Having multiple pets can quickly stretch your budget, and that’s where the value of multi-pet insurance becomes apparent. We’ve looked at the best multi-pet insurance policies by assessing factors like the number and types of pets covered, pet age limits, cost-efficiency, and the availability of multi-pet discounts. Here are our top choices for the best in multi-pet insurance in 2025.
Best Multi-Pet Insurance Options
- 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
Figo Pet Insurance: Best for Unlimited Coverage
Figo Pet Insurance stands out as a top choice in the market, offering an appealing unlimited coverage option in addition to a 100% reimbursement choice (though customers can’t have both in the same plan). Figo tends to be an affordable option; and offers a 5% discount for enrolling multiple pets. Costco members can get a 15% discount on Figo policies.
Figo also goes beyond standard options, with “Powerups” for an extra cost. Wellness add-ons can help with routine vet expenses like exams and vaccinations. The Extra Care Pack provides unique perks like help with lost pet advertising, coverage of burial and cremation costs, reimbursement for boarding fees, and support if your pet is lost or stolen. Veterinary Exam Fees can also be selected to help pay for vet visits.
To streamline pet management, Figo provides the “Pet Cloud” mobile app. This app gives owners access to their pet’s vet records, manages any outstanding claims, and even offers a live 24/7 vet chat.
To qualify for a Figo Pet Insurance policy, pets must be a minimum of 8 weeks old. While there’s no maximum age, the company directs owners of dogs 8+ years and cats 10+ years to adhere to vet guidelines on senior testing.
Lemonade Pet Insurance: Best for Customizability
Lemonade offers a complete insurance experience, providing options for renters, homeowners, auto, term life, and pet insurance. Clients looking for multi-faceted policies could save 10% when bundling with Lemonade’s other products. Additionally, a multi-pet discount of 5% exists, as well as a 5% discount on enrolling in the annual payment plan. These discounts, coupled with Lemonade’s usually low premiums, makes this one of the cheapest pet insurance companies.
Lemonade’s real strength is its customizability. The base plan includes coverage for testing, procedures, and medication. Customers can add riders to this basic plan to increase coverage, such as vet visit fees, dental illnesses, and behavioral issues. This level of personalization gives individual pet owners more control over their monthly costs and the coverage they need. If you have several pets, each could have an insurance policy right for them using this method.
Lemonade has a mobile app that simplifies the claims process, with a video claim filing option, helping customers file quickly. Customer reviews state claims can be approved in minutes. Lemonade is available in 38 states and can cover procedures, emergency care, medication, blood work and CT scans. It offers preventative options to reduce the cost of routine care.
Pumpkin Pet Insurance: Best for Senior Pets
Pumpkin Pet Insurance is a strong choice for households with senior pets, as there are no age limits or breed exclusions. It is important to select options that won’t penalize your pets as they age. A 10% multi-pet discount is available. Annual limits for dogs range from $10,000 to unlimited. For cats, yearly limits are $7,000, $15,000, or unlimited. Annual deductibles range from $100 to $1,000, and 90% coinsurance (you pay 10%) is standard.
Pumpkin covers issues that other insurers may not, including parasites, behavioral and hereditary conditions, and dental illness. Coverage can also be extended to include physical therapy and prescription food related to an accident or illness. Pumpkin offers a prevention add-on called Prevention Essentials, which covers routine wellness visits.
Nationwide Pet Insurance: Best for Discounts
Nationwide Pet Insurance is an excellent multi-pet insurance option due to its affordability, low premiums, and discounts. As part of the larger Nationwide network, pet owners can bundle pet insurance with other policies, such as homeowners and auto insurance.
There are no upper age limits or breed restrictions on Nationwide policies. One important detail is that there is an enrollment limit of 10 years. Nationwide does not exclude all pre-existing conditions. For example, if a pet has a “curable” condition like an ear infection, it may be covered if the pet has been symptom-free for six months.
Customers get a 5% multi-pet discount and another 5% discount if they have other Nationwide insurance policies. Nationwide employees receive an additional discount on pet insurance plans.
Spot Pet Insurance: Best for Prescription Foods
Spot Pet Insurance offers a solid 10% multi-pet discount with the choice of accident-only, as well as accident and illness coverage, and offers a preventive care plan. Also, there are no restrictions on choice of veterinarian. Spot can be used with any licensed vet in the United States and Canada.
Spot offers plans for cats starting at $10 monthly, and dog insurance beginning at $16 monthly. Plans are also available with no annual limit or caps on incidents, and you can receive up to 90% cash back on eligible medical expenses.
Spot provides 24/7 telehealth options for pet care. Your pet must be at least eight weeks old with no upper age limit for senior pets. It is important to note that a 14-day waiting period exists before any coverage begins. Spot is an excellent option for prescription foods compared to other pet insurance providers. This applies to eligible conditions if the prescription did not predate the policy.
How to Choose Multi-Pet Insurance
Before committing to any provider, determine if the company offers a multi-pet discount. These usually range from 5% to 10% off. When enrolling, you’ll need to provide your information and information about your pet, such as 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. Most pet insurance companies let you add pets to your policy after enrollment.
Benefits of Multi-Pet Insurance
Cost Savings and Discounts
The main benefit of multi-pet insurance is its cost-effectiveness. Most pet insurance companies offer 5-10% discounts 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.
Simplified Policy Management
Consolidating multiple plans will result in fewer policies to track and a streamlined claims process. You are also less likely to miss a payment. Some companies also have digital tools and mobile apps to organize your pet’s healthcare.
Choosing the Right Multi-Pet Insurance
Your pets are unique, and so are their needs. Find a multi-pet insurance policy that fits those needs. Preexisting conditions and pet age are key factors to consider before moving forward. When comparing providers, compare quotes side-by-side to determine the best option for your pets. Also, be sure to compare policy terms, covered costs, and reimbursement limits. Insurance aggregators, like PetPremium, can generate multiple quotes at once.
When comparing pet insurance providers, take note of exclusions and inclusions, like prescription food coverage. Also, see how the company handles curable pre-existing conditions. Some companies will cover these if the pet has remained symptom- and treatment-free for six months to a year, depending on the provider.
Methodology for Reviewing Multi-Pet Insurance Companies
Many pet insurance companies compete for your business. To choose the best multi-pet insurance companies, we reviewed coverage options, affordability, mobile apps/chat options, optional add-ons, and discounts. We also sought companies that offered benefits as promised and were likely to be around for the life of your pet.
Finding good pet insurance is essential. Your pets are family, and the right policy can provide peace of mind and care options during a medical emergency.
