, which can be beneficial for aging pets with mobility issues.
Pros and Cons
Pros 10% multi-pet enrollment discount No upper age limits for coverage 24/7 Pet Helpline with access to veterinary experts Cons Claims take an average of 30 days to process Limited annual coverage cap options ($5,000 or unlimited)
Our Ratings
Find out how Pets Best scored in our 2024 pet insurance study in the table below. We’ve provided industry averages from the providers in our study for comparison.
Coverage
Pets Best provides several coverage options. Its accident and illness coverage, called the BestBenefit plan, offers three tier options: Essential, Plus and Elite. Each tier level increases in coverage and monthly premium cost.
Pets Best also offers an accident-only plan with a $10,000 annual limit, $250 deductible and 90% reimbursem*nt rate. The accident-only plan is the most budget-friendly option, starting at $6 per month for cats and $9 per month for dogs.
It also offers an accident-only plan with a $10,000 annual limit, $250 deductible and 90% reimbursem*nt. The accident-only plan is the most budget-friendly option, starting at $6 per month for cat insurance and $9 per month for dog insurance.
Pawp
Best Pet Insurance Alternative
3.6
Costs & Discounts: 3.2/5
Coverage: 2.9/5
Covered Treatments: 4.1/5
Customer Experience: 3.9/5
Industry Standing: 3.3/5
Availability: 4.9/5
Our Review
Multi-pet discountNo discount, but you can enroll up to six pets per planCoverage limitsOne emergency vet bill per year up to $3k
MONTHLY COST$44
Why We Picked Pawp
An alternative to traditional pet insurance, Pawp is a unique pet care service that can help cover emergency vet expenses for up to six pets. For this reason, we named it as the best option for multi-pet households. Pawp’s virtual vet care service gives pet owners 24/7 access to vet professionals who can diagnose and provide a plan for emergencies.
For an additional $19 per month, Pawp offers a $3,000 emergency fund that you can use at any vet office in the U.S. Unlike other pet insurance companies, you can use this coverage for up to six pets per membership, and you can use the fund to treat pre-existing conditions. However, you can only use the emergency fund once per year to reimburse a single vet bill.
Pros and Cons
Pros Emergency fund covers pre-existing conditions Less than $30 per month for coverage You can cancel at any time Cons Emergency fund must be activated via a video call with Pawp’s vets You must use the fund within eight hours of activation Enforces a 14-day waiting period
Our Ratings
The table below provides a breakdown of how Pawp scored in our pet insurance study in 2024, along with averages from all providers in the study for comparison.
Coverage
You can use Pawp’s emergency fund one time per year for a pet emergency of any kind. Policy owners must contact a Pawp telehealth veterinarian to activate the fund and seek care within eight hours of activation.
The fund covers toxic ingestion, choking and breathing difficulties, life-threatening blockages and other severe unexpected traumas. It does not cover preventative care, scheduled surgeries, pregnancies or any situation not deemed an emergency by a Pawp veterinarian.
Who We Didn’t Pick For Multiple Pet Owners
Some of the providers we typically recommend as the top pet insurance companies did not make this list because they do not offer multiple pet discounts or perks. Those providers are:
- Trupanion: This company does not offer multi-pet discounts. The company claims that providing a discount on multi-pet plans results in households with one pet paying more in premiums. However, Trupanion offers accident and illness plans with unlimited coverage limits. Read our Trupanion review to learn more.
- Healthy Paws: This provider does not offer a multi-pet discount or other benefits that some companies provide, such as military discounts. We named Healthy Pets as one of our most affordable providers for offering one type of plan with unlimited annual coverage limits. Read our in-depth Healthy Paws review to learn more.
- Fetch: Fetch pet insurance does not offer multiple-pet discounts. If you have more than one animal, the company requires you to enroll each pet under individual policies with separate premiums. However, Fetch covers more conditions than most other providers and has a 30-back money-back guarantee. Read our Fetch review to learn more.
How Much Does Multi-Pet Insurance Cost?
The cost of a multi-pet insurance policy will depend on the provider you select, how many pets you need to insure, each pet’s breed and species, and more.
According to quotes we gathered for a pet insurance policy in Raleigh, N.C., that covers two dogs, Pawp is the cheapest option. Keep in mind that Pawp is not traditional pet insurance, it’s an emergency fund for one-time use. Use the following table to compare the costs of multi-pet policies for our top-recommended providers:
| Company | Cost to Insure Two Dogs* | Multi-Pet Discount | Total Cost with Discount | Visit Site |
|---|---|---|---|---|
Our Top Pick
| $60 | 5% | $57 | EXPLORE PLANS |
| $176 | 10% | $158 | EXPLORE PLANS |
| $76 | 5% | $72 | EXPLORE PLANS |
| $210 | 10% | $189 | EXPLORE PLANS |
| $92 | 10% | $83 | EXPLORE PLANS | |
| $56 | 10% | $50 | EXPLORE PLANS |
| $27.25 | N/A | $27.25 | EXPLORE PLANS |
| Company | Cost to Insure Two Dogs* | Multi-Pet Discount | Total Cost with Discount | Visit Site |
|---|---|---|---|---|
Our Top Pick
| $60 | 5% | $57 | EXPLORE PLANS |
| $176 | 10% | $158 | EXPLORE PLANS |
| $76 | 5% | $72 | EXPLORE PLANS |
| $210 | 10% | $189 | EXPLORE PLANS |
| $92 | 10% | $83 | EXPLORE PLANS | |
| $56 | 10% | $50 | EXPLORE PLANS |
| $27.25 | N/A | $27.25 | EXPLORE PLANS |
No results were found.
