Pumpkin has the best rates for multiple pets and $5,000 coverage starting at $52, or $47 per month after discount, for two dogs. They also have the cheapest rates for $10,000 coverage starting at $81, or $73 per month after discounts.
Best Pet Insurance Companies for Multiple Pets
Updated: May 4, 2025
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Key Takeaways
Pumpkin is best pet insurance for multiple pets with a MoneyGeek score of 96/100, offering 90% reimbursement rates and the cheapest multi-pet coverage starting at $52 monthly for two dogs, while GEICO follows closely as second best with a score of 91/100 and flexible coverage options up to $30,000.
Most major pet insurance companies offer multi-pet discounts of 5-10%, with options varying in coverage amounts ($3,000 to unlimited), deductibles ($50 to $1,000), and reimbursement percentages (50% to 100%), allowing pet owners to find plans that fit their specific needs.
Multi-pet insurance simplifies pet care by requiring less paperwork and allowing different types of pets under one policy and cost savings through discounts of 5-10%. To get the best rate we recommend getting quotes from at least three companies.
The Best Pet Insurance Rates for Multiple Pets
Multi-Pet Discounts & Average Policy Costs for $5,000 Coverage
$5,000 Pet Insurance | Multi-Pet Discount | Average Policy Cost (Two Dogs) | MoneyGeek Score | |
|---|---|---|---|---|
1. | Pumpkin | 10% | $52 | 96 |
2. | ASPCA | 10% | $52 | 89 |
3. | GEICO | 10% | $56 | 91 |
4. | Embrace | 10% | $56 | 91 |
5. | Figo | 5% to 10% | $59 | 85 |
6. | Nationwide | 5% | Not Offered | 77 |
Multi-Pet Discounts & Average Policy Costs for $10,000 Coverage
$10,000 Pet Insurance | Multi-Pet Discount | Average Policy Cost (Two Dogs) | |
|---|---|---|---|
1. | Pumpkin | 10% | $81 |
2. | GEICO | 10% | $85 |
3. | ASPCA | 10% | $85 |
4. | Embrace | 10% | $85 |
5. | Figo | 5% to 10% | $89 |
6. | Nationwide | 5% | $98 |
Summary of Best Multi-Pet Insurance
Here are the Best Multi-Pet Insurance Companies:
- Best Overall: Pumpkin
- Best Overal Runner-up: GEICO
- Best for Coverage Options: Pets Best
- Best for High Reimbursement: FIGO
Compare Pet Insurance Rates
Ensure you are getting the best rate for your pet insurance. Compare quotes from the top insurance companies.
Best Overall Multi Pet Insurance Policy: Pumpkin
COMPANY HIGHLIGHTS
Scores & Coverage
- MoneyGeek Score: 96 / 100
- Multi-Pet Discount: 5%–10%
- Maximum Coverage Amounts: $5,000, $10,000, $20,000
- Deductible Options: $150, $250, $500
- Reimbursement Options: 80% and 90%
Multi-Pet Policy Cost and Discounts
Pumpkin pet insurance offers an attractive 10% discount for each additional pet enrolled in a policy, making it an excellent choice for multi-pet households. According to MoneyGeek's analysis, Pumpkin offers the most affordable rates for multi-pet coverage, with policies starting at just $52 per month for two dogs with $5,000 coverage and $81 per month for $10,000 coverage. Their customizable pricing structure allows pet parents to adjust costs by selecting from four deductible options ($100, $250, $500, or $1,000) while maintaining their signature 90% reimbursement rate after the deductible is met.
Coverage and Reimbursement Options
What sets Pumpkin apart is their consistent 90% reimbursement rate across all plans, significantly higher than many competitors. Their comprehensive coverage includes benefits many insurers exclude as standard, such as dental illnesses, behavioral problems, hereditary conditions, and parasite infections, without requiring additional add-ons. Pumpkin also maintains a notably short 14-day waiting period for all conditions—including orthopedic issues like hip dysplasia and knee injuries that typically carry six-month waiting periods with other providers—making them particularly appealing for breeds prone to these genetic conditions.
Ease of Buying
Pumpkin's user-friendly quoting system guides customers through each step of the process, asking specific questions to recommend the most appropriate plan for your pet's needs and presenting a customized quote based on your responses. There are no breed restrictions or upper age limits, with coverage available for all dogs and cats at least eight weeks old. The claims process is straightforward through their website or app, though processing times can take 2-4 weeks, which is longer than some competitors.
MoneyGeek Customer Review Analysis
Customer reviews for Pumpkin are overwhelmingly positive, with many praising the company's responsive customer service and efficient claims handling. One pet parent shared: "The personalized customer experience with this company is stellar... Pumpkin was so quick in processing claims and depositing funds that I was able to keep paying for vet services throughout the illness." The general consensus among customers highlights satisfaction with the 90% reimbursement rate, streamlined claims submission, and the helpfulness of customer service representatives, though some users mention longer-than-desired reimbursement timeframes.
