Best Pet Insurance Plans for Multiple Pets (2022 Review)

by

The only thing better than one pet is two, three, or four pets. With all those furry friends, your life will be overflowing with love, fun, precious companionship – and vet bills. If you have multiple pets, you know that even routine care can put a dent in your savings.

To help you manage expensive veterinary costs and take care of all your furry family members, we’ve reviewed some companies that offer pet insurance for multiple pets. With the right pet insurance plan, you’ll be able to budget for monthly expenses and get coverage in the event of multiple emergency vet visits.

In this article, we’ll discuss:

 

  • Why you need multi-pet coverage
  • How much multi-pet insurance costs
  • How much you can save with multi-pet discounts
  • Which pet insurance companies are best for multiple pets

Best Overall

spot pet insurance logo

OUR RATING: 4.9

Most Affordable

Lemonade Pet Insurance Logo

OUR RATING: 4.8

Best for Chronic Conditions

Healthy Paws Pet Insurance

OUR RATING: 4.6

Why Is Coverage for Multiple Pets Important? 

Pet insurance for one pet is an excellent way to ensure you have a financial cushion for unexpected vet expenses. Having pet insurance if you have multiple pets is crucial – it allows you to make decisions about each of your pet’s needs without worrying about your wallet.

Here’s a real-life example of why multi-pet insurance is essential:

A couple of years ago, a 365 Pet Insurance team member with two adorable Labrador Retriever puppies got into poisonous fungus in their backyard, resulting in a trip to the emergency vet clinic. Once diagnostic testing and treatments were done, the pups had each racked up a $1,000 vet bill. 

The fungus also triggered an autoimmune disorder called exocrine pancreatic insufficiency in the dogs, leading to more frequent health problems – and vet bills – down the road.

Less than a year later, one of the dogs developed a genetic disorder called Exercise Induced Collapse. The testing and treatment for this condition accumulated another $1,500 in veterinary expenses.

With pet insurance, the pet owner would have paid predictable monthly fees in exchange for up to a 90% reimbursement for the $3,500 veterinary expenses.

How Much Can You Save on Pet Insurance for Multiple Pets?

Insurance Provider

Multi-Pet Discount

More Info

Spot

10%

Visit Site

Lemonade

5%

Visit Site

Embrace

10%

Visit Site

Healthy Paws

N/A

Visit Site

ASPCA

10%

Visit Site

Prudent Pet

10%

Visit Site

Pawp

N/A

Visit Site

Figo

5%

Visit Site

How Much Does Pet Insurance for Multiple Pets Typically Cost?

The costs of individual plans in a multi-pet insurance policy will vary depending on each pet’s breed, species, and age. Many providers automatically apply multi-pet discounts for every additional pet you add to your plan at enrollment.

What Does Multiple Pet Insurance for Cats Cost?

The sample cat insurance quotes below are for three American Shorthairs in Winston-Salem, N.C. We selected a Spot policy with a $4,000 annual limit, 80% reimbursement rate, and $250 deductible for each cat. 

Socks’ and Felix’s premiums have the 10% discount applied for a total of $2.58 in monthly savings.

Cat

Age (In Years)

Monthly Premium

Without Discount

With 10% Discount

Rosie

$11.91

Socks

3

$11.91

$10.72

Felix

6

$13.90

$12.51

Total Monthly Cost

$37.72

$35.14

What Does Multiple Pet Insurance for Dogs Cost?

The following Spot dog insurance quotes are for three Beagles in Winston-Salem, N.C. We selected a $4,000 annual limit, 80% reimbursement rate, and $250 deductible for each dog.

Rusty’s and Copper’s premiums have the 10% discount applied for a total of $7.07 in monthly savings.

Dog

Age (In Years)

Monthly Premium

Without Discount

With 10% Discount

Daisy

$32.28

Rusty

$30.26

$27.23

Copper

$40.35

$36.31

Total Monthly Cost

$102.89

$95.82

Can You Customize Your Plan for Each Pet?

Depending on your provider’s level of plan customizability, you’ll be able to personalize each pet’s policy. 

For example, if one of your pets is younger and more accident-prone, you can select a lower annual deductible and get coverage sooner. You could also select a wellness add-on package for coverage on its first-year preventive care needs.

If your other pet is healthy and rarely needs care, you could select a plan with a higher deductible and lower annual limit. You’ll have a lower monthly premium and a financial cushion in the event of an unexpected vet bill.

