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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. One way to reduce pet care for your fur babies is through a multi-pet insurance policy.
Best Multi-Pet Insurance Companies of 2023
- Healthy Paws Pet Insurance: Best for Unlimited Coverage
- Lemonade Pet Insurance: Best for Claims
- Pumpkin Pet Insurance: Best for Seniors
- ASPCA Pet Insurance: Best Comprehensive Coverage
- Nationwide Pet Insurance: Best for Discounts
- Spot Pet Insurance: Best for Prescription Foods
- Figo Pet Insurance: Best for Additional Coverage Options
Best Multi-Pet Insurance Company Reviews
The American Pet Products Association (APPA) estimates annual pet spending at a staggering $136.8 billion, $35.9 billion of which was spent on veterinary care and product sales. Compare the best multi-pet insurance options for your household below.
Healthy Paws Pet Insurance
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 Review
Lemonade Pet Insurance
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.
Pumpkin 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.
ASPCA Pet Insurance
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
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 Review Business Insider
Nationwide
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 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.
Nationwide Pet Insurance Review
Spot
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.
Figo
To get a
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.
Multi-Pet Insurance Frequently Asked Questions
Is pet insurance cheaper with multiple pets?
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.
Is it worth comparing different companies before buying multi-pet insurance?
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.
Are there any disadvantages to multi-pet insurance?
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. We recommend reading your policy documents to ensure you understand all exclusions, especially preexisting conditions.
Compare The Best Multi-Pet Insurance Companies
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Compare pet insurance options for your multi-pet household.
Why You Should Trust Us: 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.