Best Pet Insurance For Multiple Pets In 2025

Discover who has the best pet insurance for multiple pets and learn who lets you combine pet coverage to get 5-10% multi-pet discount.

  • Take your pet to any licensed vet, emergency clinic or specialist in the US
  • Reimbursement for up to 90% of vet costs
  • Get a quote in 2 minutes or less
  • Coverage for pets of any age and breed, and no lifetime or per incident limits
By Licensed Agent:  Sa El

Published: May 13, 2024

Updated:  April 11, 2025

As a fellow pet parent, I'm sure you can agree that finding the best pet insurance for multiple pets would be beneficial because it helps to spread out the costs and reduces the overall financial burden that can come with owning a pet.

But here's the thing:
Searching for coverage on one pet can already be a challenge, so my primary goal in this post will be to review the best pet insurance companies for multiple pets

We will also cover the average cost of pet insurance for multiple pets, and provide tips on how to quickly obtain coverage for multiple cats, dogs, and exotic animals

Which Pet Insurance Is Best for Multiple Pets?

The best pet insurance for multiple pets is Odie Pet Insurance which offers multi-pet discounts, comprehensive coverage, and affordable premiums. Other top providers include MetLife, Lemonade, and ASPCA Pet Health Insurance. These companies cover accidents, illnesses, and routine care while offering savings for insuring multiple pets.


Best Pet Insurance Companies For Multiple Pets Review

MetLife Pet Insurance - Best Overall Pet Insurance Company

Healthy Paws - Unlimited lifetime benefits, no per-incident caps

Pets Best - Fast claims processing and accident-only plans 

Trupanion - Direct vet payments and unlimited payouts

Nationwide - Covers exotic pets and offers whole-pet coverage

Figo - Best Overall Pet Insurance Company

ASPCA Pet Health Insurance - Covers exam fees and alternative therapies

Fetch by The Dodo - Customizable plans with breeder-specific options

Prudent Pet - Best for Unique Extra Benefits & 24/7 Vet Helpline

Spot - Offers wellness add-ons and 90% reimbursement

Lemonade - AI-driven claims with optional wellness coverage

TrustedPals Pet Insurance - Best Pet Insurance for multiple senior pets

Embrace - Customizable plans with diminishing deductibles

AKC Pet Insurance - Customizable plans with breeder-specific options.

Bivvy - Low-cost flat-rate coverage with no age restrictions

Pumpkin - Extensive coverage with preventive care options

Many Pets - Best Pet Insurance for Multiple Dogs

GEICO Pet Insurance - Multi-pet discount and wellness add-ons

Multi-Pet Insurance Plan Comparison Table (2025)

Company

Coverage Amounts

Deductible Options

Reimbursement Options

Multi-pet Discount


$5,000 / $10,000 / $25,000 / Unlimited

$50 / $100 / $250 / $500 / $1,000

70% / 80% / 90%

10%

Healthy Paws

Unlimited

$100 / $250 / $500

70% / 80% / 90%

NONE

Pets Best

$5,000 / Unlimited

$50 / $100 / $200 / $250 / $500 / $1,000

70% / 80% / 90%

5%

Trupanion

Unlimited

$0–$1,000 (in $5 increments)

90%

NONE

Nationwide

$10,000

$250

50% / 70%

5%

Figo

$5,000 / $10,000 / Unlimited

$100 / $250 / $500 / $750

70% / 80% / 90% / 100%

5%

ASPCA Pet Health Insurance

$2,500 / $4,000 / $7,000 / $10,000

$100 / $250 / $500

70% / 80% / 90%

10%

Fetch by The Dodo (PetPlan)

$5,000 / $15,000 / Unlimited

$250 / $300 / $500 / $700 / $1,000

70% / 80% / 90%

10%

Prudent Pet

$10,000 / $20,000 / Unlimited

$100 / $250 / $500 / $750 / $1,000

70% / 80% / 90%

10%

Spot

$2,500 / $3,000 / $4,000 / $5,000 / $7,000 / $10,000 / Unlimited

$100 / $250 / $500 / $750 / $1,000

70% / 80% / 90%

10%

Lemonade

$5,000 / $10,000 / $20,000 / $50,000 / $100,000

$100 / $250 / $500

70% / 80% / 90%

5%

TrustedPals

$4,000 / $8,000 / $15,000 / $20,000 / Unlimited

$0 / $100 / $250 / $500 / $750

70% / 80% / 90%

5%

Embrace

$5,000 / $8,000 / $10,000 / $15,000 / Unlimited

$100 / $250 / $500 / $750 / $1,000

70% / 80% / 90%

10%

AKC Pet Insurance

$3,000 / $5,000 / $10,000 / $20,000 / $40,000

$100 / $250 / $500 / $1,000

70% / 80% / 90%

5-10% Approx

Bivvy

Up to $5,000

$50 / $100 / $250 (approx.)

80% (approx.)