3 Best Pet Insurance Plans for Multiple Pets

Spot

Lemonade

Embrace

Quote

Visit Site

Visit Site

Visit Site

Our Score

4.9/5

4.8/5

4.7/5

Dental Illness Covered?

Yes

No

Yes

Dental Injuries?

Yes

Yes

Yes

Wellness Coverage?

Yes

Yes

Yes

Pre-existing Coverage?

No*

No

No*

BBB Rating

A-

F

A+

*Spot will cover pre-existing conditions that have been asymptomatic or without treatment for 180 days before your policy started. Embrace will cover pre-existing conditions that have been symptom- and treatment-free for at least 12 months before your policy began. Orthopedic events like hip dysplasia and cruciate ligament injuries aren’t eligible for these exceptions.

Pet Insurance for Multiple Pets Overview 

Below, we’ll review some top pet insurance providers that cover multiple pets. These providers offer customizable rates and even some add-on packages to help you get the coverage you need.

Spot

Spot offers highly customizable accident/illness coverage for your pet’s unexpected veterinary needs.

What’s Covered

What’s Not Covered

  • Unexpected accidents and illnesses
  • Hereditary conditions
  • Chronic illnesses
  • Alternative therapies
  • IV fluids and medications
  • MRIs, CT scans, and X-rays
  • Prescription medications
  • Stem cell therapy
  • Surgery and hospitalization
  • Cancer treatments
  • Behavioral therapies
  • Pre-existing conditions
  • Boarding fees
  • Breeding costs
  • Birds and exotic animals
  • Elective procedures
  • Herbal remedies
  • Incidents that occur during waiting periods

When building your Spot pet insurance plan, you can mix and match the following rates for a monthly premium that fits your needs. With the unlimited annual benefit option, your coverage will never max out.

Annual deductibles – $100, $250, $500, $750, $1,000.

Annual coverage limits – $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited.

Reimbursement rates – 70%, 80%, 90%.

You can purchase Spot’s Gold or Platinum Preventive Care packages for $250-$450 in reimbursements for dental cleanings, wellness exams, vaccinations, deworming, and more.

Pros:

  • Highly customizable plans
  • Unlimited annual coverage option
  • No upper age limits

Cons:

  • No prescription pet food coverage
  • Higher monthly premiums

Read more in our Spot pet insurance review.

Lemonade

Lemonade offers competitively affordable premiums without cutting coverage. You can bundle Lemonade’s pet insurance with other services for sweet discounts.

What’s Covered

What’s Not Covered

  • Unexpected injuries and illnesses
  • Diagnostic testing
  • X-rays, MRIs, and CT scans
  • Hospitalization
  • Surgery
  • Specialty care
  • Emergency care
  • Prescription medications
  • Congenital and hereditary conditions
  • Pre-existing conditions
  • Dental illnesses
  • Birds and exotic animals
  • Spay/neuter procedures for pets over two
  • Alternative treatments
  • Accidents or illnesses that occur during waiting periods

You can choose from the rates below when building your Lemonade plan. The provider offers low deductible options so that your coverage will kick in sooner. However, there’s no unlimited annual benefit option, so your coverage will be capped at $100,000.

Annual deductibles – $100, $250, $500.

Annual coverage limits – $5,000, $10,000, $20,000, $50,000, $100,000.

Reimbursement rates – 70%, 80%, or 90%.

You can purchase Lemonade’s wellness package, exam fee package, and physical therapy package to cover additional items.

Pros:

  • Competitive premiums
  • Wellness care packages for pets of all ages
  • User-friendly website and mobile app

Cons:

  • No dental illness coverage
  • Not available in all states

To learn more, read our Lemonade pet insurance review.

Embrace

Embrace pet insurance covers your unexpected veterinary costs. We like Embrace’s Healthy Pet Deductible program, which reduces your deductible by $50 for every year you don’t submit a claim.

What’s Covered

What’s Not Covered

  • Unexpected accidents and illnesses
  • Dental illnesses
  • Congenital and hereditary conditions
  • Cancer treatments
  • Chronic conditions
  • Orthopedic conditions
  • Complementary treatments
  • Emergency care
  • Hospitalization
  • Surgery
  • Diagnostic testing
  • Prescriptions
  • Specialist care
  • Pre-existing conditions
  • Breeding costs
  • Boarding costs
  • Cosmetic procedures
  • Birds and exotic pets
  • Illnesses or accidents that occur during waiting periods

You can mix and match Embrace’s rates for a personalized premium and coverage level. The provider caps annual coverage at $30,000 but also offers a wide range of deductible options.

