Insuring Multiple Pets
If you share your home with more than one pet, you know that veterinary costs multiply quickly. The good news is that many pet insurance providers offer multi-pet discounts that can make insuring all your furry family members more affordable.
Best Multi-Pet Insurance Providers
ASPCA Pet Insurance: Offers a 10% discount when you insure multiple pets. Each pet gets their own policy with customizable coverage, so you can tailor plans to each pet's specific needs.
Embrace: Provides a 5-10% multi-pet discount and allows different coverage levels for each pet. Their wellness plan can be added individually.
Lemonade Pet: While they do not offer a traditional multi-pet discount, their low base prices make insuring multiple pets very affordable.
Money-Saving Strategies for Multiple Pets
- Use the same provider: Multi-pet discounts can save 5-10% per pet
- Adjust coverage by pet: Your young, healthy cat might only need basic coverage while your older dog needs comprehensive
- Bundle wellness plans: Some providers offer discounted wellness add-ons for additional pets
- Pay annually: Annual payment discounts applied to multiple pets compound the savings
Managing Multiple Policies
When insuring multiple pets, organization is key. Keep each pet's policy documents, claim history, and vet records separate and easily accessible. Most providers allow you to manage all your pets' policies through a single online account, making it easy to file claims and track coverage.
Cost Comparison: Multiple Pets
For a household with one dog and one cat, expect to pay $40-$70/month total for comprehensive coverage with multi-pet discounts. Without discounts, the same coverage might cost $50-$80/month. Over a year, multi-pet discounts can save you $100-$150.