The best pet insurance company for multiple pets is Lemonade, combining affordable rates with excellent customer service and flexible coverage options. Pets Best, Pumpkin and Spot are also great choices worth looking into.
Best Pet Insurance For Multiple Pets
Updated: August 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lemonade offers the best pet insurance for multiple pets nationwide, earning scores of 4.75 out of 5.0 for dogs and 4.40 out of 5.0 for cats in MoneyGeek's study.
The cheapest multi-pet insurance costs $15 monthly for cats from Pumpkin and $39 monthly for dogs from Lemonade.
Getting the best cheap multi-pet insurance requires assessing each pet’s coverage needs, comparing multiple providers and understanding discount structures.
What Are the Best Multiple Pet Insurance Companies?
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Lemonade | 4.75 | $463 | 2 | 3 |
| Pets Best | 4.3 | $611 | 4 | 1 |
| Pumpkin | 4.15 | $493 | 2 | 8 |
| Spot | 4.05 | $616 | 1 | 5 |
| ASPCA | 4.05 | $522 | 5 | 5 |
Best Multi-Pet Insurance By State
Lemonade comes out ahead in 39 states for the best multi-pet insurance. Expect to pay an average between $154 and $597 annually, depending on your state.
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Alabama | Lemonade | $340 |
| Alaska | Pets Best | $595 |
| Arizona | Lemonade | $563 |
| Arkansas | Lemonade | $310 |
| California | Lemonade | $586 |
| Colorado | Lemonade | $583 |
| Connecticut | Lemonade | $529 |
| Delaware | Pets Best | $615 |
| Florida | Lemonade | $524 |
| Georgia | Lemonade | $418 |
| Hawaii | Pets Best | $618 |
| Idaho | Pets Best | $611 |
| Illinois | Lemonade | $573 |
| Indiana | Lemonade | $419 |
| Iowa | Lemonade | $389 |
| Kansas | Pets Best | $554 |
| Kentucky | Pets Best | $484 |
| Louisiana | Lemonade | $373 |
| Maine | Pets Best | $742 |
| Maryland | Lemonade | $454 |
| Massachusetts | Lemonade | $597 |
| Michigan | Lemonade | $464 |
| Minnesota | Lemonade | $480 |
| Mississippi | Lemonade | $394 |
| Missouri | Lemonade | $365 |
| Montana | Lemonade | $388 |
| Nebraska | Lemonade | $418 |
| Nevada | Lemonade | $480 |
| New Hampshire | Lemonade | $537 |
| New Jersey | Lemonade | $523 |
| New Mexico | Lemonade | $408 |
| New York | Lemonade | $504 |
| North Carolina | Lemonade | $412 |
| North Dakota | Lemonade | $356 |
| Ohio | Lemonade | $425 |
| Oklahoma | Lemonade | $387 |
| Oregon | Lemonade | $576 |
| Pennsylvania | Lemonade | $482 |
| Rhode Island | Lemonade | $403 |
| South Carolina | Lemonade | $455 |
| South Dakota | Pets Best | $540 |
| Tennessee | Lemonade | $428 |
| Texas | Lemonade | $490 |
| Utah | Lemonade | $442 |
| Vermont | Pets Best | $569 |
| Virginia | Lemonade | $494 |
| Washington | Lemonade | $533 |
| West Virginia | Pets Best | $528 |
| Wisconsin | Lemonade | $496 |
| Wyoming | Pets Best | $567 |
Lemonade
Best Overall
MoneyGeek Rating
4.8/ of 5
5/5Affordability
4.8/5Customer Experience
4/5Coverage Options
Average Monthly Rate for Dogs
$39Average Monthly Rate for Cats
$19Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000
Spot
Best Customer Experience
MoneyGeek Rating
4.2/ of 5
4.2/5Affordability
5/5Customer Experience
3/5Coverage Options
Average Monthly Rate for Dogs
$51Average Monthly Rate for Cats
$19Trustpilot Ratings
4.7 out of 5.0Maximum Annual Limit
Unlimited
Pets Best
Best Multi-Pet Insurance Coverage Options
MoneyGeek Rating
4.3/ of 5
4/5Affordability
4.3/5Customer Experience
5/5Coverage Options
Average Monthly Rate for Dogs
$51Average Monthly Rate for Cats
$23Overall Reddit Sentiment
50% positiveMost Unique Coverage Option
Vet Direct Pay
What Are the Cheapest Multiple Pet Insurance Companies?
From the companies we reviewed, Lemonade offers the cheapest multi-pet insurance for dogs at $39 per month, while Pumpkin has the lowest rates for cats at $15 per month. These prices are based on our standard comparison using a six-year-old Labrador Retriever and seven-year-old Ragdoll with $5,000 annual limits, $500 deductibles and 80% reimbursement rates. Hartville, ASPCA, Spot and Figo also offer affordable multi-pet coverage.