Best Multi-Pet Insurance Runner Up: GEICO
COMPANY HIGHLIGHTS
Scores & Coverage
- MoneyGeek Score: 91 / 100
- Multi-Pet Discount: 10%
- Maximum Coverage Amounts: $5,000, $8,000, $10,000, $15,000, $30,000
- Deductible Options: $200, $300, $500, $750, $1,000
- Reimbursement Options: 70%, 80%, 90%
Multi-Pet Policy Cost and Discounts
GEICO offers a straightforward 10% discount for insuring multiple pets under one policy, making it an affordable option for multi-pet households. According to the updated pricing data, coverage for two dogs with a $5,000 policy costs an average of $56 per month, while a $10,000 policy averages $85 monthly. With a MoneyGeek Score of 91/100, GEICO remains one of the top-rated options for multi-pet insurance, offering excellent value for pet parents with multiple animals.
Coverage and Reimbursement Options
GEICO stands out with its flexible coverage options, offering maximum annual limits ranging from $5,000 to $30,000 to suit different budgetary needs. Pet owners can choose from multiple deductible options ($200, $300, $500, $750, or $1,000) and select reimbursement rates of 70%, 80%, or 90% of eligible expenses. The company also offers an optional Preventive Care plan covering essentials like microchip implantation, vaccines, and prescription diet food, allowing for comprehensive protection.
Ease of Buying
The policy enrollment process is user-friendly with relatively short waiting periods—just two days for accident coverage and 14 days for illness coverage. Unlike some competitors, GEICO doesn't require pets to be spayed or neutered by a specific age, though doing so may qualify for additional discounts. While GEICO ranks third in the updated $5,000 coverage category, its comprehensive options and competitive pricing for higher coverage tiers maintain its position as a top choice.
MoneyGeek's Customer Reviews
Pet owners frequently praise GEICO's combination of competitive pricing, comprehensive coverage options, and straightforward claims process. The company's reputation for reliability in the broader insurance market appears to extend to their pet insurance offerings, with customers appreciating the balance of affordability and comprehensive coverage. Though now ranked behind Pumpkin and ASPCA in some metrics, GEICO continues to be recognized for its quality service and value.
Best Multi-Pet Insurance for Coverage Options: Pets Best
COMPANY HIGHLIGHTS
Scores & Coverage
- MoneyGeek Score: 90 / 100
- Multi-Pet Discount: 10%
- Maximum Coverage Amounts: $5,000, Unlimited
- Deductible Options: $50, $100, $150, $200, $500, $1,000
- Reimbursement Options: $70%, 80%, 90%
Multi-Pet Policy Cost and Discounts
Pets Best offers a competitive 10% multi-pet discount, making it an attractive option for households with multiple animals. Their policies start at remarkably affordable rates—as low as $9 per month for dogs and $6 per month for cats with their accident-only plan, while their comprehensive accident and illness coverage provides excellent value at sample monthly premiums of $30.19 for dogs and $17.48 for cats. Beyond the multi-pet discount, Pets Best also provides special savings for military members and their families in most states, making their already budget-friendly options even more accessible.
Coverage and Reimbursement Options
What truly sets Pets Best apart is their unmatched flexibility in coverage options. Their BestBenefit accident and illness plans come in three tiers (Essential, Plus, and Elite), all customizable with an industry-leading range of six deductible options ($50, $100, $200, $250, $500, or $1,000), three reimbursement rates (70%, 80%, or 90%), and the choice between $5,000 or unlimited annual coverage. For those seeking more basic protection, their accident-only plan offers a set $10,000 annual limit, a $250 deductible, and 90% reimbursement at exceptionally affordable rates. They also offer two optional wellness plan tiers to cover routine care expenses.
Ease of Buying
Pets Best makes enrollment and claims handling remarkably straightforward. With no upper age limit for enrollment and coverage available for pets as young as 7 weeks old, Pets Best provides accessibility that many competitors can't match. Their user-friendly mobile app and online customer portal allow policyholders to submit claims anywhere, manage all their pets' policy and medical documents in one place, and even connect with veterinary experts day or night for pet health questions. As an added convenience, Pets Best offers direct vet payment options, meaning eligible claims can be paid directly to your veterinarian rather than requiring out-of-pocket payment.
MoneyGeek's Customer Reviews
Pet owners consistently praise Pets Best for their combination of affordability, comprehensive coverage options, and responsive customer service. As one satisfied customer states: "Pets Best is an awesome company. I have used other pet insurance companies in the past, and they couldn't stand up to Pets Best. Great customer service, easy to use online. All around awesome!" Many policyholders particularly appreciate the company's foundation by veterinarian Dr. Jack Stephens, whose expertise and understanding of pet healthcare needs has translated into policies that truly meet the requirements of both pets and their owners. Their MoneyGeek Score of 86/100 reflects their solid reputation as a trusted provider focused on delivering flexible, affordable coverage.