*Prices are based on quotes for a 3-year-old, medium-mixed breed dog in Raleigh, N.C., with an 80% reimbursem*nt rate, a $250 deductible, and the maximum annual limit allowed by the respective provider.
Pet Insurance for Multiple Dogs
It costs $112 per month, on average, to insure two dogs, according to our pet insurance cost analysis. This is based on an 80% reimbursem*nt rate, a $250 deductible and the maximum annual coverage limit allowed.
With the 10% multi-pet discount typically included by insurance providers, your total monthly rate drops to about $101.
Pet Insurance for Multiple Cats
It costs $60 per month, on average, to insure two cats, according to our pet insurance cost analysis. This is based on an 80% reimbursem*nt rate, a $250 deductible and the maximum annual coverage limit allowed.
With the 10% multi-pet discount typically included by insurance providers, your total monthly rate comes out to around $54.
Affordable Pet Insurance For Multiple Pets
According to our research, these are the cheapest policies for multiple-pet households:
| Rank | Provider | Cost for two pets | Multi-pet discount | Cost after discount |
|---|---|---|---|---|
| 2 | Lemonade | $46 | 5% | $44 |
| 3 | ManyPets | $46 | 0% | $46 |
| 4 | ASPCA | $62 | 10% | $56 |
| 5 | AKC | $75 | 5% | $72 |
| 6 | Figo | $79 | 5% | $75 |
| 7 | Healthy Paws | $78 | 0% | $78 |
Is Pet Insurance For Multiple Pets Worth It?
We think that multi-pet insurance is worth it if you own more than one dog or cat. Combining pet insurance policies can help you save 5% to 10% on premiums and help streamline the process of submitting claims.
If you only have one pet, even if you plan on adopting another one soon, it’s better to get single-pet coverage and add any new additions to your plan down the line. You can usually call your pet insurance company’s customer service line to add a pet to your policy and get a multi-pet discount added.
DID YOU KNOW?
Our research team recently surveyed 1,000 pet owners, and nearly 40% of respondents also said they do not have savings set aside specifically for their pet. If this sounds like your position, pet insurance may be a worthwhile investment.
Multi-pet policies are also not ideal for pet owners with exotic pets, such as birds or snakes. Since only a few pet insurance companies cover exotic pets, it’s usually cheaper for a pet owner to get a plan for their dog or cat and then find a different policy for their exotic pet.
Can I Customize My Policy for Each Pet?
Most pet insurance providers allow you to customize your pet insurance plan for multiple pets. For example, Spot allows you to select an annual coverage limit, reimbursem*nt rate and deductible, and you can add preventative care coverage for each pet before purchasing your policy.
However, some companies that offer unique pet care coverage, like Pawp, do not have options for customizations for individual pets.
Frequently Asked Questions About Pet Insurance for Multiple Pets
Yes, you can have multiple pet insurance policies at the same time. However, you can’t file a claim for the same incident on both policies. Finding a provider that offers coverage that fits your pet’s needs rather than trying to combine coverage from two different companies is the most cost-effective approach.
Most pet insurance companies offer a 5% or 10% discount for insuring multiple pets. Reach out to your provider of choice to learn more about its specific discount offerings.
Yes, you can get pet insurance if your dog or cat is already sick. However, your provider likely won’t cover any veterinary costs associated with your pet’s current condition since it will be considered preexisting. Your pet will still be covered for future accidents or non-related illnesses. It’s best to enroll your pet in a policy while they are young and healthy to ensure future veterinary costs will be covered.
How We Ranked the Best Multi-Pet Insurance Companies
Many pet insurance companies offer high-quality coverage options for pet owners, but a select few offer policies for people who have more than one furry friend. We used the following factors to help rank our top pet insurance providers for multiple pets:
- Multi-pet discounts: All top providers on our list offer a multi-pet discount when you enroll two or more pets. We ranked companies offering a discount higher than 5% higher on our list. For example, some providers offer 10% or 15% discounts.
- Number of pets allowed on a policy: Companies that allow six or more pets on one policy scored higher than those that only cover two or three pets per policy.
- Two or more plan options: Providers that offer more than one type of plan to choose from ranked higher than those with only one plan option. This allows multi-pet owners to have more flexibility in their premiums and coverage amounts.
- Customizable coverage levels: Providers that allow you to customize coverages for each individual pet scored higher than those that only allow you to choose one option that applies across your policy.
- Cost: Since cost is an important factor, pet insurance companies with cheaper monthly premiums ranked higher on our list. Our team analyzed four different types of pets across all 50 U.S. states to determine the average cost of each company. Cost figures are up-to-date as of November 2023.
- Special perks: Companies that offer more perks to pet owners, such as covering neutering and behavioral therapy, rank higher than those with basic coverage.
- Our rating: Our team reviewed over 35 pet insurance companies using our objective rating methodology. Pet insurance providers that had a higher overall score ranked higher on this list.
For more information on how we review and score pet insurance providers, read our editorial guidelines.
If you have feedback or questions about this article, please email the MarketWatch Guides team ateditors@marketwatchguides.com.
Alex HawkinsSenior Writer
Alex Hawkins is a senior writer with a decade of experience writing and editing services content to help consumers make informed purchasing decisions. His bylines include publications such as This Old House and Architectural Digest.
Tori AddisonEditor
Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.
