The 7 Best Pet Insurance for Multiple Pets: 2023

Lemonade Pet Insurance: Most Affordable Plans

Though mainly understood for its house owners and tenants insurance coverage, Lemonade provides thorough family pet insurance coverage strategies. The business has more inexpensive policies than rivals, making it an exceptional option for family pet moms and dads on a spending plan. It likewise has a user-friendly mobile app that enables you to handle your family pet’s health, track your policy protection, check billing and file claims. It provides a 5% discount rate for registering several animals. 

Pros and Cons of Lemonade Pet Insurance

+ 5% discount rate for several animals
+ Two-day waiting duration for mishaps, which is much shorter than lots of rivals
+ 10% discount rate for bundling your family pet insurance coverage with Lemonade home insurance coverage or tenants insurance coverage

— Not available in 15 states
— Doesn’t cover animals over 14 years of ages

Lemonade Pet Insurance Coverage

Lemonade provides one accident-and-illness strategy covering diagnostic tests, hospitalizations, surgical treatment, cancer treatments, damaged bones or sprains, prescription medications and more. Lemonade doesn’t cover pre-existing conditions, behavioral treatments or optional or cosmetic treatments. 

You can personalize your Lemonade protection with the following alternatives: 

• Deductibles: $100, $250 or $500
• Annual protection limitations: $5,000, $10,000, $20,000, $50,000 or $100,000
• Reimbursement rates: 70%, 80% or 90%

To learn more: Lemonade Pet Insurance evaluation

Get your quote: Fill out Lemonade’s online quote form

Spot Pet Insurance: Most Customizable

Spot Pet Insurance provides more adjustable strategies than lots of rivals, with yearly limitation alternatives varying from $2,500 to limitless. It likewise covers some products lots of companies don’t, such as examination costs and microchipping. The business offers a 10% discount rate for multi-pet protection. 

Pros and Cons of Spot Pet Insurance

+ 10% discount rate for several animals
+ Unlimited yearly protection alternative
+ No age limitation for older animals

– 14-day waiting duration, which is longer than some rivals
– No customer support on weekends

Spot Pet Insurance Coverage

Spot provides a low-cost accident-only strategy and a more thorough accident-and-illness strategy. Like other family pet insurance coverage companies, Spot omits pre-existing conditions.

Below are the personalization alternatives Spot provides: 

• Deductibles: $100, $250, $500, $750 or $1,000
• Annual protection limitations: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000 or limitless
• Reimbursement rates: 70%, 80% or 90%

To learn more: Spot Pet Insurance evaluation

Get your quote: Fill out Spot’s online quote form

Embrace Pet Insurance: Our Pick for Savings

Embrace is perfect for family pet moms and dads looking for inexpensive family pet insurance coverage. The business offers significant cost savings opportunities, consisting of a 10% discount rate for each extra family pet, a 5% military discount rate and a 10% discount rate for workers of business that provide Embrace.

The business likewise offers a Healthy Pet Deductible that credits you with $50 towards your co-payment each year you don’t sue. This advantage might reduce your deductible to $0 if your family pet doesn’t need treatment for several years.

Pros and Cons of Embrace Pet Insurance

+ Includes a 10% discount rate for each extra family pet
+ Offers online consumer assistance through live chat
+ Reduces your deductible by $50 each year you don’t sue

– Excludes supplements and prescription food protection
– Includes a $650 yearly limitation for its wellness strategy

Embrace Pet Insurance Coverage

Embrace provides one accident-and-illness strategy covering your family pet’s injuries, diseases, persistent conditions, hip dysplasia and other conditions. It likewise covers alternative treatments, cancer treatments, emergency situation care, surgical treatment, diagnostic treatments, physical treatment and more. Embrace omits pre-existing conditions and optional treatments, to name a few products.

Below are Embrace’s personalization alternatives: 

• Deductibles: $200, $300, $500, $750 or $1,000
• Annual protection limitations: $5,000, $8,000, $10,000, $15,000 or $30,000
• Reimbursement rates: 70%, 80% or 90%

To learn more: Embrace Pet Insurance evaluation

Get your quote: Fill out Embrace’s online quote form

Figo Pet Insurance: Most Flexible Reimbursement Rates

Most business restrict the quantity of a veterinarian expense they’ll repay to 90%, however Figo has an overall repayment alternative of 100%. The company likewise provides limitless yearly advantages and a variety of beneficial add-ons to make your strategy more thorough, such as liability protection for damages or injuries your family pet triggers. Figo consists of a 5% multi-pet discount rate. 

