Pet Insurance for Multiple Pets
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Dr. Pippa Elliott BVMS, MRCVS
Veterinarian
Dr Pippa Elliott BVMS, MRCVS is a veterinarian with over 30 years of experience in companion animal practice. In 1987 she graduated from the University of Glasgow, with a degree in veterinary medicine and surgery. She works at Blythwood Vets and the People’s Dispensary for Sick Animals (PDSA). Pippa is an advocate of Fear-Free Practice, an animal addict, and a veterinary writer. She is also w...
Veterinarian
UPDATED: Dec 19, 2023
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.
UPDATED: Dec 19, 2023
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
On This Page
Pet insurance is an essential part of owning a pet. It can help ease financial burdens in case your pet has an accident or develops an illness.
If you have more than one pet, it becomes even more important to have a policy that protects them in case of an emergency.
Multi-pet policies allow you to bundle both of your pet insurance policies into one. Some providers even offer a discount if you carry both of your policies with them. That is incentive enough to shop around for a company that can meet the needs of you and both your pets.
If you are curious about multi-pet policies and the best companies to shop for them, check out our article below for more information.
Need Pet Insurance?
FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!
Best Multi-Pet Insurance Companies
There are a lot of pet insurance companies out there, but some of them aren’t necessarily the best choice if you have multiple pets. The best companies will offer exceptional protection for all of your pets and offer you a discount for bundling your policies with them.
Here are some pet insurance companies that offer remarkable policies for multiple pets.
- ASPCA: 10% Multi-Pet Discount
- Embrace: 5% Multi-Pet Discount
- Pets Best: 5% Multi-Pet Discount
- PetPartners: 5% Multi-Pet Discount
Related: 10 Things You Must Know Before You Buy Pet Insurance
ASPCA
The ASCPA has a pet insurance program that is administered by C&F Insurance Agency, which has been writing pet insurance since 2006. They are a well-established insurance agency and have been operating in the United States since 1822.
The ASPCA offers a 10% discount for purchasing an insurance policy with multiple pets. You will only be paying one premium for all your pets, which can save you time and money. They recommend registering a single pet and then adding more from there. The 10% discount will apply to every extra pet after your highest premium pet.
The annual limits for the ASPCA’s policies range from $5,000 to $20,000, and they have varying reimbursement rates and deductibles. This allows you to personalize your policy based on your needs and monthly budget. Claims are paid out either through direct deposit or by mailed check. On average, it will take about 14 days to receive reimbursement.
Learn More: Read our full ASPCA review
Embrace
Embrace is a popular pet insurance company that rewards you for bundling your pet insurance with them. They offer their customers a 5% discount for opening a policy with multiple pets. They also give additional discounts if you spay or neuter your pet and if you choose to pay your policy annually rather than monthly.
Their personalized policies provide coverage for accidents, injuries, illnesses, routine coverage, genetic conditions, and more. You can also purchase additional coverages such as routine care and grooming, behavioral therapy, alternative therapy and rehab, and prescription drugs.
Embrace is also known for their top-notch customer service and support. If your pet passes away, an Embrace team member will send you a handwritten note of condolences. This is a level of dedication and care that you won’t get with most insurance companies.
Learn More: Read our full Embrace review
Pets Best
Pets Best is a top-rated pet insurer that currently insures over 100,000 pets across America and has paid over $200 million in claims. Pets Best provides a 5% discount for insuring multiple pets as well as a 5% military discount.
Pets Best offers three customizable plan options: Essential, Plus, and Elite. Essential coverage includes accidents, illnesses, cancer, surgery, hereditary conditions, and emergency care. The Plus and Elite plans would have all of these coverages as well as exam fees covered.
You can personalize coverage on many levels, including adding supplementary coverage and adjusting your deductible. There is also a Supplemental Wellness Coverage program that adds additional treatments and therapies for about $30 per month.
Pets Best utilizes several digital options when it comes to filing your claim. You will need to pay the vet bill up front and then submit a photo of the invoice on their app or upload it online. From there, Pets Best’s team will review and reimburse you accordingly.
Pets Best is ideal for people that have older pets. Many insurance companies won’t accept pets that are older than 12 years old. Pets Best does not have an upper age limit, so you can have your senior animal insured along with your young pet.
Learn More: Read our full Pets Best review
PetPartners
PetPartners, Inc. is a lesser-known pet insurance company, but they are by no means unqualified. They have been offering insurance to pet owners since 2002, and they are the exclusive pet insurance provider for the American Kennel Club (AKC.)
PetPartners, Inc. offers a 5% discount when you insure two or more pets with them, which can help make your monthly payments more manageable. They offer several plans to choose from that have varying deductibles and levels of reimbursement.
Their Companion Care Plan offers accident and illness coverage, but hereditary and congenital conditions are not included. You may be able to add them as a supplementary coverage to your plan. You can also add wellness coverages that include vet visits and preventative care, such as spaying or neutering and dental cleaning.
Like many pet insurance companies, you will need to front the veterinary bill and file a claim for reimbursement. PetPartners, Inc. has a 14-day turnaround time for claims, so you shouldn’t have a terribly long wait before you get a reimbursement check.
Learn More: Read our full PetPartners review
Real Cost Savings from PetFirst Clients
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What is Multi-Pet Insurance?
