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Multi-Pet Insurance Plans


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Multiple Pet Discounts


There are 12 pet health insurance companies in the U.S. and we broke down which companies are multiple-pet-friendly and which offer discounts for pet owners with two or more four-legged family member.

Company Multi-Pet Plan? Multi-Pet Discount?

 

Healthy Paws Pet Insurance

 

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Yes

 

No

 

Veterinary Pet Insurance

 

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Yes

 

5%

 

Embrace Pet Insurance

 

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Yes

 

5% per pet

 

Petplan Pet Insurance

 

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No

 

No

 

Pets Best Insurance

 

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Yes

 

5%

 

Trupanion Pet Insurance

 

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Yes

 

No

 

ASPCA Pet Insurance

 

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Yes

 

10%

 

PetFirst Pet Insurance

 

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Yes

 

No

 

PetPremium Pet Insurance

 

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Yes

 

10%

 

AKC Pet Insurance

 

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Yes

 

No

 

24PetWatch Pet Insurance Logo

 

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Yes

 

No

Source: Pet Insurance Companies

Some companies offer a 5% discount when you add more than one pet. Other companies offer a 10% discount for multiple pet customers. While that might not seem like a lot, consider this. The average single-dog insurance plan costs $32 per month for full coverage. So if you have two dogs you would save $38.40 per year with a 5% discount and $76.80 per year with a 10% multi-pet discount, respectively.

One cat, two cat, three cat, blue cat. If you have more than one pet then you want a pet insurance plan that accommodates multiple pets. The good news is that most companies have plans for multiple pets... some companies even offer discounts for multi-pet customers! And don't worry, if you have a dog and a cat or three cats, these companies can handle any combination that makes up your unique pet family.


Multi-Pet Statistics


Why settle for one pet when you can have double, triple, or even quadruple the love? Pets bring so much unconditional happiness that it's hard not to adore them or want more than one in your life. Whether your multi-pet household consists of dogs, cats, or a combination of both, it's your job to provide them with the things that they need to live long, healthy, and happy lives. Ensuring that your pets have proper health care is one of these things, which is why it's so important to have quality pet insurance. For multiple pets, you'll need a plan that not only offers top coverage but one that will also offer discounted rates if possible. Multiple-pet insurance plans are just what you're looking for.

Multiple pet families are very common. In fact, 20% of our visitors are multi-pet customers, which is consistent with national statistics. If you have multiple pets it's best to choose a company that is accommodating. We also believe that putting all of your pets with one company is the best solution. Sometime pet owners get too fancy and try to match a different company with each pet or enroll a 2nd pet with a different company. Based on our experience it's always best to enroll all of your pets with one company. This will make your life easier with regarding to billing and claims.


What Is a Multi-Pet Plan?

Multiple-pet insurance allows people who own more than one pet to include them all under one policy. This type of insurance is a simple way to reduce the amount of paperwork you'll have to deal with, making it easier to manage. It can also be used to cover more than one type of pet, which means if you have a cat and a dog, they can both go under the same policy. Although a majority of insurance companies offer this type of plan, there are some that do not.


Benefits of Multiple-Pet Insurance

There are a number of benefits that come from having all of your pets on the same policy. For example, you'll only have one monthly or annual premium to pay as opposed to receiving a bill for each pet. Some pet insurance providers also offer discounts for people who sign up for this type of pet insurance. Multiple pets in a household can be great fun, but they can also be expensive. Although the published data on the estimated annual amount spent on veterinary care per cat or dog varies, the 2015-16 APPA National Pet Owners Survey stated that it is potentially more than $1,200, though the latest AVMA Sourcebook estimated that it's as low as $150. For that reason, it is important to research and compare multiple-pet insurance plans, as the discount amount varies depending on the insurer. Our multi-pet comparison chart lets you review all 12 pet insurance providers to see who offers pet insurance for multiple dogs and cats and whether those plans offer discounts.


What Do They Cover, and How Do They Work?

There is very little difference in the way that pet insurance for multiple pets works compared to other plans. Payments for covered treatments are reimbursed to the pet owner by the insurance company after a claim is received and processed. Because covered treatments and exclusions vary by provider and plan, it is important to conduct thoughtful research before you enroll. Additionally, the maximum number of pets that may receive coverage under a single policy may also differ from one insurer to the next.

Ideally, you should buy insurance as early as possible, provided that your pets meet minimum age requirements. This will ensure that they have proper medical coverage when they need it. Before you enroll in a plan for multiple pets, use PetInsuranceQuotes.com to get free quotes. By comparing insurers, you're more likely to select the best and most affordable plan for your family.


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