Best Pet Insurance for Multi-Pet Families
Joy Wallet is advertiser-supported: we may earn compensation from the products and offers mentioned in this article. However, any expressed opinions are our own and aren't influenced by compensation. To read our full disclosure, click here.
As pet parents, you have a plethora of choices for pet insurance, but is it worth it, and should it make a difference in your choice if you have more than one pet? A comprehensive pet insurance policy may have a monthly or annual cost. Still, if your pet suffers an accident or illness, the policy can save you hundreds–possibly thousands–of dollars in vet bills. And no matter how many pets you have, controlling pet care costs can sometimes feel like a struggle.
For those with more than one pet, you may be interested in which pet insurance providers offer a multi-pet discount or the most comprehensive coverage for your furry friend at a great value. We looked closely at numerous providers and found options for the best pet insurance for multi-pet families.
Jump To
Overview of the best pet insurance for multi-pet families
Provider | Best for |
Embrace Pet Insurance | Streamlined coverage options |
Figo Pet Insurance | No per-incident caps |
Lemonade Pet Insurance | Discounts |
ASPCA Pet Insurance Pet Insurance | Immediate coverage |
Nationwide Pet Insurance | Exotic animals |
Spot Pet Insurance | Add-on coverages |
Healthy Paws Pet Insurance | One plan offering comprehensive coverage |
Trupanion Pet Insurance | Direct vet payments |
Pumpkin Pet Insurance | Senior pets |
Best pet insurance for multi-pet families
Embrace Pet Insurance
Embrace may be a great option for those with more than one pet, thanks to its 10% multi-pet discount. This can make premiums more affordable and help control the overall cost of veterinary care. Embrace even offers coverage for curable pre-existing conditions for your cat or dog if they’ve remained symptom-free and treatment-free for at least 12 months and diagnosed by a veterinarian previously–which is a more generous coverage policy compared to other options.
Embrace only offers one pet insurance plan, compared to others offering multiple. However, the plan is quite comprehensive, even covering the cost of exam fees. Plus, with unlimited reimbursements and a convenient mobile app for claims processing, Embrace may be easier to work with when you have more than one pet.
Pros:
- Offers 10% multi-pet discount
- Covers certain curable pre-existing conditions
- Can use any vet in the U.S.
Cons:
- Must submit information online for pricing
Figo Pet Insurance
Figo automatically adds a 5% discount if you enroll more than one pet. With vet bills rising, you may also be interested in knowing there’s no cap on claim payments by condition, which can be a lifesaver if your pet suffers an extended illness or injury.
Figo also offers free 24/7 access to a licensed veterinarian professional, so you can get answers to your questions quickly if your pets become ill or injured. Figo also offers a quick reimbursement time frame, with most claims closing in less than three business days.
Pros:
- 5% discount for two or more pets
- 24/7 access to licensed veterinarian care
- Reimbursement within a few business days
Cons:
- Doesn’t offer an accident-only plan
- Must submit information for pricing
Lemonade Pet Insurance
For pet owners trying to maximize savings, Lemonade offers two ways of earning discounts. Once you submit the information for your first pet, Lemonade allows you to add a second one to your policy. It will automatically offer a 5% multi-pet discount. For even more savings, you can purchase another policy through Lemonade, such as car, homeowners, or renters insurance, and you will receive an additional 10% bundling discount.
Pet owners should take note that Lemonade is only available in 37 states at the moment. Since this list likely changes frequently, it’s worth checking back to see if you have coverage.
Pros:
- 5% multi-pet insurance policy discount, 10% bundling discount
- Quick claims approval
- May cover some hereditary conditions and chronic conditions
Cons:
- Only available in 37 states
- Limiting language concerning pre-existing conditions
- Sign up in seconds
- Get paid in minutes
- Get 5% Off for 2 or more pets
- Get 10% off when you bundle
- Get 5% off by paying annually
- Award-winning service
ASPCA Pet Insurance
ASPCA offers a 10% multi-pet discount, ideal for owners trying to save on pet insurance plans and vet visits. ASPCA also offers wellness coverage, where you can receive cash back from routine care like vaccines, dental cleanings, spaying or neutering, and annual check-ups. You can also choose an accident-only plan.