Best Multi-Pet Insurance for High Reimbursement: Figo
COMPANY HIGHLIGHTS
Scores & Coverage
- MoneyGeek Score: 85 / 100
- Multi-Pet Discount: 5%–10%
- Maximum Coverage Amounts: $5,000, $10,000, Unlimited
- Deductible Options: $100, $250, $500, $750
- Reimbursement Options: 70%, 80%, 90%, 100%
Multi-Pet Policy Cost and Discounts
Figo offers a flexible multi-pet discount program that ranges from 5-10% depending on your state, making it an attractive option for households with multiple animals. Beyond the multi-pet discount, Figo provides additional savings opportunities, including an exclusive discount for Costco members through the warehouse's financial products department. Their customizable pricing structure allows pet parents to adjust costs by selecting from various annual coverage limits, deductibles, and reimbursement percentages to fit specific needs and budgets.
Coverage and Reimbursement Options
What truly sets Figo apart in the marketplace is their industry-leading reimbursement options. Figo is the only pet insurance company to offer up to 100% reimbursement on eligible expenses, meaning pet owners could potentially have no out-of-pocket costs beyond their deductible for covered treatments. Their three-tiered plan structure—Essential ($5,000 annual limit), Preferred ($10,000 annual limit), and Unlimited—can be further customized with optional "Powerups" for wellness care and veterinary exam fees. Figo's comprehensive coverage includes alternative therapies, mobility devices, hereditary conditions, and curable pre-existing conditions that have been symptom-free for at least 12 months.
Ease of Buying
Figo distinguishes itself as a tech-forward company with its unique Pet Cloud app, which enables policyholders to manage important documents, connect with other pet owners, find local pet services, and submit claims quickly from their smartphones. Their claims process is notably efficient, with an average turnaround time of just 2.6 working days—significantly faster than many competitors in the industry. The company has no upper age limit for enrollment, making them particularly suitable for senior pets, and their one-day waiting period for accident coverage (compared to the industry standard of 14 days) means protection begins almost immediately.
MoneyGeek's Customer Reviews
With a MoneyGeek Score of 85/100, Figo has established a solid reputation among pet owners who appreciate their digital-first approach and flexible coverage options. One satisfied customer shared: "Not only did they come through when I needed them most, but the claims process was incredibly smooth and stress-free. Reimbursement was fast, communication was clear, and there were no frustrating delays or surprises." Customers particularly value Figo's 24/7 virtual vet access, transparent coverage explanations, and their unique "diminishing deductible" feature that reduces your annual deductible following claim-free policy years. While not quite reaching the top MoneyGeek scores of Pumpkin or GEICO, Figo's innovative approach and customization options make them an excellent choice for tech-savvy pet parents seeking maximum flexibility.
Plan Details for the Best Pet Insurance for Multiple Pets
MoneyGeek used several factors to determine the best pet insurance companies based on policy cost, multi-pet discounts, coverage amounts, deductibles and reimbursement percentage options.
- Coverage Amount: The maximum dollar amount your pet insurance will pay for covered treatments during the policy period.
- Deductible: The amount you must pay out-of-pocket for veterinary expenses before your pet insurance starts covering costs.
- Reimbursement Percentage: The portion of your eligible vet bills (after deductible) that your insurance will pay, typically ranging from 70% to 90%.
Best Multi-Pet Insurance Plan Comparison Table
Pet Insurance | Available Coverage Amounts | Deductible Options | Reimbursement Options | Multi-Pet Discount |
|---|---|---|---|---|
GEICO | $5,000 / $8,000 / $10,000 / $15,000 / $30,000 | $200 / $300 / $500 / $750 / $1000 | 70% / 80% / 90% | 10% |
ASPCA | $3,000 / $4,000 / $5,000 / $7,000 / $10,000 | $100 / $250 / $500 | 70% / 80% / 90% | 10% |
Embrace | $5,000 / $8,000 / $10,000 / $15,000 / $30,000 | $200 / $300 / $500 / $750 / $1,000 | 70% / 80% / 90% | 10% |
Pets Best | $5,000 / Unlimited | $50 / $100 / $200 / $250 / $500 / $1,000 | 70% / 80% / 90% | 10% |
Pumpkin | $10,000 / $20,000 | $100 / $250 / $500 | 90% | 10% |
Figo | $5,000 / $10,000 / Unlimited | $100 / $250 / $500 / $750 | 70% / 80% / 90% / 100% | 5% to 10% |
Nationwide | $10,000 | $250 | 50% / 70% / 90% | 5% |
What Is a Multi-Pet Insurance Plan?