NONE

Pumpkin

$10,000 / $20,000 / Unlimited

$100 / $250 / $500

90%

10%

ManyPets

Unlimited

$500 / $750 / $1,000

70% / 80%

15%

Geico

$5,000 / $8,000 / $10,000 / $15,000 / Unlimited

$100 / $250 / $500 / $750 / $1,000

70% / 80% / 90%

10%

(Coverage amounts, deductibles, and reimbursement options may vary by state or policy. Multi-pet discounts may also depend on the number of pets insured. Always confirm details with the provider.)

Top 15 Pet Insurance Providers: Multi-Pet Coverage & Discounts

Company

Multi-Pet Coverage

Multi-Pet Discount

MetLife (Formally PetFirst)

Healthy Paws 


Pets Best

Trupanion


Nationwide

Figo

ASPCA Pet Health Insurance

Fetch by The Dodo (PetPlan)

Prudent Pet

Spot

Lemonade

TrustedPals

Embrace

AKC Pet Insurance

Bivvy


What Is the Average Cost of Pet Insurance for Multiple Pets per Month?

The average cost of pet insurance for multiple pets is $77 per month or about $922 per year. These rates include the industry average 10% multi-pet discount. However, keep in mind that when it comes to insuring more than one pet, the cost of insurance can vary and premiums can range between $59/month to $112/month depending on certain factors. Understanding these factors can help us estimate the expenses involved in getting coverage for our furry companions

How Much Is Pet Insurance for Multiple Cats per Month?

$53 per month is the average cost of pet insurance for multiple cats which is around $639 per year. This rate includes the average ten percent multi-pet discount as well. By now, it's probably easy to see that cats often secure lower insurance rates than their canine counterparts. 

How Much Is Pet Insurance for Multiple Dogs per Month?

Pet insurance for multiple dogs costs around $106 per month or just around $1,272 per year.  Now, if you're wondering why dogs pay more per month in monthly premiums it has everything to do with overall health and life expectancy. 

What Factors Affect the Cost of Multi-Pet Insurance?

Multiple factors influence multi-pet insurance costs, including each pet’s breed, age, and medical history. Coverage selections (like wellness, dental, or specialized treatments), location-based vet expenses, and policy details (deductible, reimbursement rate, and coverage limits) also affect premiums. Finally, discounts or multi-pet deals can reduce overall costs.

Discounts Available For Multi-Pet Insurance Policies

 Multiple Pet Insurance Discount Comparison Chart

Company

Multi-Pet Discount

MetLife (Formally PetFirst)

10%

Healthy Paws 

NONE

Pets Best

5%

Trupanion

NONE

Nationwide

5%

Figo

5%

ASPCA Pet Health Insurance

10%

Fetch by The Dodo (PetPlan)

10%

Prudent Pet

10%

Spot

10%

Lemonade

5%

TrustedPals

5%

Embrace

10%

AKC Pet Insurance

5-10% (varies)

Bivvy

NONE

Low Cost Pet Insurance for Multiple Pets

A low-cost pet insurance plan for multiple pets usually combines competitive premiums with a multi-pet discount. While exact pricing will depend on factors like your pets’ ages, breeds, health history, and location, there are a few budget-friendly options to consider:


1. MetLife

  • Known for: Occasional promotions and discounts, including multi-pet deals.
  • Multi-pet discount: Available in most states for multiple pets.
  • Tip: MetLife’s short waiting periods can help if you need coverage sooner than later.

2. Lemonade

  • Known for: Low monthly premiums on standard accident and illness plans.
  • Multi-pet discount: Offers a discount when you add more than one pet.
  • Tip: You can adjust your deductible and reimbursement level to further manage costs.

3. Spot

  • Known for: Highly customizable coverage, letting you opt for more basic (and cheaper) plans.
  • Multi-pet discount: Offers a discount for multiple pets on the same policy.
  • Tip: Compare the cost difference for add-ons like preventive care vs. paying out of pocket.

4. Bivvy

  • Known for: Flat-rate pricing that’s often more affordable than many providers.
  • Multi-pet discount: Not currently published.
  • Tip: Bivvy has lower coverage limits, so ensure it meets your needs.

5. Figo

  • Known for: Flexible plans that can be tailored to suit both budget and coverage needs.
  • Multi-pet discount: Typically offers a small percentage off for each additional pet.
  • Tip: Check if the plan’s annual limits and customization align with your cost expectations.

Is a Multi-Pet Insurance Plan Worth It?

Yes! A multi-pet insurance plan can be very beneficial if you have more than one furry friend. By insuring multiple pets with the same provider, you often unlock discounts that help lower overall costs. In addition, managing just one insurance account simplifies billing and policy details. However, the value ultimately depends on your pets’ health needs and the cost of the policy. Make sure to compare coverage options, deductibles, and exclusions for each pet before enrolling, so you can determine if the savings and convenience truly outweigh any potential drawbacks.