A distinct feature of ASPCA is that it offers immediate pet insurance coverage, ideal for pet owners who don’t want to wait. It offers plans with multiple reimbursement options and deductible options, so you can have greater control over your out-of-pocket costs.
Pros:
- Immediate coverage available
- Offers a 10% multi-pet discount for each additional pet
- Covers curable pre-existing conditions with a 180-day symptom- and treatment-free waiting period
Cons:
- Must submit an online quote or call
Nationwide Pet Insurance
Nationwide offers a 5% multi-pet discount, but beyond this, it stands out among pet insurance companies for its comprehensive care coverage for accidents, like broken bones or accidental poisoning, preventative services (such as annual checkups and exam fees), and illnesses. It even covers other types of pets, like exotic animals. All three care categories of accident, illness plans, and wellness care are covered in one plan, so you may not have to choose pricier add-ons to afford a well-rounded policy.
Nationwide has other ways of customizing your policy to control your pet insurance costs, including choosing from several deductible options starting at $100 for an annual plan. You can also select anywhere between a 50% up to a 90% reimbursement percentage.
Pros:
- Offers 5% multi-pet discount
- Covers cats, dogs, and exotic animals
- Comprehensive coverages including accident, illness, and wellness in one plan
Cons:
- Age limit of 8 years old for new enrollments
- Caps reimbursement per condition
Spot Pet Insurance
Spot is worth considering if you have more than one pet because it offers a generous 10% multi-pet discount for a pet insurance policy. Additionally, if your pet has a pre-existing condition and has been free from treatment and symptoms for at least 180 days (excluding ligament and knee conditions), your pet may still have coverage. If Spot does cover your pet’s curable condition, accident, or illness, you’ll likely appreciate the quick reimbursement of around three business days.
Spot also offers expansive add-on coverages, such as preventative care, which covers annual vet visits, routine care, and dental cleanings, offering you more well-rounded coverage with your pet policy. You can also purchase an accident-only policy or accident plus illness coverage for greater customization.
Pros:
- 10% multi-pet discount
- Can choose between accident-only or accident-plus coverage
- Can use any vet
Cons:
- Excludes ligament and knee conditions from coverage
- Must submit information for pricing
Healthy Paws Pet Insurance
Healthy Paws doesn’t currently offer a multi-pet discount. However, it’s worth mentioning because of its simplicity. If you have more than one pet and each has different pet needs, such as older pets versus younger ones, you may feel like you need separate policies. Healthy Paws only offers one plan, which includes coverage for new accidents and illnesses, including injuries, cancer, genetic conditions, and alternative and emergency care, so there’s no need for separate policies. Pet Insurance
Healthy Paws has other convenient qualities, including a mobile app and online dashboard, so you can easily keep track of pet care. Plus, it offers quick claims processing, with most reimbursements occurring within two days.
Pros:
- No payout limits on covered conditions or accidents
- One comprehensive plan covering alternative care and genetic conditions
- Can use any vet
Cons:
- Does not offer a multi-pet discount
- Doesn’t offer dental care options
Trupanion Pet Insurance
Trupanion doesn’t offer a multi-pet discount, but its features may grab a pet parent’s attention. It’s one of the only pet insurance companies offering almost instant payout by paying the vet directly while you’re at the checkout counter. It only offers one plan, including coverage for new accidents, illnesses, routine care, advanced dentistry, and so much more. If your pet’s breed has specific conditions, don’t worry because Trupanion offers numerous coverages for breed-specific conditions.
Pros:
- Unlimited payouts for life
- Offers direct reimbursement in seconds
- Can use any vet
Cons:
- Does not offer a multi-pet discount
Pumpkin
Pumpkin offers a 10% multi-pet discount, which can add up to major savings when you have more than one pet. However, one of its standout features is the 90% reimbursement for all covered vet costs, no matter the pet’s age or breed. If it’s a covered condition, such as a new illness or accident, you’ll receive 90% reimbursement, which gets processed quickly, too.
Pumpkin offers one plan covering accidents, illnesses, dental illnesses, behavioral problems, hereditary conditions, and parasite infections, which most plans exclude. It also offers a Preventative Essentials plan covering routine visits and vaccinations.
