Getting each of your pets insured can put a sizable dent in your budget, which is where multi-pet insurance comes in handy.
When choosing the best multi-pet insurance, we looked at the flexibility of the policy in the number of pets, types of pets, and pet ages. As multi-pet insurance is supposed to save you money, we also looked at how cost-efficient the policy is and discounts given for enrolling multiple pets.
Here are our picks for the best multi-pet insurance in 2025.
Best Multi-Pet Insurance
- Best for Unlimited Coverage: Figo Pet Insurance
- Best for Customizability: Lemonade Pet Insurance
- Best for Seniors: Pumpkin Pet Insurance
- Best for Discounts: Nationwide Pet Insurance
- Best for Prescription Foods: Spot Pet Insurance
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Best for Unlimited Coverage
A-
$30 for dogs and $17 for cats per month
$100 - $1,500
70%, 80%, 90%, 100%
- 3 popular pet insurance plans
- Riders available for preventative care and routine vet services
- Affordable pricing
- Excludes certain genetic issues and preexisting conditions
- Insurer recommends submitting 12 months of vet records with your application
- Any claim filed in the first 6 months may be registered as a preexisting condition
Figo pet insurance offers aggressive pet insurance coverage options to ensure your pet gets the veterinary care they need in an emergency. Figo offers easy online quotes, and Costco members qualify for discounts on its pet insurance plans.
Figo Pet InsuranceFigo Pet Insurance is far and away one of the best pet insurance companies on the market. It offers an unlimited coverage option and a 100% reimbursement option (though pet owners cannot choose both under the same plan). Figo is also one of the most affordable pet insurance companies, but pet owners can get a 5% discount when enrolling multiple pets. Additionally, Costco members can get 15% discount on Figo policies.
Figo also offers stand-out optional coverage options, which it refers to as "Powerups." Wellness coverage can help defray costs related to exams and vaccinations. The Extra Care Pack includes unique perks like helping you with lost pet advertising, supporting burial and cremation costs if your beloved pet passes on, boarding fees, and help if your pet is lost or stolen. You can also get Veterinary Exams Fees which help pay for vet visits.
Figo also provides pet records management app that makes managing multiple pets far easier. Called the "Pet Cloud," this mobile app will be able to see all of your pets' vet records, manage pending claims, and even access a live 24/7 vet chat feature.
To get a Figo Pet Insurance policy, pets must be 8 weeks old. While there's no upper age limit, if you have a dog 8 years old and up or a cat 10 years old and up, the company asks pet parents to follow vet guidelines around any senior testing.
Best for Customizability
- $12 premiums for basic care
- Add-ons available for other preventative care
- Comprehensive mobile experience for claims and support
- Only available in 37 states and Washington DC
- No 24/7 telehealth line for veterinary advice
Lemonade offers auto, homeowners, renters, pet, and life insurance. It's been around since 2015 and is known for offering some of the lowest rates. Lemonade ranks on J.D. Power's customer satisfaction surveys for renters insurance, however, it doesn't rank for life and homeowners insurance.
Lemonade Pet Insurance- Discounts for bundling policies and having multiple pets
- Starts at $10 a month
- Offers a discount for enrolling in an annual payment plan
Lemonade Pet Insurance is a comprehensive insurance provider offering renters, home, auto, term life, and pet insurance. Pet owners who are in need of other insurance services can save 10% when bundling with Lemonade's other insurance policies. They can also earn a 5% multi-pet discount and an additional 5% discount for enrolling multiple pets. These discounts, along with generally low premiums, makes Lemonade one of the cheapest pet insurance companies.
While it offers a nice array of discounts, Lemonade really stands out for its customizability. Its base plan offers testing, procedures, and medication coverage. While its a very basic plan, customers can add quite a few riders to their plan to beef up coverage, such as vet visit fees, dental illnesses, and behavioral conditions.
This level of customization lets pet owners create a policy with the coverages they need while cutting out the benefits they don't want. This will save you a money each month (for toys and treats), especially with multiple pets. This also means that even if you have multiple pets, each pet can get an insurance policy right for them.
