Pet Insurance for Multiple Pets

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Quick Answer

Multi-pet insurance allows you to customize coverage for each of your pets while streamlining the billing, claims and policy management process in a single account.

Happy young woman sitting on a sofa with three dogs of different sizes and breeds

Anyone who's owned a pet knows how expensive they can be. The cost of wellness checks, vaccines and flea, tick and heartworm prevention can add up quickly—and that's when your pets are healthy. If they're sick or injured, a trip to the vet could set you back hundreds or even thousands of dollars. With multiple pets, costs can add up even faster.

Multi-pet insurance can keep out-of-pocket vet expenses down and help ensure you can afford to get the care your pet needs. Here's how it works.

How Does Pet Insurance for Multiple Pets Work?

Some providers may allow you to have multiple pets on one insurance policy, but most require you to maintain separate policies for each pet you insure. When purchasing a policy, you'll select the type of coverage you want, deductible and reimbursement rate. If you have multiple policies, you'll pay a separate premium for each pet, but billing and claims are typically handled through a single account. That can make them easy to manage.

Can You Customize Policies for Each Pet?

If all your pets are on a single policy, you typically have to maintain the same coverage for each animal. However, if each pet has its own policy, you can usually customize each policy to suit your animal's needs by selecting the coverage types, deductibles, reimbursement rates and policy limits that make the most sense for each pet.

Example: Let's say you have a puppy and an aging dog. You may choose to buy wellness coverage and an accident-only plan for your newest fur baby. The wellness plan can help offset the cost of vaccines; flea, tick and heartworm prevention; dental cleaning; and other routine care to help keep your pup as healthy as possible. The accident-only plan covers you if your pup needs emergency treatment, like after making a meal out of the chocolate Halloween candy your kids forgot to put away.

Since all dogs need routine care, you may decide to purchase a wellness plan for your older dog too. But because dogs are more likely to develop health conditions such as cancer and arthritis as they age, you might also select an accident and illness plan for added protection.

How Much Does It Cost to Insure Multiple Pets?

The cost of pet insurance varies based on multiple factors, including:

  • Policy type: You can generally choose from three types of pet insurance plans—wellness, accident-only and accident and illness. Typically, the broader the coverage, the more you'll pay.
  • Breed: Some animals are more likely to develop health conditions than others. If your fur baby is at a higher risk of developing certain diseases or other health ailments, rates will likely be higher.
  • Age: Older pets tend to need more care than younger animals, so you may pay more as your pet ages.
  • Where you live: The cost of treatment can vary significantly based on your location. Policies in areas with higher vet costs typically have higher premiums than those in areas with lower costs of care.
  • Deductible: Plans with higher deductibles usually have lower premiums and vice versa. Balance the upfront cost savings of a lower premium with the potential for higher out-of-pocket costs if you need to file a claim.
  • Reimbursement rate: When you purchase pet insurance, you generally get to choose your reimbursement rate, which typically ranges from 70% to 90%, but may be higher or lower depending on the insurer. You can save on your premium by opting for a lower reimbursement rate and taking on a larger share of treatment costs.
  • Credit scores: Your insurer may include your credit-based insurance scores in its pricing criteria—if your state allows it. People with good credit typically get lower premiums.

Learn more: How Much Does Pet Insurance Cost?

Do You Get a Discount for Insuring Multiple Pets?

Many insurance companies offer a break on your premium when you insure multiple pets. Discounts vary by insurer but generally range from 5% to 10%.

Benefits of Multi-Pet Insurance

Multi-pet insurance makes it easy to manage coverage for your pets while helping to ensure you can afford the treatment they need. Here are some of the most common benefits you'll get with multi-pet insurance.

  • Easy billing: Receive just one bill for all your pets.
  • Shared deductible options: When you have multiple pets on the same policy, you only have to satisfy one deductible. Treatment for all pets applies to the deductible, which could allow your insurance to kick in faster.
  • Streamlined claims: You can file claims for each pet through a single account, making it easy to manage multiple claims for multiple pets.
  • Account management: Manage all aspects of your account in one place—even if you have a different policy for each pet.
  • Discounts: Insuring multiple pets with the same insurer often results in a discount that typically ranges from 5% to 10%.
  • Customized coverage: Unless your pets are on a single plan, you can customize coverage options, deductibles, policy limits and reimbursement rates for each pet.

Where to Buy Multi-Pet Insurance

You can get coverage from some traditional insurance companies, pet insurance providers and nonprofit organizations. The pet insurance that's best for multiple pets depends on your coverage needs and budget. Here are some popular options that may be worth checking out.

  • Lemonade: Lemonade doesn't offer a family plan option, but you can get the coverage your pets need with individual policies. Get up to a 10% multi-pet discount when you buy pet insurance for more than one animal. You'll also receive a discount of up to 5% for paying your annual premium upfront and up to 10% for bundling policies if you have renters, homeowners, car or life insurance through Lemonade.
  • MetLife: MetLife offers both family and individual plans, allowing you to choose between insuring your pets on a single policy and purchasing separate policies for each animal. The company offers discounts regardless of the option you choose, but the family plan is only available for dogs 12 and under and cats 14 and under.
  • Nationwide: At Nationwide, you must purchase a separate policy for each pet. The company offers a 5% discount per pet when you enroll two or three pets and a 10% per pet when you enroll four or more. Most plans have a 14-day waiting period.
  • ASPCA Pet Health Insurance: The American Society for the Prevention of Cruelty to Animals (ASPCA) doesn't offer a family plan for your pets; you must buy individual policies for each pet. The nonprofit offers a 10% discount for each pet you insure, except for the most expensive one.
  • American Kennel Club (AKC): New customers qualify for a 5% discount when they purchase insurance for more than one pet from the AKC.
  • Embrace: Pet parents insuring two or more pets with Embrace receive an automatic 10% discount on their policy.
  • Fetch: At Fetch, you can get coverage for multiple pets by purchasing an individual policy for each animal. You'll pay a separate premium for every pet, but can manage policy details for all your animals through a single account. Fetch doesn't offer a multi-pet discount.
  • Figo: Separate policies from Figo let you customize coverage for each of your pets based on their individual needs. Get a 5% discount when you insure two or more pets.
  • Pets Best: Pets Best offers a 5% discount on accident & illness plans and all plans in Washington state when you get coverage for more than one pet. If you're an existing customer and want to add a new pet to your plan, you may not be eligible for a discount. Log in to your customer account to find out.
  • Spot: When you purchase coverage for more than one pet from Spot, you'll get a 10% discount on plans for your second and subsequent animals. At Spot, each pet gets their own plan, but you can manage all policies from a single account.
  • Trupanion: Trupanion offers coverage for multiple pets but doesn't provide a multi-pet discount. Trupanion has no annual or lifetime maximums, and unlike most pet insurance companies, it doesn't require you to pay for the total cost of care upfront. The company pays part of your vet bill at the time of service, reducing the amount you have to cover while waiting for the company to process your claim.

The Bottom Line

Multi-pet insurance can help make caring for your four-legged family members more affordable. Customized coverage options give you the flexibility to select the deductible, reimbursement rate and policy limits that make the most sense for your pets based on their age, breed and health status.

To find a plan that meets your and your pets' needs and fits your budget, compare quotes, covered services, reimbursement rates, policy limits, annual and lifetime maximums and other details from multiple insurers before buying coverage.

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About the author

Jennifer Brozic is a freelance content marketing writer specializing in personal finance topics, including building credit, personal loans, auto loans, credit cards, mortgages, budgeting, insurance, retirement planning and more.

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