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.
Pet Insurance
Best Pet Insurance for Multiple Pets (2025)
Updated: June 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Pumpkin is the 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. 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% to 10%, with options varying in coverage amounts ($3,000 to unlimited), deductibles ($50 to $1,000) and reimbursement percentages (50% to 100%). This allows 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. It also provides cost savings through discounts of 5% to 10%. To get the best rate, we recommend getting quotes from at least three companies.
What is the Best Pet Insurance Company for Multiple Pets?
Ranking | Company | MG Score (out of 100) | Monthly Cost for $5,000 Coverage |
|---|---|---|---|
Best Overall | Pumpkin | 96 | $52 |
Best Overall Runner-up | GEICO | 91 | $56 |
Best for Coverage Options | Pets Best | 90 | $30 |
Best for High Reimbursement | FIGO | 85 | $59 |
Best Overall Multi Pet Insurance Policy: Pumpkin
Best Overall Multi Pet Insurance
pros
Lowest multi-pet rates with 10% discount per additional pet
Consistent 90% reimbursement rate across all plans
Comprehensive standard coverage (dental, behavioral, hereditary conditions)
Short 14-day waiting period for all conditions, including orthopedic
No breed restrictions or age limits for enrollment
User-friendly quoting and claims process
cons
Claims processing takes two to four weeks (longer than some competitors)
Limited to four deductible options compared to other insurers
Only covers dogs and cats (no exotic pets)
COMPANY HIGHLIGHTS
Scores & Coverage
- MoneyGeek Score: 96/100
- Multi-Pet Discount: 5% to 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 offers a 10% discount for each additional pet, delivering the most affordable multi-pet rates in our analysis. Coverage starts at $52/month for two dogs ($5,000 limit) or $81/month ($10,000 limit).
Pet owners can customize costs with four deductible options ($100 to $1,000) while keeping the 90% reimbursement rate.
Coverage and Reimbursement Options
Pumpkin maintains a consistent 90% reimbursement rate across all plans, which is higher than most competitors. Standard coverage includes dental illness, behavioral issues, hereditary conditions and parasite infections without add-ons.
The 14-day waiting period applies to all conditions, including orthopedic issues that other insurers make you wait six months to cover.
Ease of Buying
The quoting system asks targeted questions to recommend suitable plans and provides customized quotes. No breed restrictions or upper age limits exist, and coverage starts at eight weeks old. Claims are filed easily through their website or app.
Best Multi-Pet Insurance Runner Up: GEICO
Runner Up Multi-Pet Insurance
pros
Wide range of coverage limits ($5,000 to $30,000) for different budgets
Five deductible options and three reimbursement rate choices
Short waiting periods (2 days accidents, 14 days illness)
No mandatory spay/neuter age requirements
Optional preventive care coverage available
Established insurance company reputation for reliability
Competitive pricing for higher coverage tiers
cons
Higher average cost than Pumpkin ($56 vs $52 for $5,000 coverage)
Reimbursement rates start at 70% (vs Pumpkin's consistent 90%)
Preventive care requires separate add-on purchase
Ranked third in $5,000 coverage category
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 provides a straightforward 10% discount for multiple pets under one policy. Coverage averages $56/month for two dogs ($5,000 limit) or $85/month ($10,000 limit). With a MoneyGeek score of 91/100, GEICO ranks as a top-rated multi-pet insurance option offering excellent value.
Coverage and Reimbursement Options
GEICO offers exceptional flexibility with annual limits from $5,000 to $30,000, which is the widest range in our analysis. Pet owners choose from five deductible options ($200 to $1,000) and three reimbursement rates (70%, 80% or 90%). An optional Preventive Care add-on covers microchipping, vaccines and prescription diets.
Ease of Buying
Enrollment is straightforward with short waiting periods: two days for accidents, 14 days for illness. GEICO doesn't require spaying/neutering by a specific age, though it may qualify for additional discounts The claims process is streamlined and user-friendly.
Best Multi-Pet Insurance for Coverage Options: Pets Best
Best for Coverage Options
pros
Lowest starting rates: $9/month dogs, $6/month cats (accident-only)
Industry-leading six deductible options ($50 to $1,000)
Unlimited annual coverage option available
No upper age limit for enrollment (pets accepted from seven weeks)
Direct vet payment eliminates upfront costs
24/7 veterinary expert access included
Military family discounts available
Founded by veterinarian Dr. Jack Stephens
cons
Accident-only plan limited to $10,000 annual coverage
Wellness coverage requires separate add-on purchase
Some premium customization options may confuse first-time buyers
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%
Thank you for the clarification. Here's the corrected version:
Multi-Pet Policy Cost and Discounts
Pets Best offers a 10% multi-pet discount with some of the most affordable rates available. Accident-only plans start at just $9/month for dogs and $6/month for cats, while comprehensive coverage averages $30 for dogs and $17 for cats.
