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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, even with the best pet insurance providers. The American Pet Products Association (APPA) estimates annual pet spending at a staggering $123.6 billion, $34.3 billion of which was spent on veterinary care and product sales.
One way to reduce pet care for your fur babies is through a multi-pet insurance policy.
Best Multi-Pet Insurance Companies of 2023
Compare The Best Multi-Pet Insurance Companies
Methodology: How We Chose The Best Multi-Pet Insurance Companies
Many pet insurance companies are competing for business which can be overwhelming. 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 insurance rating methodology.
Multi-Pet Insurance Frequently Asked Questions
Some pet insurance providers offer a multi-pet discount for insuring more than one pet on the same policy. This discount typically ranges between 5% to 10%. If you have multiple pets, you can lower the overall cost of pet insurance by insuring them with the same provider.
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.
While pet insurance can provide financial protection against unexpected illnesses and accidents, one disadvantage is that it doesn’t cover all pet costs. You must pay out-of-pocket for routine care unless you get a preventative package.
There will also likely be a deductible and coinsurance, which is your financial responsibility. Above all else, like other insurance types, pet insurance has some exclusions. We recommend reading your policy documents to ensure you understand all exclusions, especially preexisting conditions.
Best Multi-pet Insurance for Unlimited Coverage
Healthy Paws Pet Insurance
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 three-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.
Healthy Paws Pet Insurance Review
Best Multi-pet Insurance for Claims
Lemonade Pet Insurance
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, bloodwork, 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.
Lemonade Pet Insurance Review
Best Multi-pet Insurance for Senior Pets
Pumpkin Pet Insurance
Pumpkin Pet Insuranceoffers 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.
Pumpkin Pet Insurance
Best Multi-pet Insurance for Comprehensive Coverage
ASPCA Pet Insurance
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.
Through ASPCA pet health insurance, you can get 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%.
ASPCA Pet Insurance Review Business Insider
Best Multi-pet Insurance for Discounts
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.
Best Multi-pet Insurance for Prescription Foods
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 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.
Spot Pet Insurance Review
Best Multi-pet Insurance for Additional Coverage Options
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.
Figo Pet Insurance Review
What to Know Before Buying Pet Insurance
Before buying a pet insurance policy, know companies don’t cover preexisting conditions or provide compensation for routine care. However, you may be able to add on a preventative care package that can help. This said each company defines preexisting conditions a little differently. For example, many pet insurance companies cover “curable” conditions after 6-12 months.
Also, the rates you qualify for will be determined by your pet’s age, breed, and other factors. Because preexisting conditions are excluded, health records won’t raise your rates. However, companies may request vet records to verify what is a preexisting condition.
It’s best to review your options, compare quotes from various providers, and check customer reviews to find the best coverage.
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