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Lemonade | $39 | 5.00% |
| Pumpkin | $41 | 10.00% |
| ASPCA | $44 | 10.00% |
| Figo | $49 | 5.00% |
| Hartville | $50 | 10.00% |
Cheapest Multi Pet Insurance By State
Pumpkin is consistently the cheapest multi-pet insurance provider for cats in all 50 states. Lemonade offers the most affordable coverage for dogs in 38 out of 50 states, while ASPCA provides the lowest rates in California.
Data filtered by:Results filtered by:
Select
Pet Type:Dog
| Arkansas | Lemonade | $26 |
| Alabama | Lemonade | $28 |
| North Dakota | Lemonade | $30 |
| Missouri | Lemonade | $30 |
| Louisiana | Lemonade | $31 |
| Montana | Lemonade | $32 |
| Oklahoma | Lemonade | $32 |
| Iowa | Lemonade | $32 |
| Kentucky | Pumpkin | $33 |
| Mississippi | Lemonade | $33 |
| Rhode Island | Lemonade | $34 |
| New Mexico | Lemonade | $34 |
| North Carolina | Lemonade | $34 |
| Georgia | Lemonade | $35 |
| Nebraska | Lemonade | $35 |
| Indiana | Lemonade | $35 |
| Ohio | Lemonade | $35 |
| Tennessee | Lemonade | $36 |
| West Virginia | Pumpkin | $36 |
| South Dakota | Pumpkin | $37 |
| Utah | Lemonade | $37 |
| Kansas | Pumpkin | $38 |
| Maryland | Lemonade | $38 |
| South Carolina | Lemonade | $38 |
| Wyoming | Pumpkin | $38 |
| Vermont | Pumpkin | $38 |
| Michigan | Lemonade | $39 |
| Nevada | Lemonade | $40 |
| Minnesota | Lemonade | $40 |
| Pennsylvania | Lemonade | $40 |
| Alaska | Pumpkin | $40 |
| Texas | Lemonade | $41 |
| Virginia | Lemonade | $41 |
| Idaho | Pumpkin | $41 |
| Wisconsin | Lemonade | $41 |
| Delaware | Pumpkin | $42 |
| Hawaii | Pumpkin | $42 |
| New York | Lemonade | $42 |
| New Jersey | Lemonade | $44 |
| Florida | Lemonade | $44 |
| Connecticut | Lemonade | $44 |
| Washington | Lemonade | $44 |
| New Hampshire | Lemonade | $45 |
| Arizona | Lemonade | $47 |
| Illinois | Lemonade | $48 |
| Oregon | Lemonade | $48 |
| California | ASPCA | $48 |
| Colorado | Lemonade | $49 |
| Massachusetts | Lemonade | $50 |
| Maine | Pumpkin | $50 |
How Much Is Pet Insurance for Multiple Pets?
The average cost of pet insurance for multiple pets is $53 per month for dogs and $25 per month for cats, based on our analysis of major providers MoneyGeek surveyed. Your actual costs may vary based on several factors, including your pets’ profiles, coverage limits and eligible discounts.
Dogs | $53 | $638 |
Cats | $25 | $296 |
*The rates are based on a six-year-old Labrador Retriever and seven-year-old Ragdoll profile with $5,000 annual limits, $500 deductibles and 80% reimbursement rates.
What Factors Affect Multi-Pet Insurance Rates?
Several key factors determine how much you'll pay for multi-pet insurance:
Discounts
Pet insurance companies offer different multi-pet discounts, which can really affect your total costs. Spot gives you 10% off every pet after the first, while Lemonade applies 5% but offers extra savings through annual and bundle discounts.
Pet ages
When you insure multiple pets, age differences mean different costs within your policy. Your two-year-old Labrador will cost much less than your eight-year-old cat on the same plan. This works in your favor; younger pets help offset the higher costs of senior pets.
Pet types and breeds
Households with different pet types often save money because cats cost less to insure than dogs. But having multiple high-risk breeds can drive up your total premium even with multi-pet discounts.
Location
Where you live affects your premiums because vet costs vary widely across states and regions. Urban areas with higher vet costs mean higher premiums than rural areas.
Coverage options
You can customize coverage for each pet, which affects your multi-pet rates. Some owners pick comprehensive coverage for senior pets and accident-only plans for young, healthy pets. Plans with higher annual limits, lower deductibles and higher reimbursement rates cost more but give you better coverage when you need it.
Should I Get Multiple Pet Insurance?
Getting pet insurance for multiple pets isn't required by law and many pet owners successfully manage veterinary costs without it. However, it may be worth it when:
You have young, healthy pets: Starting coverage while pets are young helps avoid pre-existing condition exclusions and secures lower premiums. Multi-pet discounts also make insuring several young animals even more cost-effective over their lifetimes.