How Many Pets Can You Have on Pet Insurance?

The number of pets you can insure under a single provider varies by company. Some pet insurance providers let you add as many pets as you’d like, while others may have specific limits—such as five or ten pets—enrolled on one plan. If you have more pets than the stated maximum, you may still be able to insure them under separate plans or by speaking directly to a representative about special accommodations. Always check the insurer’s terms or contact customer service to confirm the rules regarding multi-pet enrollment.

What Are Multiple Pet Insurance Plans?

A multiple pet policy, also known as a multi pet discount is a type of insurance that allows you to insure all pets under a single policy. Instead of purchasing separate policies for each pet, multi pet insurance plans provide coverage for all your pets, typically at a discounted rate. Vet bills are expensive.

What Does a Multiple Pet Insurance Plan Cover?

Multi-pet plans mirror standard policies, covering accidents, illnesses, surgeries, medications, and exams. They often include fractures, hereditary conditions, and serious illnesses like earworm infections, diabetic heart issues, and skin cancers. With the right coverage, you can protect your pets from unexpected expenses and ensure they receive necessary care.

Can You Put Multiple Pets on a Pet Insurance Plan?

Yes, you can put multiple pets on a pet insurance plan. Many insurers offer multi-pet policies that cover multiple animals under one plan, often with a discount. Each pet may have its own policy terms, deductibles, and coverage limits. Check with providers for specific multi-pet discounts and coverage options.


The Benefits of Multiple Pet Insurance

Owning multiple pet insurance policies provides financial security, reduced veterinary costs, and tailored coverage for different pets. Multi-pet discounts lower premiums, while comprehensive plans ensure specialized treatment for various breeds and conditions. This coverage simplifies claims and guarantees better healthcare for all pets. 

However, pet ownership can be relatively expensive when you factor in the cost of food, regular check-ups, and unexpected health-related expenses. That's where you can let your pet insurance work for you and make life easier for both you and your pets!

Pet Insurance for Multiple Pets Buyer’s Guide

What Is a Good Annual Limit for Pet Insurance for Multiple Pets?

The annual coverage limit is the maximum amount that the insurance company will pay per year for covered expenses. You usually have the option to choose a limit between $2,000 and $10,000, although some companies offer even higher limits.

For instance, Lemonade provides options up to $100,000 per year, while Embrace, Figo, Pets Best, Pumpkin, and Spot offer unlimited coverage. Keep in mind that higher annual limits come with higher costs for coverage. The limit will reset at the start of each policy year.

On average, insuring more than one pet is about 30% less than what you would pay to insure each pet separately.

Important Considerations When Shopping for Multi-Pet Insurance Policies

It is an invaluable investment for a dog owner, providing financial protection and peace of mind. Insuring them under a multi pet coverage policy can simplify the process and potentially save you money. However, there are several important considerations to keep in mind when shopping for policies to ensure you make the right choice for your furry companions.

The main things to consider are:

  • Options Available: One of the most critical factors to consider is the coverage provided by the insurance policy. Each pet may have different health needs, so it's crucial to find a policy that offers total care for a wide range of conditions, including accidents, illnesses, hereditary conditions, and routine care.
  • Customizability: As pet parents, we recognize that each pet has unique characteristics and requirements, and their insurance coverage should reflect that. Look for a policy that allows you to customize the coverage for each pet. This could include adjusting the coverage limits, deductibles, or reimbursement percentages to suit each pet's specific needs
  • Premiums and Discounts: Evaluate the costs from different providers and evaluate the discounts offered for multi-pet policies. Look for insurance companies that provide competitive pricing and substantial discounts for insuring all of your pets.
  • Reimbursement Policies: Pay attention to the reimbursement options available, such as the percentage of the veterinary bills that will be reimbursed (commonly ranging from 70% to 90%). Ensure you are comfortable with the reimbursement percentage and understand the claims process, including any required documentation or timeframes.
  • Network of Providers: Ensure that the policy you want will allow you to visit licensed veterinarians of your choice, providing flexibility and accessibility to quality care for all your furry companions.
  • Policy Limitations and Exclusions: Thoroughly review the policy's limitations and exclusions to understand what is and isn't covered. Pay attention to pre-existing conditions, waiting periods, and specific breed-related exclusions. Knowing these limitations will help you make an informed decision and avoid any surprises or disappointments in the future.

What Are the Most Common Pet Insurance Claims?

The most common pet insurance claims are: 

  • Vomiting
  • Diarrhea
  • Urinary Tract Infection
  • Weight Loss
  • Otitis Externa (ear infection)

Without insurance, consider the weight of vet bills. Simple afflictions like ear infections or upset stomachs come at a price lower than a year's insurance premium. However, when faced with multiple ailments or graver conditions, expenses often surpass the coverage of a complete policy.  MetLife's claims data discloses that the average cost for common dog treatments rests at $254, while for cats, it stands at $267.

