--- title: "Best Pet Insurance For Multiple Pets In 2026" canonical: "https://www.simplyinsurance.com/best-pet-insurance-for-multiple-pets/" description: "Find the best pet insurance for multiple pets by comparing plans that offer multi-pet discounts and solid coverage for every animal." silo: "pet" published: "2026-05-21" updated: "2026-07-20" author: "sa-el" source: "Simply Insurance" --- As a fellow pet parent, I’m sure you can agree that finding the[**best pet insurance for multiple pets**](https://www.simplyinsurance.com/compare-pet-insurance-quotes-online/)would be beneficialbecause 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? Odie Pet Insurance is the best choice for multiple pets, offering multi-pet discounts, comprehensive coverage, and affordable premiums. ASPCA Pet Health Insurance is another strong option, and most of the providers below offer a multi-pet discount too. **The [Best Pet Insurance For Multiple Pets In 2026](https://www.simplyinsurance.com/compare-pet-insurance-quotes-online/) is Odie Pet Insurance which offers multi-pet discounts, comprehensive coverage, and affordable premiums.** Other top providers include ASPCA Pet Health Insurance, Figo, and Spot. These companies cover accidents, illnesses, and routine care while offering savings for insuring multiple pets. ## Best Pet Insurance Companies for Multiple Pets Reviewed These are the companies we compared for multi-pet households, with each one's multi-pet discount from the comparison table below (which also lists coverage amounts, deductibles, and reimbursement options). - **Healthy Paws** – no multi-pet discount - **Pets Best** – 5% multi-pet discount - **Trupanion** – no multi-pet discount - **Nationwide** – 5% multi-pet discount - **Figo** – 5% multi-pet discount - **ASPCA Pet Health Insurance** – 10% multi-pet discount - **Fetch by The Dodo** – 10% multi-pet discount - **Prudent Pet** – 10% multi-pet discount - **Spot** – 10% multi-pet discount - **TrustedPals Pet Insurance** – 5% multi-pet discount - **Embrace** – 10% multi-pet discount - **AKC Pet Insurance** – roughly 5-10% multi-pet discount - **Bivvy** – no multi-pet discount - **Pumpkin** – 10% multi-pet discount - **Many Pets** – 15% multi-pet discount - **GEICO Pet Insurance** – 10% multi-pet discount ### Multi-Pet Insurance Plan Comparison Table (2025) Company | Coverage Amounts | Deductible Options | Reimbursement Options | Multi-pet Discount --- | --- | --- | --- | --- 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% 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.) ### Pet Insurance Providers: Multi-Pet Coverage & Discounts Company | Multi-Pet Coverage | Multi-Pet Discount --- | --- | --- 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? Multiple pet insurance averages around $77 per month, or about $922 per year, with most families paying between $59 and $112 monthly depending on your pets and coverage choices. **The average cost of [Best Pet Insurance In Georgia For Cats & Dogs!](https://www.simplyinsurance.com/best-pet-insurance-georgia/) 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. **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 --- | --- 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% 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. **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. 2. **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. 3. **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 plan is usually worth it if you have more than one pet, since insuring them together often unlocks discounts and keeps billing simple under one account. **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. **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! ## What Are Multiple Pet Insurance Plans? Multiple pet insurance plans let you cover all your pets under one policy, usually at a discounted rate, instead of buying separate plans for each animal. 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. ## 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, 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. Insurer claims data puts the average cost of a common dog treatment at about $254 and a cat treatment at about $267. #### **Most Common Pet Insurance Claims for Cats** Ran k | 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 Ran k | 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 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 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. ## How Many Pets Can You Have on Pet Insurance? Most providers let you add several pets to one plan, though some cap enrollment at five or ten. If you exceed the limit, ask about separate plans or special accommodations. **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.