Military families receive additional special savings in most states.
Coverage and Reimbursement Options
Pets Best delivers unmatched customization with three plan tiers (Essential, Plus, Elite) and industry-leading flexibility. Choose from six deductible options ($50 to $1,000), three reimbursement rates (70% to 90%) and either $5,000 or unlimited annual coverage.
Their accident-only plan provides $10,000 coverage with 90% reimbursement. Two optional wellness plan tiers cover routine care.
Ease of Buying
Enrollment accepts pets from seven weeks old with no upper age limit, which is broader than most competitors. The mobile app and online portal let you submit claims anywhere, manage documents and access 24/7 veterinary experts.
Direct vet payment options eliminate out-of-pocket expenses for eligible claims.
Best Multi-Pet Insurance for High Reimbursement: Figo
Best for High Reimbursement
pros
Only company offering up to 100% reimbursement rates
Fast claims processing (2.6 working days average)
One-day waiting period for accidents (vs 14-day industry standard)
No upper age limit for enrollment
Unique Pet Cloud app with social features
Covers curable pre-existing conditions after 12 months
Diminishing deductible reduces costs after claim-free years
24/7 virtual vet access included
cons
Variable multi-pet discount (5-10%) depending on state
Wellness coverage requires separate "Powerup" purchase
Tech-heavy approach may not appeal to all users
Costco membership required for additional discounts
COMPANY HIGHLIGHTS
Scores & Coverage
- MoneyGeek score: 85/100
- Multi-Pet Discount: 5% to 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 5% to 10% multi-pet discount that varies by state. Costco members receive exclusive additional savings through the warehouse's financial products department.
Their customizable pricing structure lets pet parents adjust annual limits, deductibles and reimbursement percentages to fit specific budgets.
Coverage and Reimbursement Options
Figo is the only pet insurance company offering up to 100% reimbursement, meaning zero out-of-pocket costs beyond your deductible. Three plan tiers include Essential ($5,000), Preferred ($10,000) and Unlimited coverage.
Optional "Powerups" add wellness care and exam fees. Coverage includes alternative therapies, mobility devices, hereditary conditions and curable pre-existing conditions (after 12 symptom-free months).
Ease of Buying
The tech-forward Pet Cloud app manages documents, connects pet owners, finds local services and submits claims from smartphones. Claims process averages just three working days, which is faster than most competitors.
No upper age enrollment limits accommodate senior pets, and accident coverage begins after just one day.
Best Multi-Pet Insurance Plan Comparison
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%.
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% |
How Much Does Multi-Pet Insurance Cost?
Multi-pet insurance costs range from $52 to $59 monthly for two dogs with $5,000 coverage, or $81 to $98 for $10,000 coverage. Most providers offer 10% multi-pet discounts, with Pumpkin consistently providing the lowest rates at both coverage levels.
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 |
Best Pet Insurance For More Than One Pet: Buying Guide
Finding the right multi-pet insurance can feel overwhelming, but the sections below simplify the process. From comparing multi-pet discounts to evaluating coverage limits and reimbursement rates, this guide will help you choose a policy that protects all your pets while fitting your budget.
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. |
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.
Benefits of Multi-Pet Insurance Policy
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
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
Saves money on premiums.
Multi-pet insurance can be more affordable than having separate policies for each of your pets. Most insurers offer a 5% to 10% discount for additional pets after the first one you enroll.
Pet Insurance for Multiple Pets: Bottom Line
The best multi-pet insurance company varies based on your household's specific needs and budget. This article identifies top providers for different pet owner profiles to simplify your search.
The article also outlines steps to help you find the right coverage and savings. Pumpkin is MoneyGeek's top overall pick, ranking first with a 96/100 score and the lowest rates for both $5,000 and $10,000 coverage levels.
GEICO is the best option for pet owners seeking maximum flexibility in coverage limits and deductible choices.
Understanding the Best Multi-Pet Insurance Policy: FAQ
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 common 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. You can get as much as a 10% discount for each additional pet.
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 one to 14 days for accidents and illnesses, longer for orthopedic conditions) between enrollment and when coverage begins. They're 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% to 90%). Your copay is the percentage you're responsible for (10% to 30%).
Top Pet Insurance Providers for Multiple Pets: Our Review Methodology
MoneyGeek believes that data helps us make better financial decisions. For pet insurance, our data team spent countless hours gathering thousands of pet insurance quotes across the 13 largest providers to ensure you find the best affordable policy to meet your pet’s needs.
For the MoneyGeek rating score, we weighted affordability by coverage level at 50% of the total score and weighted our 24 qualitative research policy option data points at 50%.
To obtain average cost data, 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% |
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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 June 9, 2025.