Pet insurance companies offer plans that allow you to cover several pets under a single policy. You can obtain a multi-pet discount from most insurers, making pet insurance more affordable.
How Multi-Pet Discounts Work
No discount
10% discount
10% discount
Multi-pet insurance works similarly to standard pet insurance policies. You can choose your policy details, including the coverage amount, deductible and reimbursement percentage options.
The multi-pet discount helps you manage costs since it’s applied to every pet you add to your policy. Some insurers offer a straight-up discount from your premium, while others take a specific percentage off the cost of each pet you enroll after the first one. Others, like Nationwide, offer a different discount option depending on the number of pets you include. If you insure two or three pets, you get a 5% discount. It increases to 10% if you have four or more.
What a Multi-Pet Insurance Plan Covers
Multi-pet insurance covers the same things as a standard policy. These include unexpected injuries, along with accidents and illnesses. Pet insurance also protects you against costs from surgery, medication, tests and exams.
Coverage | Description |
|---|---|
Accidents | Your policy covers treatment for incidents such as your pet ingesting poison or a foreign object. Cuts and fractures are also included. |
Illness | Multi-pet policies cover common and serious illnesses. These can range from ear infections and vomiting to diabetes and heart disease. It also includes hereditary conditions such as blood and eye disorders. |
Wellness | Your policy may also provide coverage for wellness exams, routine checkups, routine lab work and vaccinations. If you opt to get your pet spayed or neutered, the policy also covers the operation. |
Remember that your choices determine the extent of your policy’s coverage. Although all multi-pet insurance can protect you against costs related to accidents, illnesses and routine wellness, not all policies include all of these coverages. If you want to have everything included, you must specifically choose a plan that contains all of them.
The Benefits of Multi-Pet Insurance
If you have multiple furry friends, there are many advantages to purchasing a multi-pet insurance plan. Here are some of the benefits you can look forward to with this policy.
- 1
Less administrative work.
You only have to deal with a single insurer for your pet insurance needs. Since all your pets are under one policy, it means you’ll only have to take care of one renewal date and a single set of documents.
- 2
It covers different types of pets in one policy.
Although the most common pets covered in policies are cats and dogs, you can also insure more exotic animals, such as lizards and snakes. You can even have a mix of pets in a single policy.
- 3
Save money on premiums.
Multi-pet insurance can be more affordable than having separate policies for each of your pets. Most insurers offer a 5%–10% discount for additional pets after the first one you enroll.
Best Multi-Pet Insurance FAQs
Pet insurance can be costly, and it may add up when you have several pets. Purchasing pet insurance plans for multiple pets is a way to get cheaper coverage. Understanding the answers to some commonly asked questions about multi-pet insurance can help you find the best policy for your needs.
What is the best pet insurance plan for multiple pets?
MoneyGeek compared several policies from companies with multi-pet insurance plans. Pumpkin offers the best pet insurance for multiple pets.
Can a pet insurance plan cover multiple pets?
There are many costs associated with owning a pet. Imagine how much you’ll have to spend if you have several pets! A way to keep your expenses in check is by purchasing pet insurance plans for multiple pets. Having this kind of policy will allow you to get more affordable premiums.
What are the benefits of a multi-pet insurance policy?
Having a single policy for many pets can bring several advantages. First and foremost, you can get as much as a 10% discount for each additional pet. More than that, you’ll only have to worry about a single renewal date and one set of insurance documents.
How do annual coverage limits work?
The annual coverage limit is the maximum amount your insurance will pay for eligible veterinary expenses during your policy year; once reached, you'll be responsible for all costs until your policy renews.
What are waiting periods and why do they exist?
Waiting periods are mandatory timeframes (typically 1-14 days for accidents and illnesses, longer for orthopedic conditions) between enrollment and when coverage begins, designed to prevent people from purchasing insurance only after a pet becomes sick or injured.
Can I use any veterinarian with pet insurance?
Yes, most pet insurance plans allow you to visit any licensed veterinarian, specialist, or emergency clinic in the United States without network restrictions.
What's the difference between reimbursement percentages and copays?
The reimbursement percentage is the portion of eligible expenses your insurer pays after your deductible (typically 70-90%), while your copay is the percentage you're responsible for (10-30%).
Methodology
To obtain average cost data, MoneyGeek gathered quotes manually from 13 pet insurance companies. The data used in this article were based on a male Goldendoodle dog. Your coverage costs and limitations will vary based on the type of pets you own and other factors. The details for the sample policies used above are as follows:
Maximum Coverage Amount | Deductible | Reimbursement (Percentage) |
|---|---|---|
$5,000 | $500 | 80% |
$10,000 | $250 | 80% |
Unlimited | $250 | 90% |
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.
sources
- American Veterinary Medical Association. "Annual spending on pets nearing $100B." Accessed October 30, 2024.