Most Common Pet Insurance Claims for Cats

Rank

Condition

Vet Cost

1

Urinary tract infection

$295

2

Upset stomach

$385

3

Kidney failure

$485

4

Diarrhea

$203

5

Allergies

$235

6

Diabetes

$276

7

Colon issues

$203

8

Ear infection

$149

9

Upper respiratory infection

$219

10

Hyperthyroidism

$216

Most Common Pet Insurance Claims for Dogs

Rank

Condition

Vet Cost

1

Ear Infection

$149

2

Allergies

$249

3

Skin Infection

$175

4

Upset stomach

$385

5

Diarrhea

$203

6

Bladder issues

$617

7

Eye Infection

$115

8

Arthritis

$255

9

Hypothyroidism

$123

10

Sprains

$267

Do Pet Insurance Plans Cover Preexisting Conditions?

The Pet Protection Agency's pet policies do not cover existing conditions. Pet Insurance companies consider pets with these ailments as expensive investments and high risks. Some companies also differentiate between cure and incurability. It'll cover the curable conditions and stipulates generally if the dog does not experience any symptoms.

Does a Pet Insurance Plan Have Any Waiting Periods?

Company

Accident Waiting Period

Illness Waiting Period

Extended Waiting Period

MetLife (Formally PetFirst)

0 days

14 days

6 months for cruciate or related knee conditions

Healthy Paws 

15 days

15 days

12 months for hip dysplasia; not covered if pet is 6+ at enrollment

Pets Best

3 days

14 days

6 months for cruciate ligament issues

Trupanion

5 days

30 days

NONE

Nationwide

14 days

14 days

12 months for cruciate or meniscus injuries

Figo

1 days

14 days

6 months for knee issues; may be waived with vet exam

ASPCA Pet Health Insurance

14 days

14 days

NONE

Fetch by The Dodo (PetPlan)

15 days

15 days

6 months for orthopedic conditions (e.g., knee/hip); may be waived with vet exam

Prudent Pet

5 days

14 days

6 months for cruciate or patella issues

Spot

14 days

14 days

NONE

Lemonade

2 days

14 days

6 months for cruciate ligament issues

TrustedPals

14 days

14 days

6 months for cruciate or related conditions

Embrace

2 days

14 days

6 months for orthopedic conditions (dogs)

AKC Pet Insurance

2 days

14 days

6 months for cruciate or knee conditions (dogs)

Bivvy

1 days

14 days

NONE

Pumpkin

14 days

14 days

NONE

Many Pets

15 days or 24 hours

15 days or 24 hours

NONE

Geico

2 days

14 days

6 months for orthopedic conditions (dogs)

Source:These details for 2025 are based on data compiled for multiple cats and dogs—often with unlimited annual coverage (where offered), a $100 deductible, and an 80% reimbursement rate (or the closest available). Actual terms and waiting periods may vary by state or individual policy.

Best Multi-Pet Insurance companies quick overview

MetLife Pet Insurance | Best Pet Insurance for Comprehensive, Lifelong Coverage

MetLife Pet Insurance is a top choice for comprehensive, flexible coverage. No age limits ensure senior pets receive the same protection, while customizable deductibles, reimbursement rates, and coverage limits let owners tailor plans to any budget. Direct vet pay and immediate accident coverage further reduce out-of-pocket expenses and offer peace of mind. With broad coverage, financial flexibility, and industry-leading support, MetLife remains the gold standard in pet insurance.

  • Policy Highlights: Covers accidents, illnesses, hereditary conditions, and preventive care. Offers flexible, customizable plans ideal for senior pets
  • Age Limits: No upper age limit; coverage starts at 8 weeks
  • Coverage Limit: Customizable, including unlimited annual coverage
  • Annual Deductible: Options from $0 to $2,500
  • Reimbursement Rate: 50%, 70%, 80%, or 90% reimbursement options
  • Waiting Period: No waiting period for accidents; 14 days for illnesses
  • Direct Vet Pay: Available at participating veterinarians

Pros

Cons

No upper age limit, making it ideal for senior pets

14-day waiting period for illnesses

Highly customizable plans to fit different budgets and needs

Higher premiums for older pets

No waiting period for accident coverage

Some exclusions for pre-existing conditions

Direct vet pay option available


Geico Pet Insurance | Best Pet Insurance for Multiple Cats

GEICO excels in multi-cat coverage, offering unlimited annual amounts, deductibles as low as $100, and up to 90% reimbursement. Their optional Preventive Care plan covers microchips, prescription diets, and vaccines. There’s no specific age for spaying or neutering, but enrolling at that time earns you a discount.

