Best Pet Insurance for Multiple Pets

ByEquineathon

If you’re a pet owner with more than one furry friend, finding the right pet insurance for multiple pets is essential. Insuring multiple pets can be a challenge, but there are numerous benefits to doing so, including potential multi-pet discounts, streamlined claims processes, and comprehensive coverage options. In this guide, we’ll explore the best pet insurance providers for multiple pets in 2025, discuss the factors you should consider when choosing insurance, and help you find the best deals and coverage for your household.

Why You Should Consider Pet Insurance for Multiple Pets

Having multiple pets comes with increased responsibilities, and ensuring their health and safety should be one of your top priorities. Pet insurance helps mitigate unexpected veterinary costs that can add up quickly, especially for multiple pets. Here are a few reasons why insuring more than one pet makes sense:

  • Financial Protection: With multiple pets, the cost of veterinary bills can escalate quickly, especially if they have health conditions that require regular treatment. Pet insurance ensures you’re covered financially in the event of unexpected illnesses or accidents.
  • Peace of Mind: Knowing that you can provide the best medical care for each of your pets without worrying about the cost can alleviate stress and ensure that you can always act quickly in an emergency.
  • Multi-Pet Discounts: Many pet insurance providers offer multi-pet discounts, which help reduce the overall cost of coverage when insuring more than one pet under the same plan.
  • Convenience: Insuring multiple pets with the same provider means one claim process, one set of policy documents, and easier management of your pets’ health plans.

Top Pet Insurance Providers for Multiple Pets

Several top pet insurance providers offer attractive plans for families with multiple pets. Here’s a breakdown of some of the best options in 2025:

1. Healthy Paws Pet Insurance

Best for: Unlimited coverage and fast claims processing

  • Monthly Premium: Varies by pet, breed, and age; typically $30 to $70 per pet.
  • Multi-Pet Discount: Healthy Paws offers a 10% discount for each additional pet you insure under the same policy.
  • Highlights: Healthy Paws provides one of the most comprehensive pet insurance plans available. Their policies offer unlimited lifetime coverage for accidents, illnesses, and emergency treatments, making them a standout choice for multiple pets. They also have a simple, easy-to-use claims process and excellent customer service. This is particularly helpful when managing claims for multiple pets in your household.
  • Pros: No annual or lifetime payout limits, fast claims processing, discounts for additional pets, excellent reputation for customer service.
  • Cons: No wellness coverage or routine care included in their plans, premiums can be higher for older pets.

2. Trupanion Pet Insurance

Best for: 90% reimbursement and breed-specific coverage

  • Monthly Premium: Typically $45 to $80 per pet, depending on age and breed.
  • Multi-Pet Discount: Trupanion offers a 10% discount for each additional pet insured with the company.
  • Highlights: Trupanion is known for offering high reimbursement rates (90% after deductible) and for covering hereditary conditions, which is important for pets with breed-specific health risks. Trupanion provides coverage for accidents, illnesses, and surgeries, and they have no payout limits, which is crucial when insuring multiple pets, as the costs of treatments can quickly add up.
  • Pros: 90% reimbursement rate, covers hereditary conditions, no payout limits, multi-pet discount.
  • Cons: No coverage for wellness or routine care, higher premiums for older pets, and their policies can be more expensive than other providers.

3. Pets Best Pet Insurance

Best for: Affordable premiums and flexible plans

  • Monthly Premium: Starts at around $20 per pet.
  • Multi-Pet Discount: 5% off your premium for each additional pet.
  • Highlights: Pets Best offers customizable plans, including accident-only and comprehensive coverage options. Their flexible plans let you adjust deductibles, reimbursement rates, and coverage limits to suit your budget and your pets’ needs. Pets Best also provides an affordable option for multi-pet households, with a reasonable discount structure for insuring multiple pets.
  • Pros: Affordable premiums, customizable plans, 5% multi-pet discount, 24/7 customer support.
  • Cons: Coverage for pre-existing conditions is not available, no wellness care included in basic plans.

4. Figo Pet Insurance

Best for: Comprehensive coverage with tech-savvy tools

  • Monthly Premium: $25 to $55 per pet, depending on coverage options.
  • Multi-Pet Discount: Figo offers a 5% discount for each additional pet.
  • Highlights: Figo is known for its excellent customer service and tech-forward approach to pet insurance. Their mobile app allows easy access to policy information, claim filing, and 24/7 veterinary advice. Figo’s comprehensive plans cover accidents, illnesses, hereditary conditions, and surgeries, and they also provide coverage for wellness care with their optional add-on. The app makes managing multiple pets simple and efficient.
  • Pros: Comprehensive coverage, tech-forward tools, 5% multi-pet discount, 24/7 vet helpline.
  • Cons: Higher premiums for older pets, no direct reimbursement option (you pay upfront and get reimbursed).

5. ASPCA® Pet Health Insurance

Best for: Lifetime coverage with optional wellness add-on

  • Monthly Premium: Around $25 to $50 per pet, depending on age and breed.
  • Multi-Pet Discount: Offers a 10% discount for insuring multiple pets under the same policy.
  • Highlights: ASPCA offers comprehensive accident-and-illness plans with the option to add wellness coverage for preventive care such as vaccinations, flea treatments, and annual exams. Their policies cover a wide range of conditions, including hereditary issues common in certain breeds, and they provide the option for lifetime coverage, ensuring your pets are covered for their entire lives.
  • Pros: Lifetime coverage options, 10% multi-pet discount, wellness care options.
  • Cons: Can be more expensive than other providers, especially with add-ons for wellness coverage.

Factors to Consider When Choosing Pet Insurance for Multiple Pets

When choosing pet insurance for multiple pets, several factors need to be considered to ensure you’re getting the best coverage at the best price:

  • Multi-Pet Discounts: Look for providers that offer a discount for insuring more than one pet. These discounts can significantly reduce the overall cost of insurance for multiple pets.
  • Coverage Options: Make sure the provider offers the coverage you need for all your pets, including illnesses, accidents, surgeries, and hereditary conditions.
  • Customization: Some pets may need different types of coverage depending on their age, breed, or pre-existing conditions. Look for providers that allow customization of your plan to suit each pet’s specific needs.
  • Reimbursement and Payout Limits: Choose a provider that offers a high reimbursement percentage and a reasonable annual payout limit to ensure your pets’ medical costs are covered adequately.
  • Customer Service: Managing insurance for multiple pets can be complex, so it’s essential to select a provider known for responsive customer service and easy claims processing.

Conclusion

Choosing the best pet insurance for multiple pets requires balancing the coverage you need with affordability. Providers like Healthy Paws, Trupanion, Pets Best, and Figo offer great coverage for multi-pet households, with competitive multi-pet discounts and customizable options to suit your needs. Make sure to review your pets’ health conditions, your budget, and the specific benefits each provider offers before making a decision.