Annual deductibles – $200, $300, $500, $750, $1,000.

Annual coverage limits – $5,000, $8,000, $10,000, $15,000, $30,000.

Reimbursement rates – 70%, 80%, 90%.

You can purchase one of Embrace’s Wellness Rewards packages to budget for your pet’s routine health care costs. These add-on plans will save you about $25 per year on preventative care.

Pros:

  • Healthy Pet Deductible program
  • Flexible pre-existing condition policy
  • Dental illness coverage

Cons:

  • Wellness plans won’t save you much money
  • No unlimited annual coverage option

Check out our Embrace pet insurance review for more information.

Healthy Paws

Healthy Paws pet insurance offers one easy-to-understand accident/illness plan for veterinary care coverage. The company has also donated over $2 million to animal welfare organizations since its inception in 2009.

What’s Covered

What’s Not Covered

  • Unexpected illnesses and injuries
  • Hereditary and congenital conditions
  • Chronic conditions
  • Cancer treatments
  • Diagnostic testing
  • X-rays, blood work, and ultrasounds
  • Surgery
  • Hospitalization
  • Prescription medications
  • Emergency care
  • Specialty care
  • Alternative therapies
  • Pre-existing conditions
  • Preventative care
  • Spay/neuter procedures
  • Exam fees
  • Birds and exotic pets
  • Pets over 14 years old
  • Conditions that occur during waiting periods

With Healthy Paws, you’ll always have unlimited annual and lifetime payouts no matter what. 

Healthy Paws does, however, limit plan customization by age, so it’s not ideal for older pets. The rates below are available to pets 3 years old and younger. After your pet turns four, you’ll have fewer options. 

Annual deductibles – $100, $250, $500.

Annual coverage limits – Always unlimited.

Reimbursement rates – 70%, 80%, 90%.

Healthy Paws doesn’t offer add-on packages for wellness care or exam fee coverage, so policyholders must budget for these expenses independently.

Pros:

  • Unlimited coverage on all plans
  • Dedication to animal welfare 
  • Quick and easy claims process

Cons:

  • Plan customization limited by age
  • No wellness package add-on

Read more in our Healthy Paws pet insurance review.

ASPCA

ASPCA pet health insurance provides accident/illness coverage for dogs and cats of all ages. We like that ASPCA automatically covers microchip implantation to help you keep your pet close to home.

What’s Covered

What’s Not Covered

  • Unexpected accidents and illnesses
  • Exam fees
  • Diagnostic testing
  • Chemotherapy
  • Stem-cell therapy
  • Acupuncture
  • Hereditary and congenital conditions
  • Behavioral issues
  • Pre-existing conditions
  • Cosmetic procedures
  • Breeding costs
  • Boarding fees
  • Exotic pets
  • Incidents that occur during waiting periods

ASPCA offers plan customizability so you can fit your price and coverage to your needs. The provider offers low deductibles so that your coverage will begin sooner. However, it also caps the annual benefit at $10,000, which is low compared to other providers.

Annual deductibles – $100, $250, $500.

Annual coverage limits – $3,000, $4,000, $5,000, $7,000, $10,000.

Reimbursement rates – 70%, 80%, 90%.

ASPCA offers two wellness packages for $250-$450 in coverage for preventative care items like dental cleanings, vaccinations, parasite tests, wellness exams, and more.

Pros:

  • Exam fee coverage
  • Microchip coverage included
  • Low deductible options

Cons:

  • $10,000 annual benefit maximum
  • Poor customer reviews

Read our ASPCA pet insurance review to find out more.

Prudent Pet

Prudent Pet offers an accident-only plan and two accident/illness plans. All three plans give you access to a 24/7 vet helpline, so you’ll always have professional help at your fingertips.

What’s Covered

What’s Not Covered

  • Unexpected accidents and illnesses
  • Cancer treatments
  • Congenital conditions
  • Dental injuries
  • Emergency care
  • Surgery and hospitalization
  • Hereditary conditions
  • Prescription medications
  • Radiology
  • Behavioral disorders
  • Pre-existing conditions
  • Birds and exotic animals
  • Cosmetic procedures
  • Herbal/natural remedies
  • Breeding costs
  • Accidents and illnesses that occur during waiting periods

With an accident-only plan, you’ll have a set annual benefit of $10,000. If you select accident/illness coverage, you can combine the following rates to personalize your Prudent Pet plan. 

Annual deductibles – $100, $250, $500, $1,000.