  • Policy Highlights: Provides coverage for accidents, illnesses, hereditary conditions, and optional wellness care Underwritten by Embrace, offering flexible plans
  • Age Limits: Coverage starts at 6 weeks; accident-only coverage available for pets over 14 years old
  • Coverage Limit: Customizable from $5,000 to unlimited coverage
  • Annual Deductible: Options range from $200 to $1,000
  • Reimbursement Rate: 70%, 80%, or 90% reimbursement options
  • Waiting Period: 2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement

Pros

Cons

Multi-pet discount for insuring multiple cats

6-month waiting period for orthopedic conditions

Flexible coverage options with customizable deductibles and limits

No direct vet pay option

Short 2-day waiting period for accidents

Limited coverage for older pets (only accident coverage for pets over 14 years old)

Optional wellness coverage for preventive care


ManyPets Pet Insurance | Best Pet Insurance for Multiple Dogs

ManyPets is the top choice for owners of multiple dogs, offering multi-pet discounts, unlimited annual coverage options, and no per-condition limits. Unlike many insurers, ManyPets even covers some pre-existing conditions after a waiting period, making it a standout option for long-term pet care.

  • Policy Highlights: Covers accidents, illnesses, hereditary conditions, and some pre-existing conditions. Offers multi-pet discounts and unlimited annual coverage options
  • Age Limits: Coverage starts at 8 weeks with no upper age limit
  • Coverage Limit: Customizable, including unlimited annual coverage
  • Annual Deductible: Options from $250 to $500
  • Reimbursement Rate: Choose from 70%, 80%, or 90%
  • Waiting Period: 15 days for accidents and illnesses; reduced waiting period for some pre-existing conditions
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement

Pros

Cons

Multi-pet discounts 

15-day waiting period for accidents and illnesses

Covers some pre-existing conditions after a waiting period

No direct vet pay option

No per-condition limits, allowing unlimited claims for covered conditions

Higher premiums for older dogs

Unlimited annual coverage available for higher medical expenses


Spot Pet Insurance | Best Flexible Coverage Pet Insurance

Spot offers highly customizable coverage with adjustable deductibles, reimbursement rates, and coverage limits. There’s no upper age limit, so pets of all ages receive protection for accidents, illnesses, and hereditary conditions. Optional wellness plans cover routine care, and multi-pet discounts help families save. Although direct vet pay is unavailable, Spot’s flexibility and comprehensive coverage make it a leading choice for personalized insurance.

  • Policy Highlights: Offers highly customizable plans, covering accidents, illnesses, hereditary conditions, and optional wellness care. Provides flexibility in deductible, reimbursement, and coverage limits to fit different budgets
  • Age Limits: Coverage starts at 8 weeks with no upper age limit
  • Coverage Limit: Customizable, from $2,500 to unlimited annual coverage
  • Annual Deductible: Options range from $100 to $1,000
  • Reimbursement Rate: Choose from 70%, 80%, or 90%
  • Waiting Period: 14 days for accidents and illnesses
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement

Pros

Cons

Highly flexible coverage options to suit different needs and budgets

14-day waiting period for both accidents and illnesses

No upper age limit, making it a great choice for senior pets

No direct vet pay option

Optional wellness coverage for routine care

Routine care coverage requires an additional plan

Multi-pet discounts available


Lemonade Pet Insurance | Best Multiple Pet Insurance with Wellness Care

With its unique approach and user-friendly platform, Lemonade is another great choice for ensuring multiple pets. Lemonade offers numerous options and an easy process for filing claims. Plus, its price-match guarantee ensures that you’ll get the best rates for your insurance needs.

  • Policy Highlights: Covers accidents, illnesses, and optional wellness care. AI-driven claims processing for fast reimbursements.
  • Age Limits: Coverage starts at 8 weeks; upper age limits may apply
  • Coverage Limit: Customizable options from $5,000 to $100,000
  • Annual Deductible: Choices of $100, $250, or $500
  • Reimbursement Rate: 70%, 80%, or 90% reimbursement options
  • Waiting Period: 2 days for accidents, 14 days for illnesses, 6 months for cruciate ligament issues
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement

Pros

Cons

Affordable pricing with multiple pet discounts

Upper age limits may apply

Fast AI-powered claims processing

No direct vet pay option

Optional wellness plans for preventive care

Limited availability in some states

2-day waiting period for accidents


ASPCA Pet Insurance | Best Pet Insurance for Pre-existing Conditions

ASPCA Pet Health Insurance excels at multi-pet coverage with discounts for pets with pre-existing conditions. Its robust features provide peace of mind and financial protection, making it a standout choice for insuring multiple pets under one policy.

  • Policy Highlights: Covers accidents, illnesses, hereditary conditions, and behavioral issues. Some pre-existing conditions may be covered if symptom-free for 180 days
  • Age Limits: No upper age restrictions; coverage starts at 8 weeks
  • Coverage Limit: Customizable from $5,000 to unlimited coverage
  • Annual Deductible: Options range from $100 to $500
  • Reimbursement Rate: 70%, 80%, or 90% reimbursement options
  • Waiting Period: 14 days for accidents and illnesses
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement

Pros

Cons

Covers some pre-existing conditions if the pet remains symptom-free for 180 days

Longer 14-day waiting period for accidents

No upper age limit for enrollment

No direct vet pay option

Customizable coverage options

Routine and wellness care require an add-on plan

Includes behavioral therapy coverage


Embrace Pet Insurance | Best Pet Insurance for Comprehensive Coverage

Embrace is a fan favorite on Reddit. They provide a total care accident-and-illness plan that covers a wide range of medical needs for your pets. Additionally, Embrace also covers alternative therapies, cancer treatments, emergency care, surgery, diagnostic procedures, physical therapy, and more.  

