Best Pet Insurance Plans for Multiple Pets (2021 Review)


As the cost of medical care for pets continues to rise every year, pet owners often have a hard time providing their pets with the veterinary care they need. Many pet owners are choosing to purchase pet insurance for their cat or dog. Pet insurance can be a real lifesaver if your pet becomes seriously ill or injured. What if you have more than one pet? Many households have multiple animals. Which one do you insure? How beneficial would it be to have pet insurance for multiple pets?

Best Overall

Lemonade Pet Insurance Logo


Best Comprehensive Plans

Prudent Pet Logo


Best for Deductibles

Embrace Pet Insurance Logo


The Importance of Having Pet Insurance for Multiple Pets

The decision to have multiple pets in your home can be a big decision whether it’s two dogs and a cat, two cats and a dog, or three dogs. If you have multiple pets, you already know how costly it can be to feed them, care for them and provide them with the medical care they need to stay as healthy as possible.

You’ll no doubt be looking for any possible ways you can find to cut down costs while still providing your pets with the care they need and want. You probably aren’t too thrilled at the idea of purchasing pet insurance because it’s just one more monthly bill to add to the rest. However, the advantages of having pet insurance for multiple pets are plenty.

You never realize the importance of pet insurance until your pet is seriously ill or injured and requires costly medical care. Having pet insurance for all your pets can be very important not just in the saving you’ll get but also in the peace of mind of knowing that all your pets are provided with the same kind of coverage, and you’ll be able to keep them all as healthy as possible.

The healthier your pet, the more you’re adding to their lifespan. Many pet owners mistakenly believe that having two pets insured will double the bill, and having three will triple the bill, etc. That’s not the case because many pet insurance companies will give you a multiple-pet discount. What this means is that you will get a discount on not just your first pet but also the second, third, and every pet after that.

It can be very expensive to own and care for an animal. In fact, it can run into tens of thousands of dollars over the lifespan of the animal. It’s not surprising that a big portion of this cost comes from veterinary bills. The more often a pet owner can get his pet to the vet for checkups, the less chance of the animal becoming sick.

Types of Pet Insurance for Multiple Pets

Pet insurance is offered as accident and illness plans, accident-only plans, and wellness plans. A recent study by Nationwide pet insurance and Vet Success indicates that pet owners who have pet insurance typically go to the vet more often (73 percent more!), and this is a good thing. It’s very important to have pet insurance on all your pets, so they’re all protected in case they need serious medical care.

Discounts Available for Multi-Pet Insurance Policies

Many pet owners are surprised at how little more they have to pay to insure multiple pets. They’re pleasantly surprised to find out that they can protect all their pets for a lot less than they thought. Depending on the pet insurance company, you can save 5 percent, 10 percent, or even up to 15 percent off the total price.

One company may offer a 10 percent discount on the price of the second pet. Another pet insurance company may offer a 5 percent discount on the second pet and 10 percent off for the third pet and every pet after that. Other companies may offer a 10 percent discount for each pet. Pet owners with multiple pets who are looking for pet insurance will find it beneficial to research different pet insurance companies.

Pet Insurance Companies That Offer Multiple Pet Discounts

Multiple pet discounts are offered by many pet insurance companies. Below, you’ll find descriptions of the offerings from some of our top pet insurance companies, and then a chart listing all of the pet insurance companies and their respective multi-pet discounts.

Does Pets Best Offer a Multi-Pet Discount? Yes

Pets Best offers a few different choices in pet insurance, including their basic accident/illness plan, and their wellness plans, which offer two levels of coverage. Pets Best offers a 5 percent discount off your premiums if you have more than one pet insured with them. They also do not have no upper age limit, which is great for pet owners with senior pets.

Does Embrace Offer a Multi-Pet Discount? Yes

Embrace also offers their basic accident/illness plans, wellness, and preventive care plans. They offer a 10 percent discount on multiple pets, but it may be lower in certain states. Additionally, Embrace also offers a Healthy Pet discount that lowers your deductible by $50 each year where there are no claims. If you do happen to have multiple pets, the $50 discount will go to all the pets.

Does SPOT Offer a Multi-Pet Discount? Yes

SPOT offers their basic accident/illness plans, as well as a preventive care option, which covers things many other insurance companies won’t cover, such as microchips, alternative therapies, and more. SPOT insurance offers a 10 percent discount on additional pets covered under their plans.

Does Healthy Paws Offer a Multi-Pet Discount: No

Healthy Paws has relatively low monthly premiums, but they do not offer a multiple pet discount. However, you may find that the monthly amount for multiple pets is still less than some other companies, even with their discount.

Pet Insurance Company Multi-Pet Discount
Pets Best 5%
Embrace 10%
SPOT 10%
Healthy Paws None
Nationwide 5%
Petplan None
Pumpkin 10%
Lemonade None
Trupanion None
Companion Protect Yes, amount unclear


How to Find the Right Multi-Pet Insurance for Your Pets

If you’ve never had pet insurance in the past, your first instinct might be to Google the words “pet insurance”, see what pops up, and research a couple of companies. You may find pet insurance as low as $10 per month, but what kind of services do they offer on this plan? You might not be getting the type of insurance coverage you wanted.

There are few things more frustrating than thinking you have good pet insurance only to find out it’s not sufficient when your pet really needs medical care. You’re not really saving any money because you can’t use it when it’s most needed. On the other hand, if you have a high-priced policy that pays for extra things that you may never need, you’re not saving money there either.

Pet owners who have older dogs or cats may want a more inclusive plan because elder pets tend to require veterinary care more often. If you have several pets, it can be very beneficial to choose a company that offers multiple pet discounts. It’s always best to shop around, look at all the pet insurance that’s available in your area, and then narrow your choices down.

If you’re new to pet insurance, you may not know where and when to begin selecting a company. Here are some helpful tips to help you choose a pet insurance company.

Monthly Premium

Low cost is usually the first consideration to pet owners. Once you start looking at different companies, you’ll find that many of them are quite similar in price. Your next question is what will it cost you overall, and how much will you have to pay?


Determine what your share of the bill will be because no insurance company is going to pay it all. What kind of deductible will you have to pay? Most insurance companies offer deductibles from $50 to $1,000. The deductible is the amount you have to pay before the insurance will pay. If your bill is $1,000, and you have a $250 deductible, the $250 will be your responsibility.

Reimbursement or Co-insurance Amount

Insurance companies generally offer a 70, 80, or 90 percent reimbursement amount. On that same insurance that has a $250 deductible, if the company’s reimbursement rate is 80 percent, you would pay $400 ($1,000-$250 = $750 X 20 percent = $150 + $250 deductible). The insurance company would pay $600 ($1,000 -$250 = $750 X 80 percent =$600. With this in mind, determine how much you can afford to pay for a claim.

Annual Coverage Amount

This is the maximum amount the insurance company will pay in one year. Most insurance companies offer $1,000, $2,000, $5,000, $10,000 and unlimited.

What Does Multi-Pet Insurance Cover?

Most pet owners choose an accident/illness plan. This covers many services that result from accidents or illness. It doesn’t cover annual checkups and preventive medical care. However, most insurance companies offer wellness plans that can be purchased WITH and accident/illness play. Many insurance companies offer accident-only plans. They are much less expensive but will only cover accident-related issues.

All of these things should be considered when choosing a pet insurance company. Once you’ve narrowed down your choice to a couple of insurance companies, do a side-by-side comparison to see how similar the coverage is. If the company does offer discounts for multiple pets, you can purchase good coverage for all your pets and save money at the same time.