Insuring each of your pets separately can get expensive, so multiple pet insurance is a great way to save. When we evaluated the best multiple pet insurance for 2024, we considered how flexible the policy is with the types of pets, number of pets, and their ages.
We also looked at how cost-effective the policy is and any discounts for covering multiple pets. In this article are our top picks for the companies that offer the best multiple pet insurance this year.
7 Best Pet Insurance for Multiple Pets
Many families find that having multiple pets adds extra joy and companionship to their lives. However, more pets also mean more vet bills. Just as I have mentioned above, a smart way to save on pet care costs is by getting a multi-pet insurance policy. Here are some of the best insurers that offer the best multi-pet insurance policy in 2024.
1. Embrace
Embrace stood out as the best pet insurance company for multiple pets because it has a special way for pet owners to save with its Healthy Pet Discount Program. If you had less than $300 in claims per pet in the year before the discount period, you’ll get a 5% discount in the first year and 10% in the second year, per pet. These savings will be automatically applied to your bill.
2. ManyPets
ManyPets is one of our top picks for multiple pets due to its low monthly rates, straightforward policies, and unlimited annual coverage. Even though ManyPets doesn’t offer a discount for covering multiple pets, it still ranked highly for affordability. The company also provides an optional wellness plan. Giving policyholders more flexibility unlike other insurers.
3. ASPCA
With over 15 years in the business, ASPCA Pet Health Insurance is a well-known name in pet insurance. It provides various ways to customize your plan to match your needs and budget, plus a 10% discount for enrolling multiple pets. However, it does have a coverage limit of $10,000 per year, which is lower than what some other providers offer.
4. Figo
Figo Pet Insurance offers a 5% discount for covering multiple pets, including cats and dogs, and covers illnesses, accidents, and emergencies. It has a quick one-day waiting period for accident-related injuries and no limits on the number of incidents you can claim. You can choose from three coverage levels: $5,000 (Essential Plan), $10,000 (Preferred Plan), or unlimited (Ultimate Plan).
With Figo’s Pet Cloud app, you can easily view your pets’ vet records, manage claims, and access a live 24/7 vet chat. This makes handling multiple pets much simpler.
5. Pumpkin
We recommend Pumpkin because it provides a 90% reimbursement rate for senior pets, which is rare among other insurers. It also offers a discount for covering more than one pet. And it has various coverage options for different medical issues. Additionally, there’s no long waiting period for conditions like cruciate ligament issues or hip dysplasia.
6. Spot
Spot stands out because it offers a 10% discount for covering multiple pets and provides flexible options for adjusting your coverage levels, including a great selection of annual limits. This makes it easier to find a plan that fits your budget.
It’s worth noting that Spot offers a similar plan to ASPCA but with different choices for annual limits and deductibles.
7. Nationwide
Nationwide Pet Insurance is a great choice for covering multiple pets because it’s budget-friendly, offers low premiums, and provides many discounts. You can also bundle it with other nationwide products like homeowners or auto insurance.
Once your pet is enrolled, there are no age or breed limits on coverage, though pets must be under 10 years old to sign up. One of the biggest benefits is that Nationwide doesn’t exclude all pre-existing conditions. For example, if your pet had a treatable issue like an ear infection and it’s been symptom-free for six months, it might still be covered.
FAQ
How do multi-pet discounts work?
Many insurance providers offer discounts for insuring multiple pets, typically reducing the premium for each additional pet after the first.
What types of coverage are available for multiple pets?
Coverage options can include accident and illness, wellness care, and preventive treatments. Check if the policy covers all your pets’ needs, including routine care and emergencies.
Are there any age limits for insuring multiple pets?
Some insurers have age limits for enrolling pets. Be sure to check the policy details to understand any age restrictions for new enrollments or coverage.
Can I choose different coverage levels for each pet?
Many insurers allow you to select different coverage levels or plans for each pet based on their specific needs and health conditions.
Can I Have Multiple Pet Insurance Policies With Different Insurance Companies?
Yes, you can have pet insurance policies with different companies. While you often get a discount for covering all your pets with one insurer, there are times when it might be better to use multiple insurers.
For instance, if you want a full coverage plan with wellness benefits for your new puppy and a basic accident-only plan for your older dog, it might be cheaper to get each type of coverage from different companies.
Does multi-pet insurance offer the same coverage as individual pet policies?
Yes, multi-pet insurance usually provides the same level of coverage as individual pet policies, but it covers all your pets under one plan.