Pet insurance is an insurance policy that covers the costs resulting from accident, injury, or illness in a pet. Much like health insurance, pet insurance involves levels of reimbursement and deductibles to help remove some of the burden from insurance companies. Multi-pet insurance is simply pet insurance that covers multiple pets. If you purchase multiple policies, such as for two dogs or cats, you could get a discount.
Multi-pet policies offer the same type of coverage that you would receive with a single pet policy. These policies include all of the animals in your household under one roof, which makes it easier to keep up with paperwork and payments. In addition to standard coverage, they can also help cover lost pet costs, third party liability, wellness coverage, and vet bills for accidents and illnesses.
Multi-pet insurance policies create a safety net that can protect you financially if one or more of your pets experiences an injury or illness. Vet bills can be extremely high, so pet insurance helps prevent you from having to put your pet down because you can’t afford medical treatment.
Is Multi-Pet Insurance Best for You?
Pets bring so much love to your life. It’s no wonder why you would want more than one. When your household consists of multiple pets, it’s your job to give them all equal levels of love and care. That is where multi-pet insurance policies can really come in handy.
Insuring multiple pets involves evaluating the health needs of each pet and choosing a company and policy that can accommodate those needs. Discounts are a wonderful bonus, but at the end of the day, it’s all about having the right coverage in case something happens.
Other articles you may find helpful:
Is Exotic Pet Insurance Necessary?
The Best Pet Insurance By State
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Pet insurance is similar to other insurances but does have some major differences as compared to your health insurance. Below you will find a definitive list of frequently asked pet insurance questions to help in your decision.
Types of Pet Insurance Coverage
Comprehensive Pet Insurance Explained
Insurance vs. Wellness Pet Insurance Plans
Is Pet Dental Insurance Worth the Extra Cost
Best Pet Insurance Plans with Shortest Waiting Periods
Pet Insurance Coverage Exclusions and Limits
Pet Insurance Benefit Limits Explained
How to Make a Claim on your Pet Insurance
Is my Pet too Old for Pet Insurance Coverage
Top Reasons to Purchase Pet Insurance
How much does Pet Insurance Cost
Pet Insurance for Multiple Pets
Pet Insurance that Covers Spaying and Neutering
Does Pet Insurance Cover Shots
Pet Insurance with Pre-Existing Conditions
Frequently Asked Questions
What is multi-pet insurance, and why is it important for pet owners with more than one pet?
Multi-pet insurance is a policy that covers multiple pets under a single plan. It is crucial for pet owners with more than one pet as it simplifies paperwork and payments while providing coverage for accidents, injuries, illnesses, and other veterinary expenses.
Do multi-pet insurance policies offer the same coverage as single-pet policies?
Yes, multi-pet insurance policies offer the same type of coverage as single-pet policies. They include standard coverage for all pets in your household, making it easier to manage their healthcare needs.
Are there discounts available for multi-pet insurance policies?
Yes, many insurance providers offer discounts for insuring multiple pets. These discounts can help pet owners save on premiums and make monthly payments more manageable.
Which pet insurance companies are recommended for multiple pets?
Some recommended pet insurance companies for multiple pets include ASPCA, Embrace, Pets Best, and PetPartners. These companies offer discounts for insuring multiple pets and provide comprehensive coverage.
How does the ASPCA handle multi-pet insurance, and what discounts do they offer?
The ASPCA offers a 10% discount for purchasing an insurance policy with multiple pets. You pay one premium for all your pets, and the discount applies to each additional pet after your highest premium pet.
What discount does Embrace offer for multi-pet insurance, and what additional benefits do they provide?
Embrace offers a 5% discount for opening a policy with multiple pets. They also provide additional discounts for spaying/neutering and annual payments. Embrace is known for its personalized policies, covering accidents, injuries, illnesses, routine care, and more.
Does Pets Best offer any discounts for insuring multiple pets, and what is unique about their coverage?
Pets Best provides a 5% discount for insuring multiple pets and an additional 5% military discount. They offer customizable plans, including coverage for accidents, illnesses, cancer, surgery, hereditary conditions, and emergency care.
How does PetPartners handle multi-pet insurance, and what plans do they offer?
PetPartners offers a 5% discount for insuring two or more pets. They provide various plans with different deductibles and levels of reimbursement, including accident and illness coverage. PetPartners is known for its quick 14-day turnaround time for claims.
Is multi-pet insurance suitable for households with older pets?
Yes, multi-pet insurance can be suitable for households with older pets. Pets Best, for example, does not have an upper age limit, allowing coverage for both senior and young pets.
What benefits do pet insurance policies provide, and is it worth investing in them?
Pet insurance policies provide financial protection against high vet bills, covering accidents, illnesses, and other veterinary expenses. Whether it’s worth investing depends on individual circumstances and the health needs of your pets.
Enter your ZIP code below to view companies that have cheap pet insurance rates.
Secured with SHA-256 Encryption
Dr. Pippa Elliott BVMS, MRCVS
Veterinarian
Dr Pippa Elliott BVMS, MRCVS is a veterinarian with over 30 years of experience in companion animal practice. In 1987 she graduated from the University of Glasgow, with a degree in veterinary medicine and surgery. She works at Blythwood Vets and the People’s Dispensary for Sick Animals (PDSA). Pippa is an advocate of Fear-Free Practice, an animal addict, and a veterinary writer. She is also w...
Veterinarian
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.