Embrace, Pets Best and Spot offer the best pet insurance for multiple pets, based on our analysis of cost and coverage options.
Why trust our insurance experts
Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 2,295 rates reviewed
- 360 coverage details evaluated
- 5 levels of fact-checking
Best pet insurance for multiple pets
- Embrace: Best for a diminishing deductible
- Pets Best: Best for direct vet payments
- Spot: Best for annual coverage options
- MetLife: Best for discounts and perks
- Figo: Great for 100% reimbursement
- Lemonade: Best for fast claims processing
- Pumpkins: Best for preventative care
Best pet insurance for multiple pets
Best for a diminishing deductible
Best for direct vet payments
Best for annual coverage options
Best for discounts and perks
Great for 100% reimbursement
Best for fast claims processing
Best for preventative care
Compare the best pet insurance for multiple pets
To find the best pet insurance for multiple pets, we analyzed 18 pet insurance companies using data provided by PetInsurer.com. Only pet insurance companies that offer a multi-pet discount were considered.
Each pet insurance company was eligible for up to 100 points, based on its performance in the following key categories.
- Cost: 50 points. We calculated average rates for accident and illness pet insurance plans for dogs with unlimited annual reimbursement (or the highest level offered by that company), a $500 deductible and a 90% reimbursement percentage. Average rates were based on quotes for 10 dog breeds, three age groups and multiple ZIP codes. The lower the average rate, the higher the number of points.
- Annual coverage limits: 10 points. Pet insurance companies that offer an annual reimbursement level of $100,000 or unlimited annual coverage scored in this category.
- 24/7 vet line: 10 points. Insurance companies that offer access to a 24/7 vet line earned points. Being able to call for medical advice might save you money on vet visits.
- Wellness routine plan: 10 points. Pet insurance companies that offer an optional wellness plan add-on scored points. Wells plans can reimburse you for preventative care for your pet.
- Country vet exam fees: 10 points. If a pet insurance plan includes pet exam fees, the insurer received 10 points. If this is offered as a coverage add-on, the insurer received 5 points.
- Behavioral therapy: 5 points. If an insurance company covers behavior therapy in its pet insurance plans, it scored points.
- Euthanasia or end of life included expenses: 5 points. If euthanasia or other end of life expenses are covered in pet insurance plans, an insurance company scored in this category.
Why some companies didn’t make the cut
Of the 18 insurance companies we evaluated, seven made our rating of the best pet insurance companies for multiple pets. Insurers that do not offer a multi-pet insurance discount were not considered. Companies with higher-than-average rates for accident and illness pet insurance plans, or those with less coverage for comparable cost, also did not make the cut.
How does multi-pet insurance work?
When buying multi-pet insurance from the same company, you’ll typically pay the full amount for the first pet and receive a discount for insuring additional pets. Each pet gets its own policy, but you can manage all policies from a single account.
You can choose the right annual limit, reimbursement level and deductible that best meets each pet’s individual needs.
MetLife is the only pet insurance company that offers a family plan for up to three pets. You can insure dogs and cats in one family plan and all of your insured pets will share the same annual deductible and reimbursement level. If you don’t need different coverage options for each pet, MetLife may be the right fit for your pet family. The multi-pet discount you receive with MetLife will depend on which family plan options you choose.
Multi-pet insurance coverage
Multi-pet insurance covers the same pet health expenses as single pet insurance covers. If you buy a comprehensive accident and illness planit will cover veterinary costs such as:
- Breed-specific, congenital and genetic conditions.
- Chronic health conditions.
- Dental illness.
- Emergency vet visits.
- Ligament tears.
- Physical therapy.
- Prescription medication.
- Specialist care.
- X-rays, CT scans and ultrasounds.
If you choose an accident-only plan, only accidental injuries are covered. This can include:
- Bee stings.
- Broken bones and lacerations.
- Eye and teeth injuries.
- Snake bites.
- Toxin and foreign body ingestion.
Routine care like vaccinations, annual checkups and heartworm medication are typically only covered if you add a wellness plan to your accident and illness plan, for an additional cost.
Average cost of pet insurance for multiple pets
Tea average cost of pet insurance is $45 per month for a dog for $5,000 of annual coverage, or $55 per month for a policy with unlimited annual coverage.
If you insure two dogs with unlimited annual coverage, you could save around $33 per year with a 5% multi-pet insurance discount or $66 annually with a 10% discount.
With multi-pet insurance, you typically pay the full amount for the first pet and get a discount on the cost of additional pets you enroll.
Multiple-pet insurance plan costs
Factors that impact the cost of multiple-pet insurance
How much you pay for multi-pet insurance will depend on several factors, including the coverage you select and the insurance company you choose. Pet insurance companies will also consider the following when determining pet insurance costs for multiple pets.