  • Policy Highlights: Covers accidents, illnesses, genetic conditions, and alternative therapies. Offers diminishing deductible features
  • Age Limits: Covers pets starting at 6 weeks; accident coverage only for pets over 14 years old
  • Coverage Limit: Customizable from $5,000 to unlimited coverage
  • Annual Deductible: Options from $200 to $1,000, with a diminishing deductible that reduces by $50 each year without a claim
  • Reimbursement Rate: 70%, 80%, or 90% reimbursement options
  • Waiting Period: 2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement

Pros

Cons

Affordable premiums with a diminishing deductible

6--month waiting period for orthopedic conditions

Covers alternative treatments like acupuncture and chiropractic care

No direct vet pay option

Short 2-day waiting period for accidents

Very limited coverage for older pets (only accident coverage for pets over 14 years old)

Discounts for multiple pets and military members


Nationwide Pet Insurance | Best Pet Insurance for Multiple Exotic Pets

Nationwide uniquely covers exotic pets, including birds, rabbits, ferrets, reptiles, and more. Discounts range from 5% for two or three pets to 10% for four or more. Coverage levels and deductibles are fixed, with a $10,000 maximum and a $250 deductible.

  • Policy Highlights: Covers accidents, illnesses, hereditary conditions, and wellness care. The only major provider offering coverage for birds, reptiles, and exotic pets
  • Age Limits: Coverage starts at 6 weeks; some plans may have upper age limits
  • Coverage Limit: Customizable options, including unlimited annual coverage
  • Annual Deductible: Options range from $100 to $250
  • Reimbursement Rate: 50%, 70%, or 90% reimbursement options
  • Waiting Period: 14 days for illnesses; 24 hours for accidents
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement

Pros

Cons

Only provider offering coverage for exotic pets

Higher premiums for exotic pet coverage

Includes wellness coverage options

No direct vet pay option

Offers multi-pet and policyholder discounts

Some plans may have upper age limits

Short 24-hour waiting period for accidents


Pets Best Pet Insurance | Best Pet Insurance for Affordable Premiums

Pets Best is a top choice for pet owners seeking affordable premiums without sacrificing coverage. The policy offers customizable plans, allowing pet parents to adjust coverage limits, deductibles, and reimbursement rates to fit their budget.

  • Policy Highlights: Covers accidents, illnesses, hereditary conditions, and optional wellness care. Offers direct vet payment for eligible claims
  • Age Limits: Coverage starts at 7 weeks with no upper age limit
  • Coverage Limit: Options from $5,000 to unlimited coverage
  • Annual Deductible: Ranges from $50 to $1,000
  • Reimbursement Rate: 70%, 80%, or 90% reimbursement options
  • Waiting Period: 3 days for accidents, 14 days for illnesses
  • Direct Vet Pay: Available at participating veterinarians

Pros

Cons

Direct vet payment option for faster claim processing

Routine care requires an additional wellness plan

No upper age limit for coverage

14-day waiting period for illnesses

Customizable plans with flexible deductibles and reimbursement rates

Some hereditary conditions may have restrictions

3-day waiting period for accidents


Pumpkin Pet Insurance | Best Pet Insurance for High Reimbursement Rate

Pumpkin Pet Insurance offers a 90% reimbursement rate and covers pets of all ages. Though it lacks direct vet pay, its robust coverage and high payout percentage make it a leading choice for financial security.

  • Policy Highlights: Covers accidents, illnesses, hereditary conditions, and optional preventive care. Offers a standard 90% reimbursement rate on all plans
  • Age Limits: Coverage starts at 8 weeks; no upper age limit
  • Coverage Limit: Options range from $10,000 to unlimited coverage
  • Annual Deductible: Choices of $100, $250, or $500
  • Reimbursement Rate: Fixed at 90% for all policies
  • Waiting Period: 14 days for accidents and illnesses
  • Direct Vet Pay: Available at participating veterinarians

Pros

Cons

Standard 90% reimbursement rate on all plans

No lower reimbursement rate options for lower premiums

No upper age limit for coverage

4-day waiting period for accidents and illnesses

Covers hereditary conditions and preventive care

No direct vet pay option

10% multi-pet discount


Healthy Paws Pet Insurance | Best Unlimited Payout Coverage Plans

Healthy Paws provides unlimited payout coverage with no annual or lifetime caps. Its single plan covers accidents, illnesses, hereditary conditions, and alternative treatments. Fast claims processing—often within two days—and no per-condition limits offer unrestricted financial support for pets.