Annual coverage limits – $10,000 or unlimited.

Reimbursement rates – 70%, 80%, 90%.

Prudent Pet also offers packages for preventive health care coverage and exam fee coverage, so you can select add-ons to suit your needs.

Pros:

  • No upper age or breed limits
  • Unlimited annual benefit option
  • Three wellness packages available

Cons:

  • No prescription pet food coverage
  • Only insures dogs and cats

Learn more in our Prudent pet insurance review.

Pawp

Pawp provides top-notch veterinary telehealth services and coverage for your pet’s emergency needs. Pawp doesn’t provide traditional accident/illness coverage but instead covers only emergencies like toxic ingestions, choking, severe injuries, and life-threatening intestinal blockages.

What’s Covered

What’s Not Covered

  • Unlimited consultations
  • 24/7 veterinary helpline
  • Emergency care related to pre-existing conditions
  • Up to $3,000 per year for emergencies
  • Scheduled surgeries
  • Routine checkups and wellness visits
  • Vaccinations
  • Follow-up care after an emergency
  • Illnesses or accidents that occur during waiting periods

Pawp doesn’t allow any plan customization. Instead, all policyholders pay $24 per month for any pet and receive access to veterinary telehealth services and a $3,000 emergency fund. We like that Pawp allows up to six pets per plan, making it a great option for pet parents with multiple furry family members.

Pros:

  • User-friendly telehealth services
  • $3,000 to cover one emergency vet bill per year
  • Allows up to six pets per membership

Cons:

  • Rates aren’t customizable
  • Emergency-only coverage

Read our Pawp pet insurance review to find out more.

Figo 

Figo offers customizable accident/illness pet insurance coverage for your unexpected veterinary bills. We like Figo’s Pet Cloud app, which allows you to connect with other pet owners online.

What’s Covered

What’s Not Covered

  • Unexpected illnesses and injuries
  • Emergency care
  • Hospitalization
  • Surgery
  • Specialty care
  • Diagnostic testing
  • Prosthetics and orthopedics
  • Hereditary and congenital conditions
  • Prescription medications
  • Chronic conditions
  • Dental illnesses and injuries
  • X-rays, CT scans, and ultrasounds
  • Cancer treatments
  • Pre-existing conditions
  • Experimental procedures
  • Birds and exotic animals
  • Breeding costs
  • Cosmetic procedures
  • Conditions that occur during waiting periods

Figo offers three accident/illness plans with annual maximums of $5,000, $10,000, or unlimited. Depending on the coverage cap you select, you can choose from the deductibles and reimbursement percentages below.

Annual deductibles – $100, $250, $500, $750.

Reimbursement rates – 70%, 80%, 90%, 100%.

Pros:

  • Access to 24/7 vet helpline
  • Quick and easy claims process
  • Exclusive Pet Cloud app

Cons:

  • Wellness plan not available in all states
  • Additional monthly cost for exam fee coverage

Read our Figo pet insurance review to learn more about plan customization and add-ons.

How to Find the Best Insurance for Your Multiple Pets

To find the best multi-pet insurance, you can generate sample pet insurance quotes from a few providers. This will help you see available plan options and prices. You may find that one provider offers a customization level that lowers your premiums without cutting your coverage short. 

What To Look For in a Policy

While researching policies, look for providers that cover as many of your pet’s needs as possible.

For example, if you have a kitten and a senior cat, you’ll want to find a provider with no age limits and highly customizable rates. You might also need a wellness package add-on and physical therapy coverage for your little buddy’s first year and your longtime pal’s rehabilitation.

Keep an eye out for companies that offer discounts, too. We know that many top providers discount pet insurance for multiple pets, but many also knock off a percentage for military personnel, rescue pets, and service animals.

Red Flags To Avoid 

Avoid selecting preset plan options when purchasing multi-pet insurance. Most pet insurance providers offer customizability, so you should take advantage of this to meet each of your pet’s specific needs. Depending on your pet’s breed, age, and medical history, you’ll want to select custom rates that optimize its coverage.

Final Thoughts

You should never have to choose between your budget and your pet’s healthcare, no matter how steep the cost. Pet insurance provides a financial buffer, allowing you to give your pets more than the bare minimum for veterinary care.

We hope this article helps you find the best pet insurance for multiple pets, so you can stress less and focus more on being the multitasking, ball throwing, superstar pet parent you are. No matter which plans you choose, you’ll have peace of mind knowing every last one of your fur babies is covered from wet nose to wagging tail.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.