Pros:
- Offers 10% multi-pet discount
- 90% reimbursement, even for senior pets
- Can use any vet
Cons:
- Doesn’t cover routine wellness plans without an add-on
Summary of the best pet insurance for multi-pet families
Pet insurance provider | Monthly premium | Multi-pet discount offered | Waiting period | Can use any vet |
Embrace | Must submit a pet insurance quote request online | 10% | 0-day for accidents, 14-day for illnesses | Yes |
Figo | Must submit a quote request | 5% | Not disclosed | Yes |
Lemonade | Must submit a quote request | 5% | 14-day for illnesses | Yes |
ASPCA | Must submit a quote request | 10% | Immediate coverage | Yes, in U.S. or Canada |
Nationwide | Rates start at $16 | 5% | 14-day | Yes, in the U.S. |
Spot | Must submit a quote request | 10% | Date of purchase until the effective date of the policy | Yes, in the U.S. and Canada |
Healthy Paws | Must submit a quote request | None | 15-day | Yes, in the U.S. |
Trupanion | Must submit a quote request | None | 5-day for injuries and 30-day for illnesses | Yes, in the U.S., Puerto Rico, or Canada |
Pumpkin | Must submit a quote request | 10% | 14 days for accidents and illnesses | Yes, in the U.S. and Canada |
FAQs
Can I get a discount for insuring multiple pets?
Many pet insurance providers offer discounts for insuring multiple pets. These discounts can vary, so it's essential to inquire about them when obtaining quotes.
Do all my pets need the same level of coverage?
Not necessarily. Each pet may have different healthcare needs based on factors like age, breed, and pre-existing conditions. Some providers offer customizable plans, allowing you to tailor coverage to each pet's specific requirements.
Are there any limitations on the number of pets I can insure?
Some insurers may have limits on the number of pets you can insure under one policy. Ensure to check with the provider about their policies regarding multi-pet households.
Can I add or remove pets from my policy easily?
Most pet insurance companies allow you to add or remove pets from your policy as needed. However, be sure to inquire about any associated fees or restrictions for making changes.
What happens if one of my pets has a pre-existing condition?
Pre-existing conditions may not be covered under a new policy, but coverage for other conditions can still be obtained. Some providers may offer coverage for pre-existing conditions after a waiting period, so it's essential to clarify this with the insurer.
- Sign up in seconds
- Get paid in minutes
- Get 5% Off for 2 or more pets
- Get 10% off when you bundle
- Get 5% off by paying annually
- Award-winning service
The bottom line
When it comes to pet insurance in multi-pet families, pet owners need to carefully consider their pets' individual needs, the coverage options available, and any discounts or benefits for insuring multiple pets. You can maximize multi-pet discounts while ensuring adequate coverage for your beloved furry friends.
Joy Wallet is an independent publisher and comparison service, not an investment advisor, financial advisor, loan broker, insurance producer, or insurance broker. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. Joy Wallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Featured estimates are based on past market performance, and past performance is not a guarantee of future performance.
Our site doesn’t feature every company or financial product available on the market. We are compensated by our partners, which may influence which products we review and write about (and where those products appear on our site), but it in no way affects our recommendations or advice. Our editorials are grounded on independent research. Our partners cannot pay us to guarantee favorable reviews of their products or services.
We value your privacy. We work with trusted partners to provide relevant advertising based on information about your use of Joy Wallet’s and third-party websites and applications. This includes, but is not limited to, sharing information about your web browsing activities with Meta (Facebook) and Google. All of the web browsing information that is shared is anonymized. To learn more, click on our Privacy Policy link.
Images appearing across JoyWallet are courtesy of shutterstock.com.
Writer
Sara Coleman is a former corporate gal turned creative entrepreneur. She began writing professionally several years ago and now contributes to multiple websites, blogs, and magazines. She’s also an avid reader and can’t resist a great historical fiction novel. Sara holds a BA in journalism from the University of Georgia and can be found supporting her Bulldogs every chance she has. She resides in Charlotte, North Carolina, with her wonderfully supportive husband and three children. When she’s not ushering her kids to sports and dance lessons, she can be found creating content for her own website, TheProperPen.com.
Share this article