However, Lemonade has a convenient app as well, that helps you with Lemonade's unique claim filing option. Pet parents can go through the app to file a video claim. For those who don't have the time to type it out or express themselves better in speech, this transforms the customer experience. The company website states claims can be approved in minutes, which is confirmed by customer reviews on Trustpilot, where it has an average rating of 4.4 stars out of five.
Currently available in 38 states, Lemonade pet insurance can cover procedures and emergency care, medication, blood work, CT scans. It also offers preventative options to reduce the costs of routine care.
Best for Senior Pets
- Unlimited annual coverage available after deductible available for dogs and cats
- Vet exam fee coverage for illnesses and accidents
- Multi-pet discounts available
- 14 day waiting period for accidents
- No 24-7 pet healthline
- Rates may be higher than some competitors
Pumpkin pet insurance offers 90% reimbursement on all pet insurance plans. It has accident and illness and wellness options, but monthly premiums may be on the higher end.
Pumpkin Pet InsurancePumpkin Pet Insurance offers multi-pet pet insurance for dogs and cats and is the best option for seniors, as it does not have age limits or breed exclusions. Especially in multi-pet households, there's a strong chance of at least one pet reaching its golden years. You shouldn't have to seek out a different provider to get a separate pet insurance policy for your senior. There's also a 10% multi-pet discount.
For dogs, annual limits include limits ranging from $10,000 to unlimited. For cats, the yearly limit options are $7,000, $15,000, or unlimited. Annual deductibles are as high as $1,000 and as low as $100, with 90% coinsurance (you pay 10%) across the board.
It covers certain things other insurers may not, including parasites, behavioral issues, dental illness, and hereditary conditions. Coverage can also extend to physical therapy and prescription food related to an accident or illness. Like Lemonade, Pumpkin offers a prevention option called Prevention Essentials to cover regular wellness visits.
Best for Discounts
A+
- Rated highly with AM Best
- Insures exotic pets
- 5% discount for enrolling multiple pets
- Covers hereditary and congenital conditions
- Rigid deductibles and coverage limits
- Low reimbursement levels
- Premiums rise as pet ages
Nationwide pet insurance can be bundled with home, auto, and other Nationwide Insurance products. It's the only pet insurance company currently offering exotic pet coverage.
NationwideNationwide Pet Insurance is a standout option for multi-pet pet insurance as it's affordable, has low premiums, and has numerous discounts. In addition, as part of the more extensive Nationwide network, pet parents can bundle pet insurance with its other products like homeowners or auto insurance.
Once your pet is signed up, the company doesn't impose upper age limits or breed restrictions on its insurance plans. One thing to note is it has an enrollment limit of 10 years old. One of the most appealing things to pet parents is that Nationwide Pet Insurance does not exclude all pre-existing conditions. In other words, if your pet has a "curable" condition like an ear infection, it may be covered if asymptomatic for six months.
Nationwide pet parents get a 5% discount for multiple pets and 5% if they have other Nationwide insurance plans. Nationwide employees also get an additional discount on its pet insurance plans.
Best for Prescription Foods
- Wellness plans and accident and illness plans available
- Available in all 50 states with comprehensive coverage options
- Coverage available for senior dogs and cats
- Pets have to be at least 8 weeks for coverage
- Does not offer coverage for exotic pets
Spot pet insurance provides comprehensive pet insurance, including an allowance for end-of-life memorials. Some plan upgrades cover dental cleanings and other costly services.
Spot Pet InsuranceSpot Pet Insurance offers a 10% multi-pet discount with accident-only coverage, accident and illness coverage, and a preventive care plan. In addition, you can take your pet to any licensed veterinarian in the United States or Canada for care.
Spot Pet Insurance sells cat insurance plans starting at $10 per month and dog insurance plans starting at $16 per month. Spot offers plans with no annual limit or caps on incidents and up to 90% cash back on eligible medical expenses.
Spot also has a 24/7 telehealth option if you need pet care at any hour. Your pet must be at least eight weeks old, with no upper age limit for senior pets.
Note there is a 14-day waiting period for coverage. So anything occurring in your first two weeks of coverage will not be reimbursed. However, Spot is the best option for prescription foods compared to other pet insurance providers. This applies specifically if the prescription did not predate the policy. So if your pet needs prescription food for an eligible condition, Spot can help with costs.