- Annual coverage limit for pet insurance for multiple pets – The annual coverage limit is the most the insurance company will pay per year toward covered expenses. You can typically choose between $2,000 and $10,000, though some companies offer higher coverage limits. Lemonade, for example, offers coverage options up to $100,000 per year, while Embrace, Figo, Pets Best, Pumpkin and Spot offer an unlimited coverage option. The higher the annual limit, the more you’ll pay for coverage. Your annual limit will roll over each policy year.
- Breed – Pet breeds with certain provisions for health issues will cost more than heartier breeds. For instance, Labrador retrievers are prone to elbow and hip dysplasia, while Yorkshire terriers are known for digestive problems and portosystemic shunts, which are hereditary.
- Deductible – Your pet insurance deductible is the amount you pay toward your pet’s eligible vet costs before the insurer starts to pay. A deductible can range from $50 to $1,000, with a higher deductible costing less per month than a lower deductible.
- Number of pets – Your pet insurance costs will increase with the more pets you insure. Costs will depend on the coverage you select for each pet, plus their age, breed and species. A multi-pet discount will offset some of the cost of insuring multiple pets.
- Pet’s age – Pet insurance costs typically increase as your pet ages. The younger your pet is, the cheaper they are to insure. The older your pet gets, the more likely they are to incur vet costs, so the more you’ll pay for coverage.
- Pet size – Your pet’s size may also affect your pet insurance cost. Large dog breeds are known for certain health problems, like heart conditions or hip dysplasia. Bloat, or stomach flip, is also more prevalent in large breeds such as Great Danes and Saint Bernards.
- Policy type – An accident-only pet insurance plan costs less because it doesn’t cover illnesses like an accident and illness pet insurance policy does. If you add a wellness plan to your accident and illness plan, you’ll also pay more.
- Reimbursement percentage – The reimbursement percentage is the amount the pet insurance company will pay toward your vet costs once you meet your deductible. Most providers offer either 70%, 80% or 90% reimbursement coverage. Figo is one of the few carriers that offers 100% reimbursement. Higher reimbursement levels come with a higher monthly cost since the insurer pays more toward each claim.
- ZIP code – Where you live impacts how much you pay for pet insurance. Veterinarian costs differ by location, with urban areas costing more than rural areas. You can expect the same difference in pet insurance costs by location.
Can I insure my pets with different pet insurance companies?
Yes, you can have multiple pet insurance policies with different insurance companies. If you go this route, you won’t be eligible for a multi-pet discount. But you might find that separating the plans for individual pets is in your best financial interest.
While each pet insurance company generally covers the same accidents and illnesses, you might find one with different coverage options that better suit one of your pets. For instance, Embrace offers alternative treatments, like laser therapy and acupuncture, in its comprehensive plan, while Pets Best and Lemonade exclude these therapies from coverage.
If you have a pet that might require alternative therapies, consider an insurer with this coverage. However, if you only want basic coverage, another insurance company might fit your needs better.
Is there a time limit for adding another pet to your insurance?
There is no time limit for buying pet insurance for a second pet. If you have two pets, you can buy a policy for both on the same day. Or if you get a new pet, you can add a policy to your existing pet insurance account. You’ll be eligible for the pet insurance company’s multi-pet discount on your second pet’s policy either way.
How do I find a multi-pet insurance policy?
The best way to find a multi-pet insurance policy is to gather quotes from several companies and compare them. To get quotes, you’ll go to each company’s website and enter your pet’s age, breed, species, size and other details.
If you prefer to speak with an insurance agent who can answer any questions you have, you can also call to get a quote. Companies like Nationwide offer in-person service through its network of local agents selling Nationwide pet insurance.
Comparing pet insurance quotes can help you find the best coverage options for multiple pets that work with your budget.
Best insurance for multiple pets FAQs
Yes, most insurers offer a discount for multi-pet insurance of 5% or 10%, depending on the company. Par exemple, Spot offers a 10% discount for adding a pet, said Scott Taylor, president of Spot Pet Insurance.
Embrace also offers a 10% multi-pet discount, while Pets Best and Figo offer a 5% discount.
Many insurance companies offer up to a 10% discount for insuring additional pets with the same carrier, which can help you save on multi-pet insurance.
Multi-pet insurance typically covers each pet on its own policy, so you can choose the best pet insurance coverage for each pet.
The best level of pet insurance depends on your budget and coverage needs:
- Accident-only coverage is cheaper, but won’t cover your pet’s illnesses.
- Accident and illness coverage is the most comprehensive plan but is also the most expensive.
- A wellness plan add-on will provide some coverage for preventive and routine care.
Higher reimbursement percentages and annual limits will cover more of each vet’s visit but also come at a higher monthly cost.
How much can you expect to pay? Average cost of pet insurance
The maximum payout for pet insurance is the unlimited annual coverage limit. Embrace, Figo, Pets Best, Pumpkin and Spot offer an unlimited coverage option.
With unlimited coverage, there is no cap on what the pet insurance company will pay based on your reimbursement percentage after you’ve reached the deductible policy.
According to NAPHIA, the highest claim amount that was paid in the US last year was more than $60,000 for a dog with pneumonia.