Pros and Cons of Figo Pet Insurance

+ Offers a 5% multiple-pet discount rate
+ Has a one-day waiting duration, which is much shorter than many rivals
+ Doesn’t reject protection based upon aging

– Excludes behavioral treatments from protection
– Requires an extra month-to-month charge for examination cost protection

Figo Pet Insurance Coverage

Figo provides 3 tiers of accident-and-illness protection. Its Essential strategy offers $5,000 of protection each year, while the Preferred strategy provides $10,000. Its Unlimited strategy has no yearly protection caps, so you’ll never ever lack protection.

Figo provides the following personalization alternatives:

• Deductibles: $100, $250, $500, $750
• Annual protection limitations: $5,000, $10,000, limitless
• Reimbursement rates: 70%, 80%, 90%, 100%

To learn more: Figo Pet Insurance evaluation

Get your quote: Fill out Figo’s online quote form

ASPCA Pet Health Insurance: Most Experienced

With more than 15 years of experience, ASPCA Pet Health Insurance is among the most popular companies in the family pet insurance coverage market. It provides several personalization alternatives to fit your requirements and budget plan. It likewise provides a 10% multi-pet discount rate. However, it caps protection at $10,000 annually, which is low compared to other companies.

Pros and Cons of ASPCA Pet Health Insurance

+ Includes a 10% multi-pet discount rate
+ Provides protection for microchipping in every strategy
+ Offers an accident-only strategy at a low month-to-month cost

– Requires a deal cost for month-to-month payments
– Has an optimal yearly protection limitation of $10,000, which is lower than many companies

ASPCA Pet Health Insurance Coverage

ASPCA Pet Health Insurance’s accident-only strategy covers emergency situations associated with mishaps and injuries. Its Complete Coverage Plan covers mishaps, diseases, oral illness, behavioral concerns, genetic conditions, genetic conditions and more. Neither strategy covers pre-existing conditions, breeding expenses or cosmetic treatments.

Here are the personalization alternatives ASPCA provides: 

• Deductibles: $100, $250 or $500
• Annual protection limitations: $3,000, $4,000, $5,000, $7,000 or $10,000
• Reimbursement rates: 70%, 80% or 90%

To learn more: ASPCA Pet Insurance evaluation

Prudent Pet Insurance: Our Pick for Extra Coverage

Prudent Pet offers several levels of protection, consisting of 2 basic strategies plus an extensive strategy with limitless yearly protection. It repays a couple of products rivals usually don’t, such as lost family pet marketing and trip cancellation costs. In addition, Prudent provides a 10% multiple-pet discount rate. 

Pros and Cons of Prudent Pet Insurance

+ Includes a 10% multi-pet discount rate
+ Offers preventive care add-ons at 3 versatile month-to-month rates|
+ Provides 24/7 live veterinarian chat with each strategy

– Has greater strategy rates than lots of rivals
– Doesn’t provide a mobile app, unlike lots of rivals

Prudent Pet Insurance Coverage

Prudent’s Pet’s least expensive family pet insurance coverage strategy is its accident-only strategy, which conceals to $10,000 annually for treatments, treatments, surgical treatments, specialized care and other accident-related expenses.

The business’s Essential Plan integrates accident-and-illness protection with a $10,000 yearly protection limitation and approximately $250 annually for dealing with behavioral conditions. The Ultimate Plan covers whatever in the Essential Plan however with limitless yearly protection and behavioral condition protection of $1,000 annually. 

Prudent Pet Insurance provides the following personalization alternatives:

• Deductibles: $100, $250, $500 or $1,000
• Reimbursement rates: 70%, 80% or 90%

To learn more: Prudent Pet Insurance evaluation

Pets Best Pet Insurance: Our Pick for Senior Pets

Pets Best covers animals of any ages, however it stands apart for its protection of older animals. It has no upper age limitation, so you can enlist your furry friend at any time. Pets Best likewise provides a 10% multi-pet discount rate and protection for recommended prosthetic gadgets and wheelchairs. 

Pros and Cons of Pets Best Pet Insurance

+ 10% multi-pet discount rate
+ No upper age limitations for protection
+ 24/7 Pet Helpline with veterinary professionals

– Claims take approximately thirty days to procedure
– Limited yearly protection cap alternatives (just $5,000 or limitless)

Pets Best Pet Insurance Coverage

Pets Best has a number of protection alternatives. Its accident-and-illness protection, called the BestAdvantage strategy, is available at 3 levels: Essential, Plus and Elite. Each level increases in covered treatments and rates. 

Pets Best likewise provides an accident-only strategy with a $10,000 yearly limitation, $250 deductible and 90% repayment. The accident-only strategy is the most economical alternative, beginning at $6 monthly for cat insurance coverage and $9 monthly for dog insurance coverage.

Below are Pets Best’s personalization alternatives:

• Deductibles: $50, $100, $200, $250, $500, $1000
• Annual protection limitations: $5,000, $10,000, limitless
• Reimbursement rates: 70%, 80% or 90%

Is Pet Insurance Worth It?

