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Best Pet Insurance for Multiple Pets

by Adeel Ikram

Best Pet Insurance for Multiple Pets in 2024

Our analysis indicates that Lemonade and Spot are the top pet insurance providers for households with multiple animals. The majority of pet insurance providers promote having many pets insured under one policy by providing multi-pet households with benefits and discounts.

Best Pet Insurance for Multiple Pets

Having multiple pets can provide happiness and companionship, but it also increases the cost of veterinary care. When your pets become ill or are hurt, pet insurance can lower the expense of veterinarian treatment, freeing you up to concentrate on your pets’ needs rather than worrying about money.

How Does Multi-Pet Insurance Operate and What Is It?

The option to add pets during policy enrollment is usually available when buying pet insurance for several animals. Usually, having two or more pets on single insurance entitles the policyholder to a 5% to 10% discount.

You do, however, have the option to get a whole different coverage for each pet you possess. If you currently have a pet insurance policy and get a new animal, or if your pet is older than the minimum age required by your selected provider, you may select this option.

You might be able to choose various yearly coverage limitations, deductibles, and reimbursement rates for each pet, depending on your provider. Personalizing these choices may result in a lower monthly premium, particularly if you’re adding an elderly or purebred pet to your insurance.

A single-pet insurance plan’s claim submission procedure is comparable to that of a multi-pet insurance policy. The sole distinction is that there probably will be an additional phase in which the animal for whom the claim is made must be chosen, together with the relevant medical records.

Best All Around: Accept


  • 10% off when you buy numerous pets.
  • The topic of behavioral therapy is addressed.


  • There is a six-month waiting time for orthopedic issues.
  • Costs of routine or preventative care are not covered.

Families attempting to incorporate new pets into their homes may find behavioral therapy coverage beneficial. Embrace also offers a 10% discount for insuring numerous pets. The primary drawback of Embrace’s coverage is that it excludes routine or preventative care, which can be costly for households with several dogs.

Furthermore, Embrace ranks second among insurers in our associated ranking of the least expensive pet insurance providers.


Exam and consultation costs; diagnostic tests; procedures and treatments; emergency and specialty care; hospitalization and surgery for cancer treatments; behavioral therapy; follow-up care with rehabilitation; prosthetic limbs, devices, and mobility aids; dental illness up to $1,000 annually; prescription drugs include the following types of coverage:

Discounts: 5% military discount (not valid in NY or TN), 10% discount for numerous pets
Age Limitations: None
Limits per year: Changeable
Deductibles: Variable plus, occasionally, co-pays
Payback percentage (%): Changeable

Pumpkin Is the Best for Senior Pets.


  • 90% of qualified veterinary expenditures are reimbursed.
  • There is no maximum age to apply


  • 14-day hold time

Launched only in 2020, Pumpkin is a relative newcomer to the pet insurance market. Given that Pumpkin has no upper age limit on applications for coverage, it might be an excellent choice for pet owners who wish to insure an elderly animal.

Pumpkin reimburses 90% of all covered expenses, in contrast to several pet insurance providers that normally offer a range of reimbursement options from 70% to 90%. Furthermore, policyholders have the choice to set a $10,000 annual claim cap or an unlimited one. Pumpkin provides a 10% discount on numerous pets, much like Embrace does.


Coverage types include eye, ear, and skin infections; digestive disorders; hip dysplasia; cancer and growths; parasites and infectious diseases; orthopedic injuries; swallowed objects and toxins; diagnostics and treatments; prescription medications; emergencies and hospitalization; surgery and specialized care; advanced care (e.g., stem cell therapy).

Microchipping; hereditary conditions; dental illnesses; behavioral issues; vet exam fees for accidents and illnesses; virtual vet visits for accidents and illnesses; alternative therapies (e.g. acupuncture), prescription food & supplements
Discounts: 10% off when you have several pets.

  • Age limitations: nonexistent
  • Annual ceilings: $10,000 to infinity
  • $100, $250, $500, or $1,000 in deductibles
  • Reimbursement percentage for all breeds older than eight weeks: 90%

The emblem of Nationwide Renters Insurance

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  • Exotic pet subscriptions start at just $9 a month.
  • Several exotic animals are included.


  • For an estimate on exotic pets, please call.

It might be not easy to get coverage for exotic animals in the realm of pet insurance because most providers only cover dogs, cats, puppies, and kittens. But compared to most providers, Nationwide offers coverage for a far larger variety of animals, which makes it one of the few choices for people who own exotic pets.

