Did you know you can get pet insurance for more than one pet? It doesn’t matter if it’s dogs, cats, or a combination of the two. Many pet insurance companies offer policies for multiple pets and even give you a discount. But which company offers the best deal?
I have over a decade of experience researching and writing about pet insurance. I’ve helped thousands of pet parents purchase insurance policies that fit their needs. I can help you explore pet insurance options for your multi pet household.
| Winner | Runner-Up | Third Place |
|---|---|---|
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Best Pet Insurance Plans For Multiple Pets
We chose the best pet insurance plans for multiple dogs or cats based on coverage, price, and multi-pet discounts available.
Keep in mind that price isn’t everything, though. Read our pet insurance comparison if you want to see our picks for the best pet insurance based on coverage, price, customer service and reputation, plan customization, and claims processing.
Winner: Embrace Review
Embrace offers one of the largest multi-pet discounts at a maximum of 10%. It has been selling pet insurance for over two decades and has a stellar reputation. Embrace also has some of the most comprehensive coverage for accidents and illnesses, making it one of the best pet insurance for two dogs or cats. Embrace’s coverage for breed-specific conditions, dental diseases, and behavioral therapy, which all pet insurance providers do not always cover.
Additionally, they offer an optional wellness rewards plan, which can help cover routine veterinary care visits, grooming, vaccines, and even training classes. This level of flexibility and comprehensive coverage makes Embrace a standout choice for pet owners looking for reliable and all-encompassing insurance for their furry friends.
In-Depth Review Of Embrace
To find out more about Embrace and its coverage, reimbursement procedure, frequently asked questions, and other details, read my in-depth review. I also provide the average amount for vet bills, the most frequent claims that policyholders submit to Embrace, and the average reimbursement that they provide.
Runner-Up: ASPCA Pet Health Insurance Review
ASPCA Pet Health Insurance offers a valuable 10% multi-pet discount, making it an attractive option for pet owners with more than one furry friend. One of the key strengths of this insurance provider is its accident-only policies, which stand out for their flexibility in allowing pet owners to customize annual deductibles, reimbursements, and annual coverage limits to suit their individual pet needs.
It’s important to note that while ASPCA Pet Health Insurance can offer competitive pricing, it’s essential to consider that premiums will vary depending on the specific requirements of each pet. Therefore, it’s crucial to carefully assess and compare the available options to ensure that the selected insurance plan aligns with your pets’ needs and budget.
Full Review Of ASPCA Pet Health Insurance
For additional information about this provider and its relationship to Hartville and Waffle, see my review of ASPCA Pet Health Insurance.
Third Place: Spot Review
Despite being relatively new (founded in 2019), Spot has proven to be a formidable contender. It offers pet owners a wide range of plan customization coverage options and efficient claim processing. One of the standout features of Spot pet insurance is its generous 10% discount for insuring multiple pets. Moreover, Spot’s emphasis on customization sets it apart from other pet insurance providers. Pet owners can tailor their plans to their needs, ensuring their pets receive the most appropriate coverage.
In addition, Spot’s dedication to timely claim processing has been well-received by customers. Pet owners have reported swift and efficient handling of claims, leading to a positive overall experience with the company.
Full Review Of Spot
To learn more about this provider and its coverage, including its preventive care options, plan customizations, and more, read my review of Spot Pet Insurance.
Multi-Pet Insurance Comparison Table
The table below lists all of the companies we include in our pet insurance reviews so you can see which companies offer pet insurance multi-pet discounts.
| Company | Multi-Pet Discount |
|---|---|
| 10% (5% NY) |
| 10% |
| 10% |
 | 5% |
 | 5% |
 | 5% |
 | 5% |
 | 5% For 2-3 Pets 10% For 4+ Pets |
 |  |
 | |
 | |
Which Other Companies Offer Multi-Pet Discounts?
Below, you’ll find an alphabetical listing of other companies we’ve reviewed that offer multi-pet discounts.
Pets Best Review
Pets Best stands out for its comprehensive coverage and reasonable pricing. Their plans offer excellent value and peace of mind for pet owners. One great advantage is the 5% discount available for insuring multiple pets, which can significantly lower the cost for you. This makes Pets Best an excellent option for families with more than one furry friend.
In-Depth Review Of Pets Best
To find out more about Pets Best, its coverage, reimbursement procedure, frequently asked questions, and other details, read my comprehensive review of the insurance. It also includes information about Canine Journal’s graphic designer’s experience with Pets Best, including the enrollment procedure and her experiences with claims.
Figo Review
Figo has some of the most affordable pet insurance. On top of its 5% discount for multiple pets, many customers can get similar coverage from Figo at a competitive price. This combo might make it your cheapest pet insurance for multiple dogs. It’s also one of the only companies to offer a 100% reimbursement rate. I’ve found in my research that Figo can be tough to beat price-wise while still offering thorough coverage for your pets.
In-Depth Review Of Figo
See my Figo review to find out more about this provider’s coverage, reimbursement procedure, frequently asked questions, and my own experience. I include a picture of Figo’s benefits explanation for a claim along with my experience with reimbursement and how my pricing compared to other providers.
Lemonade Review
Lemonade offers a generous 5% multi-pet discount. This is an excellent incentive for pet owners with more than one furry friend. Moreover, existing Lemonade customers have the added advantage of combining their pet insurance with their renters or homeowners insurance policies, thus making them eligible for Lemonade’s bundling discount.
By taking advantage of these discounts in conjunction, customers can save significantly on their insurance costs. Lemonade’s reputation as a generally more affordable insurance provider, combined with these two discounts, makes it an attractive option for pet owners looking to save money while ensuring the well-being of their furry companions.