  • Policy Highlights: Provides comprehensive coverage for accidents, illnesses, hereditary conditions, and alternative treatments. Offers unlimited lifetime payouts with no per-condition limits
  • Age Limits: Coverage starts at 8 weeks; pets enrolled before age 14 can maintain lifetime coverage
  • Coverage Limit: Unlimited annual and lifetime coverage
  • Annual Deductible: Options range from $100 to $500
  • Reimbursement Rate: Choose from 70%, 80%, or 90%
  • Waiting Period: 15 days for accidents and illnesses; 12 months for hip dysplasia (if enrolled after age 6)
  • Direct Vet Pay: Available at participating veterinarians

Pros

Cons

Unlimited annual and lifetime payouts with no caps

12-month waiting period for hip dysplasia if pet is enrolled after age 6

Fast claims processing, often within two days

No coverage for routine or preventive care

Covers alternative treatments like acupuncture and chiropractic care

No direct vet pay option

Simple one-plan policy with broad coverage


Figo Pet Insurance | Best Tech-Driven Pet Insurance

Figo Pet Insurance is notable for its user-friendly, technology-driven platform. Its Pet Cloud App simplifies filing claims, organizes medical records, and offers customizable coverage options (including 100% reimbursement). With an easy online claims process and 24/7 live vet chat, Figo provides both convenience and peace of mind for modern pet parents.

  • Policy Highlights: Offers comprehensive coverage for accidents, illnesses, hereditary conditions, and optional wellness care. Features a cloud-based pet health management app for easy claims and vet access
  • Age Limits: Coverage starts at 8 weeks with no upper age limit
  • Coverage Limit: Customizable options, including unlimited annual coverage
  • Annual Deductible: Ranges from $100 to $750
  • Reimbursement Rate: Choose from 70%, 80%, 90%, or 100%
  • Waiting Period: 1 day for accidents, 14 days for illnesses, 6 months for orthopedic conditions
  • Direct Vet Pay: Available at participating veterinarians

Pros

Cons

100% reimbursement option, rare among pet insurers

6-month waiting period for orthopedic conditions

1-day waiting period for accidents, one of the shortest in the industry

Wellness care requires an additional plan

AI-powered mobile app for easy claims, vet chat, and pet records

Higher premiums for unlimited coverage

No upper age limit, making it ideal for senior pets


Trupanion Pet Insurance | Best Direct-to-Vet Payment Pet Insurance

Trupanion offers seamless direct-to-vet payments, eliminating upfront costs and lengthy reimbursements. With 90% coverage, no payout limits, and comprehensive accident and illness protection, it ensures pets receive unrestricted medical care. While routine care isn’t included, its unmatched convenience and unlimited payouts make it the top choice for stress-free pet insurance.

  • Policy Highlights: Covers accidents, illnesses, hereditary conditions, and prescription medications with no payout limits. Features a unique direct-to-vet payment system to eliminate upfront costs
  • Age Limits: Coverage starts at 8 weeks with no upper age limit
  • Coverage Limit: Unlimited lifetime coverage with no caps
  • Annual Deductible: Per-condition deductible ranging from $0 to $1,000
  • Reimbursement Rate: 90% reimbursement on eligible expenses
  • Waiting Period: 5 days for accidents, 30 days for illnesses
  • Direct Vet Pay: Available at participating veterinarians

Pros

Cons

Direct vet payment option eliminates upfront costs

30-day waiting period for illnesses is longer than some competitors

Unlimited lifetime coverage with no payout caps

Does not cover routine or preventive care

90% reimbursement rate for all eligible treatments

Higher premiums compared to some other providers.

Customizable per-condition deductible to fit different budgets


Fetch by The Dodo | Best Pet Insurance for Holistic and Alternative Therapies

Fetch offers extensive coverage for both conventional and alternative treatments, including acupuncture, chiropractic care, hydrotherapy, and homeopathy. With no upper age limits, customizable plans, and coverage for exam fees and dental care, Fetch stands out for holistic pet care.

  • Policy Highlights: Covers accidents, illnesses, hereditary conditions, and holistic treatments like acupuncture, chiropractic care, and homeopathy
  • Age Limits: Coverage starts at 6 weeks with no upper age limit
  • Coverage Limit: Customizable, up to $15,000 annual coverage
  • Annual Deductible: Options range from $250 to $500.
  • Reimbursement Rate: Choose from 70%, 80%, or 90%
  • Waiting Period: 15 days for accidents and illnesses; 6 months for orthopedic conditions.
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement.