The following animals are covered: birds, goats, mice, rats, gerbils and hamsters, rabbits, ferrets, and several amphibians and reptiles, including snakes. For a comprehensive list of animals that are and are not covered by Nationwide pet insurance, get in touch with the business.


Coverage kinds include illness (ear infections, vomiting, hip dysplasia, heart disease, cancer, diabetes), wellness (checkups, vaccination or titer, flea treatment, heartworm, bloodwork, urinalysis), accident (broken bones, poisonings, sprains, lacerations, struck by car, ingested things), and Discounts: 5% off with several pets.

  • Age Limitations: None
  • Annual limits: Not applicable for exotics; nevertheless, other programs offer $5,000, $7,500, and limitless.
  • Deductibles: $250 for other policies; not applicable for exotic animals.
  • Percentage of reimbursement: 50% to 90%

Best for Holistic Care: Figo


  • Up to a full refund
  • includes complementary and alternative medicine


  • Coverage excludes experimental treatments

While Figo provides substantial reimbursement rates of up to 100% of qualified expenses, its endorsement of holistic animal care is where Figo truly shines. Figo provides greater access to holistic treatments, including acupuncture, than any other pet insurance company we surveyed, even though experimental treatments aren’t covered.

Generally speaking, acupuncture isn’t covered at all. Additionally, Figo provides optional coverage for regular treatment, like as wellness programs and veterinary examinations.


Coverage types include common illnesses, veterinary specialist treatments, dental illness & injury, holistic & alternative treatments, wellness coverage, chronic conditions, hereditary and congenital disorders, cancer, pet cloud, surgeries, accidents & emergencies, wellness and preventative care, and veterinary exam fees.

  • Rebates: 15% off for qualified Costco members; no age limitations
  • $5,000, $10,000, and limitless annually
  • Net Worth: Not Applicable
  • Up to 100% reimbursement is the percentage

Best for Speedy Claims Processing: Lemonade


  • 24/7 availability of certified veterinarians
  • The majority of disputes were resolved in three working days, the corporation reports.


  • Conditions that are avoidable or recurrent are not covered

Lemonade has established itself as an online provider of life and home insurance as well as pet insurance. Additionally, according to the company website, Lemonade’s AI-enabled claims processing can complete claims in an average of just 2.6 working days thanks to its significant technological investment.

Lemonade is notable for its speedy claims processing for qualified expenses, despite having several coverage exclusions, such as reoccurring conditions, that might affect a lot of pets.


Coverage kinds include routine dental cleaning, vaccinations, blood tests, fecal or internal parasite testing, heartworm testing, flea/tick/heartworm medication, and chat services for medical assistance.

  • Discounts: 5% off multiple pets, 5% off annual purchases, and 10% off bundles
  • Age Limitations: None
  • Limits per year: N/A
  • Net Worth: Not Applicable
  • Payment percentage: Not applicable

The Final Word

Embrace is the greatest pet insurance provider for several pets, according to our study. When it comes to pet insurance, owners need quick, adaptable, and reasonably priced coverage that covers the most popular animals for a variety of services. Embrace offers just that. Pet owners should, however, carefully assess their needs before selecting a policy.

Pet owners occasionally may have specific requirements, such as expedited claims processing or coverage for unusual animals. Which coverage is best for you will depend on your living situation, the veterinarian you visit, the kind of pet you want to insure, and the treatments you usually receive.

Considerations for Purchasing Pet Insurance for Several Pets

Options for coverage: Treatments that are covered differently by various pet insurance providers. While some exclusively cover certain procedures, others include basic veterinary visits. It might be difficult to acquire coverage for holistic care, and experimental treatments are hardly ever covered.

Wellness plans: Many pet insurance offer wellness plans to assist cover the cost of routine veterinary care, including annual checkups, vaccines, lab work, and other services, in addition to accident and illness coverage.

Waiting periods: before the start of coverage, most plans have waiting periods. These waiting times differ based on the condition and the provider.

Exclusions from coverage: Pre-existing conditions are the most prevalent issue pet insurers refuse to cover. Pregnancy or breeding services are also frequently excluded from insurance coverage. Furthermore, the majority of pet insurance plans exclude spaying and neutering.

Prescription drug coverage: Plan and provider-specific coverage differ, however, most insurance plans cover prescription drugs written by veterinarians.

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