Best Multi-Pet Insurance (2026)
Spot and Pets Best are two of the best pet insurers, and both offer a multi-pet discount between 5% and 10%.
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Written byJamie Johnson
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Jamie JohnsonInsurance and Personal Finance Writer
6 years experience in personal finance writing
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Evelyn PimplaskarEditor-in-Chief, Director of Content
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30+ years in media, PR, and content creation
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More than 90 million American households have non-human family members, according to the American Pet Products Association.[1] And many people don’t stop at just one pet — on average, American households with pets have more than one at a time.[2]
More pets can mean more love and fun, but they also come with greater expenses, like higher monthly pet insurance premiums. The good news is, most pet insurance companies offer a multi-pet discount of 5% to 10% when you purchase coverage for more than one pet.
And comparing quotes from multiple insurers is the best way to find the best option for pet insurance.
Quick Facts
Spot, Pets Best, and ASPCA are some of the best pet insurance companies.
The best pet insurance plans cover accidents, illnesses, and hospitalizations, and some offer preventive care add-ons.
The exact cost of pet insurance will depend on your insurance company and your pet’s species and breed.
Best insurance companies for multiple pets
Pet owners have many pet insurance companies to choose from. To help you identify the insurer that’s right for your pets, Insurify sought actual quotes from 14 different insurers and found six that are best for people with multiple pets.
Company  | Average Monthly Cost for Two Dogs | Average Monthly Cost for Two Cats | Multi-Pet Discount |
|---|---|---|---|
| Spot Pet Insurance | $75 | $35 | 10% |
| Pets Best | $35 | $23 | 5% |
| Healthy Paws Pet Insurance | $87 | $33 | 5% |
| ASPCA Pet Insurance | $45 | $20 | 10% |
| Figo Pet Insurance | $45 | $19 | 5% |
| Paw Protect | $90 | $60 | 10% |
Actual quotes may vary based on user profile.
Pets Best: Best reimbursement rate
| Reimbursement Rates | 70%–90% |
|---|---|
| Deductibles The amount you must pay towards a covered event before your coverage kicks in. | $50–$1,000 |
| Payout Limits The maximum amount your provider will pay for covered events. | $5,000–Unlimited(Annual Maximum) |
| Waiting Periods | Varies by state |
Mixed Breed Dog
$74/mo
Purebred Dog
$72/mo
Cat
Prices based on average across all available cat breeds and locations
$28/mo
Why we picked this company
Average cost for two dogs: $34
Average cost for two cats: $22
Multi-pet discount: 5%
Pets Best offers coverage for unexpected accidents, illnesses, and routine care, and your pet can visit any licensed vet in the U.S. or Canada. Not only does Pets Best offer various coverages, but its rates also tend to be more affordable than what other insurers offer.
You can file and manage your claims directly through the mobile app. And once you file your claim, you can have Pets Best pay your vet directly, so you don’t have to pay an expensive vet bill out of pocket and wait for reimbursement.
Pros
Offers three different tiers of accident and illness coverage
Will reimburse your vet directly
Cons
Doesn’t cover alternative therapies
Has a waiting period for orthopedic issues
Healthy Paws: Best for unlimited coverage
| Reimbursement Rates | 50%–90% |
|---|---|
| Deductibles The amount you must pay towards a covered event before your coverage kicks in. | $250–$1,000 |
| Payout Limits The maximum amount your provider will pay for covered events. | Unlimited(Annual Maximum) |
| Waiting Periods | Varies by state |
Mixed Breed Dog
$58/mo
Purebred Dog
$78/mo
Cat
Prices based on average across all available cat breeds and locations
$41/mo
Why we picked this company
Average cost for two dogs: $87
Average cost for two cats: $33
Multi-pet discount: 5%
Healthy Paws pet insurance is best for pet owners who want protection against unexpected illnesses or injuries. The company provides one plan that covers injuries, cancer, genetic conditions, emergency care, and more.
Unlike many pet insurance companies, Healthy Paws doesn’t put any per-incident, annual, or lifetime caps on payouts. And according to the company, it processes most claims within two days.
Pros
Processes claims quickly
No per-incident, annual, or lifetime caps on coverage
Cons
Doesn’t offer the most affordable coverage
Only offers one plan
ASPCA: Best for alternative coverages
| Reimbursement Rates | 70%–90% |
|---|---|
| Deductibles The amount you must pay towards a covered event before your coverage kicks in. | $100–$500 |
| Payout Limits The maximum amount your provider will pay for covered events. | $2,500–Unlimited(Annual Maximum) |
| Waiting Periods | 14 daysAccident and illness |
Mixed Breed Dog
$50/mo
Purebred Dog
$46/mo
Cat
Insurify does not have data available at this time
N/A
Why we picked this company
Average cost for two dogs: $45
Average cost for two cats: $20
Multi-pet discount: 10%
ASPCA Pet Health Insurance allows you to create a customized plan to meet your pets’ needs. A complete coverage plan includes accidents, illnesses, and hereditary issues. The plan also covers alternative therapies, like acupuncture and stem cell treatments, and behavioral therapy.
But if you’re looking for ways to save or don’t need that much coverage, you can choose an accident-only plan. This plan covers accidents related to bites, swallowed objects, or torn ligaments but won’t provide coverage for illnesses.