Pros

Cons

Covers holistic and alternative therapies like acupuncture and chiropractic care

6-month waiting period for orthopedic conditions

No upper age limit for coverage

No direct vet pay option

Customizable plans with flexible deductibles and reimbursement rates

Lower coverage limits compared to some competitors

Covers exam fees and some dental treatments


AKC Pet Insurance | Best Customizable Coverage Pet Insurance

AKC Pet Insurance tailors coverage to purebred dogs, addressing hereditary and congenital conditions. Optional add-ons and wellness coverage allow owners to refine their plan for specific breed needs, ensuring comprehensive care throughout a dog’s life.

  • Policy Highlights: Backed by the American Kennel Club (AKC), offers customizable plans covering accidents, illnesses, and hereditary conditions common in purebred dogs. Optional add-ons include exam fees, wellness care, and breeding coverage
  • Age Limits: Coverage starts at 8 weeks; no upper age limit for enrollment
  • Coverage Limit: Customizable options, including unlimited annual coverage
  • Annual Deductible: Ranges from $100 to $1,000.
  • Reimbursement Rate: Choose from 70%, 80%, or 90%
  • Waiting Period: 14 days for illnesses, 2 days for accidents, 180 days for orthopedic conditions.
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement.

Pros

Cons

Customizable plans tailored to specific pet needs

180-day waiting period for orthopedic conditions

Covers hereditary and congenital conditions, ideal for purebred dogs

No direct vet pay option

Optional add-ons for exam fees, wellness care, and breeding coverage

Routine care coverage requires an additional plan

Multi-pet discount available


Bivvy | Best Budget-Friendly Pet Insurance

Bivvy offers budget-friendly coverage with a flat-rate approach for accidents and illnesses. Its simplified model provides essential protection without the complexity—or higher cost—of more extensive plans.

  • Policy Highlights: Offers simple, low-cost coverage for accidents and illnesses with a flat-rate premium regardless of pet age or breed. Designed for pet owners seeking affordable, no-frills protection
  • Age Limits: Coverage starts at 8 weeks with no upper age limit
  • Coverage Limit: $1,000 per year, lower than most competitors
  • Annual Deductible: Fixed at $250
  • Reimbursement Rate: 50% reimbursement on covered expenses
  • Waiting Period: 14 days for accidents and illnesses, 1 year for hereditary conditions
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement.

Pros

Cons

Flat-rate, low-cost premiums for all pets

Low annual coverage limit ($1,000 per year)

No upper age limit, making it accessible for senior pets

Only 50% reimbursement rate, significantly lower than competitors

Optional add-ons for exam fees, wellness care, and breeding coverage

1-year waiting period for hereditary conditions

Simple, straightforward coverage with minimal exclusions


Bivvy | Best Budget-Friendly Pet Insurance

Bivvy offers budget-friendly coverage with a flat-rate approach for accidents and illnesses. Its simplified model provides essential protection without the complexity—or higher cost—of more extensive plans.

  • Policy Highlights: Offers simple, low-cost coverage for accidents and illnesses with a flat-rate premium regardless of pet age or breed. Designed for pet owners seeking affordable, no-frills protection
  • Age Limits: Coverage starts at 8 weeks with no upper age limit
  • Coverage Limit: $1,000 per year, lower than most competitors
  • Annual Deductible: Fixed at $250
  • Reimbursement Rate: 50% reimbursement on covered expenses
  • Waiting Period: 14 days for accidents and illnesses, 1 year for hereditary conditions
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement.

Pros

Cons

Flat-rate, low-cost premiums for all pets

Low annual coverage limit ($1,000 per year)

No upper age limit, making it accessible for senior pets

Only 50% reimbursement rate, significantly lower than competitors

Optional add-ons for exam fees, wellness care, and breeding coverage

1-year waiting period for hereditary conditions

Simple, straightforward coverage with minimal exclusions


Bivvy | Best Budget-Friendly Pet Insurance

Bivvy offers budget-friendly coverage with a flat-rate approach for accidents and illnesses. Its simplified model provides essential protection without the complexity—or higher cost—of more extensive plans.

  • Policy Highlights: Offers simple, low-cost coverage for accidents and illnesses with a flat-rate premium regardless of pet age or breed. Designed for pet owners seeking affordable, no-frills protection
  • Age Limits: Coverage starts at 8 weeks with no upper age limit
  • Coverage Limit: $1,000 per year, lower than most competitors
  • Annual Deductible: Fixed at $250
  • Reimbursement Rate: 50% reimbursement on covered expenses
  • Waiting Period: 14 days for accidents and illnesses, 1 year for hereditary conditions
  • Direct Vet Pay: Not available; owners must submit claims for reimbursement.

Pros

Cons

Flat-rate, low-cost premiums for all pets

Low annual coverage limit ($1,000 per year)

No upper age limit, making it accessible for senior pets

Only 50% reimbursement rate, significantly lower than competitors

Optional add-ons for exam fees, wellness care, and breeding coverage

1-year waiting period for hereditary conditions

Simple, straightforward coverage with minimal exclusions



ABOUT THE AUTHOR | Sa El

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 16 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.