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How to Enroll in Multi-Pet Insurance
Before you choose a service to enroll your pets in, you should be sure that your company of choice offers a multi-pet discount. These usually range from 5% to 10% off your total price.
When enrolling, you'll need to be able to provide information about yourself and your pet, like its breed, species, sex, age, and your location. These factors will determine eligibility and premiums. Once you get a quote, you can customize your coverage, choosing your deductible, coverage limit, and reimbursement percentage.
Note that you do not have to enroll all your pets at the same time. Most pet insurance companies allow you to add a second pet to your policy after your first pet has already been enrolled.
Benefits of Multi-Pet Insurance
Cost Savings and Discounts
One of the primary benefits of multi-pet insurance is its cost-effectiveness. Most pet insurance companies will offer a 5-10% discount for enrolling multiple pets under the same policy. If you have an existing policy for one pet, you can often access the discount if you decide to add a second pet later.
However, it's worth noting that a pet insurance policy for one pet will not carry over to another. To get a second pet covered, you'll have to take out a second insurance policy.
Simplified Policy Management
Similar to the benefits of consolidating credit card debt, consolidating multiple plans into one also reduces the number of policies you have to keep track of and different claims processes. As a result, you're less likely to miss a payment and can streamline your claims.
Additionally, some companies have tools and mobile apps available to help you organize your pet's healthcare, like Figo's Pet Cloud.
Choosing the Right Multi-Pet Insurance
Assessing Your Pets' Insurance Needs
Obviously, your pets are all precious and unique. So are their needs. You'll want to find a multi-pet insurance policy that fits your needs accordingly.
You'll want to consider any preexisting conditions that your pets have and see how each pet insurance company covers them. You'll also want to consider the spread of your pets' ages as many insurance companies have age caps on your pets.
Comparing Multi-Pet Insurance Providers
The best way to compare multi-pet insurance providers is to plug your pets' information and compare quotes side-by-side. When acquiring quotes, you'll also need to compare policy terms such as covered costs, flexibility, and reimbursement limits. You can use an insurance aggregator like PetPremium to acquire multiple quotes at once.
When comparing pet insurance providers, you'll want to make a note of exclusions and inclusions, such as whether a company covers prescription food. You'll also want to consider how a pet insurance company treats curable pre-existing conditions. Some pet insurance companies will cover curable pre-existing conditions if the pet has remained symptom- and treatment-free for six months to a year, depending on the provider.
Why You Should Trust Us: Our Methodology for Reviewing Multi-Pet Insurance Companies
Many pet insurance companies compete for your business, which can make it overwhelming to find the right one. To choose the top seven multi-pet insurance companies, we assessed coverage options, affordability, mobile apps/chat options, optional add-ons, and discounts. In addition, we looked for companies offering appropriate benefits that honored promises made. Most of all, we look for companies likely to be around for the rest of your pet's natural life.
We know finding the right pet insurance is crucial to find care for your four-legged critter. Your pets are part of your family, and getting the right policy can offer peace of mind. But, more importantly, it can give you care options should your pet experience a medical emergency.
We looked at all the options on the market and boiled it down to these six options based on the criteria mentioned above.
For more details, you can check out how Business Insider rates pet insurance.
FAQs
Does multi-pet insurance offer the same coverage as individual pet policies?
Yes, multi-pet insurance typically offers the same comprehensive coverage as individual policies but for multiple pets under one plan.
Can I add pets to my multi-pet insurance policy later on?
Yes, you can add pets to your existing multi-pet insurance policy. You'll often get a discount for adding additional pets.
Are there breed or age restrictions for pets in multi-pet insurance plans?
Yes, many multi-pet insurance plans have age restrictions for insurance plans, though breed restrictions are rarer. However, this isn't much different from a single-pet insurance policy.
Is it worth comparing different companies before buying multi-pet insurance?
It's absolutely worth comparing different companies before buying multi-pet insurance. However, your existing provider offers a good point for comparison when shopping around for quotes.
Do multi-pet insurance discounts work if I have a dog and a cat?
Yes, multi-pet insurance discounts still apply to your policy if you're insuring a dog and a cat.