Pros
Offers a 30-day money-back guarantee
Provides coverage for hereditary conditions
Cons
Claims can take up to 30 days to process
Won’t reimburse your vet directly
Figo: Best for pre-existing conditions
| Reimbursement Rates | 70%–100% |
|---|---|
| Deductibles The amount you must pay towards a covered event before your coverage kicks in. | $100–$750 |
| Payout Limits The maximum amount your provider will pay for covered events. | $5,000–Unlimited(Annual Maximum) |
| Waiting Periods | 14 daysFor illness |
Mixed Breed Dog
$47/mo
Purebred Dog
$71/mo
Cat
Prices based on average across all available cat breeds and locations
$14/mo
Why we picked this company
Average cost for two dogs: $45
Average cost for two cats: $19
Multi-pet discount: 5%
Figo Pet Insurance covers illnesses, accidents, cancer, and chronic conditions. If you pay for the optional wellness coverage, you’ll get reimbursement for yearly exams, vaccines, and diagnostic tests.
Figo advertises that it processes claims and reimbursements quickly — according to the company, most claims close within three days. And Figo may cover your pet’s curable pre-existing condition if it hasn’t shown any signs or symptoms for the past 12 months.
Pros
No age limit for insuring pets
Covers some curable pre-existing conditions
Cons
Won’t pay your vet directly
Doesn’t offer an accident-only plan or wellness package
Paw Protect: Best for no up-front vet bills
| Reimbursement Rates | |
|---|---|
| Deductibles The amount you must pay towards a covered event before your coverage kicks in. | |
| Payout Limits The maximum amount your provider will pay for covered events. | (Annual Maximum) |
| Waiting Periods |
Mixed Breed Dog
Insurify does not have data available at this time
N/A
Purebred Dog
Insurify does not have data available at this time
N/A
Cat
Insurify does not have data available at this time
N/A
Why we picked this company
Average cost for two dogs: $90
Average cost for two cats: $60
Multi-pet discount: 10%
Paw Protect provides coverage for hereditary conditions, routine wellness, cancer, other chronic conditions, and dental illnesses. And the pet health line gives you 24/7 access to veterinary experts who can answer your questions and make recommendations for your pets.
Paw Protect offers every customer a $2,000 interest-free credit line you can use to pay for vet bills. This credit line helps you avoid having to pay hefty vet bills out of pocket.
Pros
Provides a 24/7 pet health line
Offers a $2,000 credit line so you don’t have to pay vet bills up front
Cons
Waiting period for orthopedic conditions
Maximum age limit of 14 years for accident and illness coverage and 15 years for accident-only
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How multi-pet insurance works
Multi-pet insurance isn’t much different from pet insurance for one pet — you’re just adding multiple pets to a single policy. Depending on the pet insurance company, a multi-pet policy may cover:[3]
Accidents related to swallowed objects, broken bones, and cuts
Treating illnesses and diagnostic testing
Prescription medications for one-time and ongoing conditions
Emergency care, including an overnight hospitalization following surgery
Breed-specific and genetic conditions
Add-on preventive care for routine exams and vaccinations
Good to Know
Pet insurance plans have a waiting period during which your pet’s coverage isn’t active yet. This prevents pet owners from signing up for insurance after something happens to their pet. Waiting periods are usually two to 14 days for accidents and 14 to 30 days for illnesses.[4]
Customizing your policy for each pet
Many pet insurance companies let you create customized plans for each of your pets. For example, you can modify the coverage limits, deductible, and reimbursement percentage for each pet. This can help you control the costs and make your coverage more affordable.
You can also think about the types of coverage each pet might need based on their age, species, breed, and other risk factors. You should also consider common health conditions associated with your pet’s breed.
Cost of insuring multiple pets
The average cost of pet insurance is $63 per month for two dogs and $32 per month for two cats, based on Insurify research. You can lower these costs by taking advantage of multi-pet discounts and comparing quotes from multiple insurers.
Factors that affect the cost of multi-pet insurance
Most insurance plans will give you a discounted rate for insuring more than one pet. Here are some of the biggest factors that affect the cost of multi-pet insurance plans:
Species
Different species have different costs to insure. Most pet insurance companies cover dogs and cats, and it costs more to insure dogs. Roughly 85% of all pet insurance policies cover dogs, and 15% cover cats.[5]
Breed
Some breeds are predisposed to developing certain injuries or illnesses, so they may cost more to insure.[5]
Age
Your pet’s age can also influence pet insurance costs, and some companies have an upper age limit for insuring pets.
Multiple pet insurance FAQs
Pet insurance gets more expensive when you have multiple pets, but it’s possible to get affordable pet coverage. Here’s some additional information about multi-pet insurance.
What is the discount for insuring multiple pets?
Most pet insurance companies offer a discount of 5% to 10% for insuring multiple pets, according to Insurify research. Some companies, like Nationwide Pet Insurance, have a bigger discount if you insure more than four pets. The first pet is typically insured at full price, and you’ll receive a discount for additional pets.
Can you get pet insurance if your pet is already sick?
You can buy pet insurance to cover future illnesses and injuries. But if your pet is already sick, that specific illness is a pre-existing condition that pet insurance likely won’t cover.
Should you take out two pet insurance policies?
It’s not illegal to purchase more than one pet insurance policy, but most insurance companies advise against it. Not only are you paying for two separate policies, but you could have problems when you need to file a claim.
Is pet insurance worth it with multiple pets?
Yes, pet insurance is actually more important if you have multiple pets because your odds of expensive vet bills increase significantly. Pet insurance can protect you from pet care costs becoming a financial burden.
Sources
- Pet Industry Market Size, Trends and Ownership Statistics. "American Pet Products Association."
- American Veterinary Medical Association. "U.S. Pet Ownership Statistics."
- American Animal Hospital Association. "How Does Pet Insurance Work?."
- Illinois Department of Insurance. "Pet Health Insurance."
- North American Pet Health Insurance Association. "NAPHIA’s Pet Insurance Buying Guide."
Methodology
Insurify data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Insurify’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of eight quotes is required for dogs and four quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
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Jamie JohnsonInsurance and Personal Finance Writer
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Featured in