In-Depth Review Of Lemonade
For additional information on Lemonade, including its coverage, reimbursement procedure, frequently asked questions, and more, read my complete review. The decision-making process Canine Journal’s co-founder used to select Lemonade for her dog’s insurance coverage is also included in my review.
AKC Pet Insurance Review
AKC Pet Insurance offers a 5% discount for multiple pets. One of the critical advantages of AKC Pet Insurance is that it is the only insurer that covers pre-existing conditions after one year of continuous coverage. This feature sets it apart from many other pet insurance providers and can significantly relieve pet parents with dogs with chronic illnesses.
Securing coverage for pre-existing conditions after just one year can alleviate some of the financial burden associated with caring for pets with ongoing health issues. It’s a unique offering that may make AKC Pet Insurance an appealing choice for pet owners looking for comprehensive coverage for their furry companions.
In-Depth Review Of AKC Pet Insurance
For more information on this provider, its coverage, salient features, rider options, and if your dog qualifies for coverage, read my comprehensive review of AKC Pet Insurance.
Nationwide Review
Nationwide offers a 5% discount for up to three pets and a 10% discount for four or more pets. Moreover, Nationwide is the only company that provides insurance for exotic pets (including rabbits), giving pet owners additional peace of mind knowing that their unique and beloved animals are also covered. With Nationwide’s coverage options and special discounts, it’s easier than ever to ensure that all of your pets, from the traditional to the exotic, are protected.
Full Review Of Nationwide Pet Insurance
To find out more about Nationwide Pet Insurance, including how its benefit schedule operates and a list of all the pets that qualify for coverage, read my review.
Multi-Pet Insurance: Compare The Market
You can start comparing multi-pet insurance policies by filling out our pet insurance quote form below for your first pet. Then, your quote from each respective company will prompt you to add any additional pets. Our quote form includes multiple well-respected pet insurance companies, so you can compare apples to apples.
How Does Pet Insurance Work?
Watch the video below for a quick rundown of how pet insurance operates and why you may need it.
Can You Have Two Pet Insurance Policies For One Pet?
Yes, you can have multiple pet insurance plans for one pet. However, the way this works is truly a case-by-case situation, depending on the two companies you purchase plans through. For example, some companies may split the costs 50/50 between one another. Others may have the primary insurance company pay, and then the secondary insurer may request an explanation of benefits from the primary insurer before processing any claims.
Because of this, we can’t give you a clear answer on how multi-pet insurance for dogs works. Instead, we suggest you read through each contract’s verbiage and speak with representatives from each company before you purchase a policy. Discuss which company would be considered the primary insurance and which would be classified as the secondary, and get their responses in writing before signing up.
Learn More About Pet Insurance
To compare the top pet insurance companies, read our pet insurance comparison, which includes multiple tables analyzing coverage, plan customization, waiting periods, and more. We also rank companies based on coverage, customer service, price, and more.
Methodology
We review each U.S. pet insurance company to provide an unbiased breakdown of providers’ performance in real claim situations. We use a 100-point scale for each pet insurance company to rank them. Our in-depth research includes:
- Coverage & Exclusions (30%) – We scrutinize every policy from top to bottom and read all the fine print, carefully noting each exclusion. We factor in any age restrictions, required add-ons for basic coverage, and whether a company is available nationwide. Insurers with fewer exclusions receive more points in this category than those with less coverage.
- Pricing (15%) – We evaluate pricing by running thousands of sample quotes for dogs and cats of various breeds, sizes, locations, and ages. We analyze which companies charge extra fees and discounts and consider which companies nick and dime pet owners with add-on coverage. Providers with the lowest premiums, fewest extra fees, most discounts, and fewer add-ons receive more points in this category.
- Customer Service & Reputation (12%) – We assess hundreds of customer reviews, scope out the sign-up process, speak with representatives, and factor in company history and years in the pet insurance marketplace to determine the points in this category. Companies with an easy sign-up process, highly rated mobile apps, multiple ways to reach customer service, positive consumer feedback, and a seamless claim filing process score high in this category.
- Financial Strength (10%) – Insurance is only beneficial if you can count on reimbursed claims. Companies with at least five years of nationwide experience and high A.M. Best and Demotech ratings receive high remarks in this category.
- Customization Options (10%) – We consider customizations available to adjust your coverage to fit your budget. Companies with fewer restrictions based on breed, age, location, etc., multiple plan options, and more reimbursement rates, deductibles, and annual limits earn the highest scores.
- Waiting Periods (5%) – Providers with the shortest illness and accident waiting periods and fewer additional waiting periods for other conditions merit high remarks.
- Claim Processing (5%) – We share our firsthand experience submitting claims with companies and examine how long it takes to be reimbursed. Insurers with a vet direct pay option and short claim processing averages earn the most points.
- Innovation (3%) – We meet with company representatives to discuss changes related to the industry, their company, and their offerings. Providers offering unique, comprehensive coverage and utilizing advanced technology receive more points.
Unlike many other review sites, we refuse to let pet insurance companies pay for the top spot in our rankings. Companies must earn their position in our comparisons by performing well in the marketplace. We also highlight each company’s pros and cons in light of their competitor’s strengths. In doing so for over a decade, we’ve helped pet parents make more educated decisions among the top pet insurance options. Pet insurance providers read our reviews, regularly check them for accuracy, and value our input to help create positive industry changes and better protect your pets. We only recommend the best of the best because it’s what our readers deserve.
Why Trust Canine Journal?
Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Kimberly Alt, who has been Canine Journal’s go-to author for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her extensive list of resources.
Kimberly also consulted with Michelle Schenker, Canine Journal’s in-house licensed insurance agent, for additional expertise, to ensure accuracy, and give Canine Journal the authority to write about and assist readers in purchasing policies that are accurately represented.