Yes, family pet insurance coverage can be worth it, specifically for families with several animals. According to the American Pet Products Association, family pet owners invested a record quantity on their animals in 2021, amounting to $34.3 billion on veterinarian care, surgeries and prescription medications.

Pet insurance coverage expenses substantially less in contrast, balancing $10 to $100 monthly, depending upon your strategy and chosen protection. Most family pet moms and dads can anticipate to pay in between $30 and $50 for dogs and $15 to $30 for cats. The more animals you have, the more you can save by registering them in family pet insurance coverage strategies.

Does a Pet Insurance Plan Have Any Waiting Periods?

All family pet insurance provider consist of a waiting duration prior to protection starts. This is the time in between when you enlist your family pet in a policy and when you’re qualified to make claims for repayment. Waiting durations are indicated to avoid family pet owners from rapidly registering in a policy and getting protection for an injury or health problem that has actually already happened.

Below are the basic waiting durations for family pet insurance coverage strategies: 

• Two days for mishaps 
• 2 week for diseases 
• Six months for cruciate ligament or cranial occasions

Do Pet Insurance Plans Cover Preexisting Conditions?

No, family pet insurance coverage strategies don’t cover pre-existing conditions. Insurance business see animals with these medical conditions as pricey and high-risk financial investments due to the fact that they’re ensured to require veterinary care in the foreseeable future.

However, some business will compare treatable and incurable conditions. They’ll cover treatable conditions with particular specifications, usually if your family pet goes 12 months without signs or treatment.

The Bottom Line: Should I Get Pet Insurance for Multiple Pets?

The more animals you own, the better family pet insurance coverage ends up being. Having more animals implies more prospective mishaps or diseases and more pricey veterinarian expenses. Many leading family pet insurance coverage companies provide discount rates for several animals, making it a much more inexpensive financial investment. When you consider just how much you might need to invest in veterinary care throughout your animals’ life times, family pet insurance coverage is just a little cost to pay.

We advise getting quotes from a minimum of 3 family pet insurance provider to compare their offerings carefully.

Other Pet Insurance Resources

Read more pet insurance coverage resources here:

Methodology: Our System for Ranking the Best Pet Insurance Companies

Our evaluation of family pet insurance provider is based upon thorough market research study that consists of reading numerous consumer evaluations, imitating the quote and acquiring procedure, speaking with agents on the phone to evaluate the customer support experience and surveying 1,000 dog and cat owners across the country to identify the most crucial components of family pet insurance protection.

We scored each company on a 100-point scale based upon those components. We then divided the points made for each company’s last rating on a 5-point scale.

Here are more information about each aspect and how they’re weighted:  

• Monthly rates (25 points): How much each business charges for its family pet insurance coverage strategies is a vital part of a consumer’s choice. The finest family pet insurance provider integrate thorough protection and strategy alternatives with inexpensive rates.
• Plans (15 points): The leading family pet insurance provider provide mishap and health problem strategies, accident-only strategies and health or preventive care add-ons to offer consumers the alternative to pick a strategy that’s finest for their family pet.
• Covered treatments (15 points): With this aspect, we scored business based upon the treatments and treatments they cover. Companies with a breadth of consisted of treatments and distinct protections got more points than companies with more basic or basic policies.
• Customization alternatives (10 points): Customizing your policy is an important method to guarantee you just spend for what your family pet requires. Providers with more annual-limit, deductible and reimbursement-rate alternatives made the greatest ratings.
• Customer care (10 points): We scored business on their website ease of access and general use, customer support schedule, mobile apps (if any), money-back assurances and vet telehealth alternatives, granting indicate the insurance companies with more consumer experience offerings.
• Industry track record (10 points): To identify each business’s market track record, we evaluated updated scores and accreditation info from the Better Business Bureau (BBB) and scored business on their years of experience in the market and their state schedule.
• Waiting durations (10 points): Companies with much shorter mishap, health problem and orthopedic waiting durations in between the sign-up and protection start date scored greater than business with longer waiting durations.
• Eligible age (5 points): Some business don’t provide policies for animals that are over a particular age. We subtracted points from companies that have age limitations for covered animals.

We utilize our score system to compare and contrast each business versus crucial elements to help us identify the very best family pet insurance provider in the market. Additionally, we keep our research study approximately date and review our evaluations regularly.

Alex Hawkins is a devoted author and scientist concentrating on solar, pet insurance coverage and home enhancement. When he isn’t surveying house owners to comprehend their discomfort points or talking to specialists in the markets he covers, Alex can typically be discovered producing videos for his YouTube channel, Analysis with Alex, or participating in a heavy metal program.

Dana Getz is an experienced editor with almost a years of experience writing and modifying material. She has a background in journalism and worked as a fact-checker for distinguished publications such as New York and Chicago. She holds a journalism and marketing degree from Northwestern University and has actually worked throughout various classifications within the home services space.