You own multiple high-risk breeds: When you have multiple pets with breed-specific conditions, you're more likely to face overlapping expensive treatments that could strain your budget. Pet insurance helps you confidently pursue necessary treatments, knowing you'll recover 60% to 90% of covered costs.
You live in a high veterinary cost area: In urban areas with expensive veterinary care, even routine procedures add up quickly across multiple pets. Multi-pet insurance with good reimbursement rates helps offset these expenses for your entire pet family.
How to Get the Best Cheap Multiple Pet Insurance
Shopping for multi-pet insurance can feel overwhelming when you're trying to balance coverage and costs. Here's how to find the best value:
- 1
Determine each pet’s coverage needs
Look at each pet's age, breed, health history and lifestyle to determine their risks. Decide if you need full accident-and-illness coverage for all pets or if some can get by with accident-only plans. Mix coverage levels to save money: young, healthy pets might need comprehensive coverage while senior pets with pre-existing conditions could work fine with cheaper accident-only plans.
- 2
Compare quotes from multiple providers
Get quotes from at least three pet insurance companies and focus on your total monthly cost, not individual premiums. Ask for the same coverage levels from all companies so you can compare accurately for your whole household.
- 3
Understand each provider’s discount structure
Multi-pet discounts vary widely between companies. Some offer flat percentages while others use tiered systems that save you more with additional pets. Check if the discount applies to all pets or just the extras, and whether existing customers face limits when adding new pets.
- 4
Read the fine print
Check waiting periods, breed-specific exclusions and pre-existing condition rules, which vary by company. These details determine coverage value, especially when you're managing multiple pets with different health risks.
- 5
Reassess every year before renewing
Multi-pet insurance rates and discounts change annually, so compare your renewal rates against current options. Last year's cheapest pet insurance might not be this year's winner, especially as your pets age and become riskier to insure.
Best Multi-Pet Insurance: Bottom Line
Lemonade is MoneyGeek’s top pick for the best overall multi-pet insurance. It also provides the cheapest premiums for dogs at $39 monthly, while Pumpkin is the most affordable option for cats, with monthly rates as low as $15. Finding the right balance between cost and coverage for multiple pet insurance requires comparing quotes, understanding discount structures and considering each pet's needs.
Best Pet Insurance for Multiple Pets: FAQ
We answered common questions about finding the best pet insurance for multiple pets below:
What is the best pet insurance plan for multiple pets?
Lemonade offers the best overall pet insurance for multiple pets, based on MoneyGeek's study. It provides affordable rates, a 5% multi-pet discount and fully customizable coverage options.
Should I use one provider for all pets or different providers?
Most pet owners benefit from using one provider for all pets due to multi-pet discounts and simplified management.
How do multi-pet discounts work?
You get a discount on each pet after your first one. Sign up all your pets at once and you'll usually get a better deal than adding them one by one.
Can I mix coverage levels for different pets?
Yes, you can customize coverage levels for each pet based on their individual needs and your budget.
How do waiting periods work with multiple pets?
Waiting periods apply individually to each pet's enrollment date, not collectively. Enroll all pets simultaneously to synchronize coverage so their waiting periods end together.
Should I enroll all pets simultaneously or add them over time?
You can enroll all pets simultaneously for maximum savings and convenience. Doing so also synchronizes waiting periods and renewal dates, simplifying policy management.
Is pet insurance worth it for multiple pets?
Multi-pet insurance provides significant value when you can handle upfront veterinary costs but want financial protection from major expenses. If simultaneous emergencies could strain your finances (imagine two $5,000+ surgeries in one month) insurance removes financial pressure from medical decisions and lets you focus on your pets' health.
What breeds are best for multi-pet insurance discounts?
Multi-pet discounts apply equally regardless of breed, but your breed mix significantly affects total costs. Mixed breeds cost less to insure than purebreds since they have fewer hereditary health issues, making them ideal for maximizing discount value.
How We Decided the Best Pet Insurance for Multiple Pets
We analyzed 20 major pet insurance providers in the United States, focusing specifically on their multi-pet policies, discount programs and quotes to give you our top recommendations for households with multiple pets.
For consistent comparisons across all providers, we used identical policy parameters for every quote:
- $5,000 annual limit per pet
- 80% reimbursement rate per pet
- $500 deductible per pet
- 6-year-old Labrador retriever if dog
- 7-year-old Ragdoll if cat
How We Scored Each Company for Multi-Pet Insurance
Affordability (50% of score): We gathered quotes for multi-pet households and compared rates against competitors within each state. We also analyzed how each company structures and applies multi-pet discounts, and whether discounts apply to all pets or just additional ones.
Customer Experience (30% of score): We collected customer ratings from across the internet, specifically Trustpilot and Reddit, to calculate this score.
Coverage Options (20% of score): We evaluated policy terms, add-ons and coverage options with particular attention to multi-pet flexibility. We also analyzed features like customizing coverage levels for different pets, policy management for multiple animals and coverage options that benefit multi-pet households.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.