May 26, 2024

Having more than one pet brings extra joy and companionship, but it also means more animals to worry about—and pay for. Pet insurance can reduce expensive veterinary bills when any of your pets get sick or injured, allowing you to focus on their care instead of stressing about finances.

Some of the top pet insurance companies offer discounts and perks for multi-pet homes. We at the Guides Home Team have researched top providers and compiled our top recommendations.

Top Pet Insurance Companies For Multiple Pets

Below are the top pet insurers that offer multi-pet discounts:



Lemonade Pet Insurance: Most Affordable Plans

Though primarily known for its homeowners and renters insurance, Lemonade offers comprehensive pet insurance plans. The company has more affordable policies than 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. It offers a 5% discount for enrolling multiple pets. 

Pros and Cons of Lemonade Pet Insurance

+ 5% discount for multiple pets
+ Two-day waiting period for accidents, which is shorter than many competitors
+ 10% discount for bundling your pet insurance policy with Lemonade home insurance or renters insurance

Not available in 15 states
Doesn’t cover pets over 14 years old

Lemonade Pet Insurance Coverage

Lemonade offers one accident-and-illness plan covering diagnostic tests, hospitalizations, surgery, cancer treatments, broken bones or sprains, prescription medications and more. Lemonade doesn’t cover preexisting conditions, behavioral treatments or elective or cosmetic procedures. 

You can customize your Lemonade coverage with the following options: 

  • Deductibles: $100, $250 or $500
  • Annual coverage limits: $5,000, $10,000, $20,000, $50,000 or $100,000
  • Reimbursement rates: 70%, 80% or 90%

To learn more: Lemonade Pet Insurance review

Get your quote: Fill out Lemonade’s online quote form



Spot Pet Insurance: Most Customizable

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 don’t, such as exam fees and microchipping. The company provides a 10% discount for multi-pet coverage. 

Pros and Cons of Spot Pet Insurance

+ 10% discount for multiple pets
+ Unlimited annual coverage option
+ No age limit for older animals

14-day waiting period, which is longer than some competitors
No customer service on weekends

Spot Pet Insurance Coverage

Spot offers a low-cost accident-only plan and a more comprehensive accident-and-illness plan. Like other pet insurance providers, Spot excludes preexisting conditions.

Below are the customization options Spot offers: 

  • Deductibles: $100, $250, $500, $750 or $1,000
  • Annual coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000 or unlimited
  • Reimbursement rates: 70%, 80% or 90%

To learn more: Spot Pet Insurance review

Get your quote: Fill out Spot’s online quote form



ASPCA Pet Health Insurance: Most Experienced

With more than 15 years of experience, ASPCA Pet Health Insurance is one of the most well-known providers in the pet insurance industry. It offers multiple customization options to fit your needs and budget. It also offers a 10% multi-pet discount. However, it caps coverage at $10,000 per year, which is low compared to other providers.

Pros and Cons of ASPCA Pet Health Insurance

+ Includes a 10% multi-pet discount
+ Provides coverage for microchipping in every plan
+ Offers an accident-only plan at a low monthly cost

Requires a transaction fee for monthly payments
Has a maximum annual coverage limit of $10,000, which is lower than most providers

ASPCA Pet Health Insurance 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. Neither plan covers preexisting conditions, breeding costs or cosmetic procedures.

Here are the customization options ASPCA offers: 

  • Deductibles: $100, $250 or $500
  • Annual coverage limits: $3,000, $4,000, $5,000, $7,000 or $10,000
  • Reimbursement rates: 70%, 80% or 90%

To learn more: ASPCA Pet Insurance review



Prudent Pet Insurance: Our Pick for Extra Coverage

Prudent Pet provides multiple levels of coverage, including two standard plans plus a comprehensive plan with unlimited annual coverage. It reimburses a few items competitors typically don’t, such as lost pet advertising and vacation cancellation fees. In addition, Prudent offers a 10% multiple-pet discount. 

Pros and Cons of Prudent Pet Insurance

+ Includes a 10% multi-pet discount
+ Offers preventive care add-ons at three flexible monthly prices|
+ Provides 24/7 live vet chat with each plan

Has higher plan prices than many competitors
Doesn’t offer a mobile app, unlike many competitors

Prudent Pet Insurance Coverage

Prudent’s Pet’s cheapest pet insurance plan is its accident-only plan, which covers up to $10,000 per year for treatments, procedures, surgeries, specialized care and other accident-related costs.

The company’s Essential Plan combines accident-and-illness coverage with a $10,000 annual coverage limit and up to $250 per year for treating behavioral disorders. The Ultimate Plan covers everything in the Essential Plan but with unlimited annual coverage and behavioral disorder coverage of $1,000 per year. 

Prudent Pet Insurance offers the following customization options:

  • Deductibles: $100, $250, $500 or $1,000
  • Reimbursement rates: 70%, 80% or 90%

To learn more: Prudent Pet Insurance review



Pets Best Insurance: Our Pick for Senior Pets

Pets Best covers pets of all ages, but it stands out for its coverage of older pets. It has no upper age limit, so you can enroll your furry friend at any time. Pets Best also offers a 10% multi-pet discount and coverage for prescribed prosthetic devices and wheelchairs. 

Pros and Cons

+ 10% multi-pet discount
+ No upper age limits for coverage
+ 24/7 Pet Helpline with veterinary experts

Claims take an average of 30 days to process
Limited annual coverage cap options (only $5,000 or unlimited)

Pets Best Insurance Coverage

Pets Best has several coverage options. Its accident-and-illness coverage, called the BestBenefit plan, is available at three levels: Essential, Plus and Elite. Each level increases in covered treatments and pricing. 

They also offers an accident-only plan with a $10,000 annual limit, $250 deductible and 90% reimbursement. 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.

Below are Pets Best’s customization options:

  • Deductibles: $50, $100, $200, $250, $500, $1000
  • Annual coverage limits: $5,000, $10,000, unlimited
  • Reimbursement rates: 70%, 80% or 90%