Discounts reduce your monthly or annual premium for pet insurance, helping you save money on your chosen coverage. The table below outlines the various types of pet insurance discounts available in the market and how they work.
Pet Insurance Discounts
Updated: September 7, 2025
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Pet Insurance Discounts: Key Takeaways
Pet insurance discounts come in different forms, such as multi-pet savings, military benefits and employer programs.
MetLife offers the most discounts with 10 different savings opportunities, while Healthy Paws and Trupanion don't offer discounts.
Save money on pet insurance by comparing providers, stacking available discounts and adjusting coverage limits to match your pet's specific profile.
What Types of Pet Insurance Discounts Are There?
Affinity group or association/club member discount | Members of professional associations, alumni groups and clubs may get exclusive pet insurance rates. Insurers partner with these organizations to provide group discounts that aren't available to the general public. |
Annual payment discount | Pay your entire premium upfront instead of monthly to save on your total cost. This discount rewards pet parents who can afford the larger one-time payment. |
Benefit broker discount | Benefit brokers help companies add pet insurance to their workplace benefits, negotiating group rates often around 10% lower than individual pricing. Employees access these discounts through automatic payroll deduction, streamlining the payment process. |
Breeder discount | These discounts reward breeders who participate in recognized breeding programs or demonstrate commitment to health testing, education and responsible breeding practices. Requirements and discount amounts vary across pet insurers that cover breeding. |
Bundling discount | Save money by combining pet insurance with auto, home or renters insurance from the same company. Not all insurers offer pet coverage, so check the available insurance types first. |
Diminishing deductible | Your annual deductible decreases each year you don't file a claim, potentially reaching zero after several claim-free years. That said, not all insurers offer this option. |
Employee group discount | Companies partner with pet insurers to offer employees discounted rates, often 5% to 10% off standard premiums. The discount usually applies as long as you remain employed with the participating company. |
Federal employee discount | Work for the federal government? You might save on pet insurance through your benefits package. You'll need to provide your federal employee ID or pay stub to verify eligibility during enrollment. |
First responder/health care worker discount | Police officers, firefighters, EMTs, nurses, doctors and other health care professionals often qualify for premium discounts. You'll need to provide employment verification or professional license information during enrollment. |
Loyalty discount | Existing policyholders earn discounts the longer they stay with their insurer, usually starting in year two or three. Some companies bump up your savings each year, while others reward you when you hit certain milestones like five or 10 years of coverage. |
Military/veteran discount | Active duty service members and veterans may get 5% to 15% off their pet insurance premiums. Some insurers also offer these savings to military spouses and kids. You'll need to show proof of service, like military ID or discharge papers, when you sign up. |
Multi-pet discount | Save 5% to 10% when you insure multiple pets with the same company. Most insurers offer this discount automatically when you add a second pet to your policy. You'll typically see the discount applied to each additional pet after the first one. |
Online enrollment discount | This discount reflects the insurer's reduced administrative expenses for digital applications. The savings are usually applied automatically when you complete your application online. |
Veterinary care discount | Veterinarians, veterinary technicians, clinic staff and other professionals working in veterinary clinics can receive discounts on pet insurance premiums. You'll need to provide employment verification or professional licensing information to qualify for these savings. |
Pet Insurance Discount Offerings By Provider
Pet insurance companies differ in their discount offerings, with some providers like MetLife offering up to 10 types of savings while others like Healthy Paws and Trupanion have none at all. Use the filterable table below to see which discounts are available from each pet insurer.
Data filtered by:Results filtered by:
Select
Provider:MetLife
| Affinity group discount |
| Animal care |
| Diminishing deductible |
| Employer group benefit |
| Federal employee |
| First responder |
| Healthcare worker |
| Internet purchase |
| Military |
| Multiple pets |
Discount availability varies by state and policy terms.
How To Save Money on Pet Insurance
Pet insurance doesn't have to break your budget if you know the right strategies to reduce your premiums. Here are some ways to lower your pet insurance costs while maintaining sufficient coverage for your furry friend.
- 1
Compare multiple providers
Shop around with at least three pet insurance companies to find the best rates for your specific pet and situation. Premium differences can vary by hundreds of dollars annually between providers for identical coverage. Use online quote tools to streamline the entire process.
- 2
Adjust coverage limits
Choose appropriate annual limits or unlimited coverage based on your pet's breed, age and health risks rather than automatically selecting the highest available option. A healthy mixed breed might not need $50,000 in annual coverage, while a purebred prone to genetic conditions may benefit from unlimited coverage.
- 3
Choose the right deductible
Select a higher deductible to lower your monthly premium. A $500 deductible might save you 20% to 30% compared to a $100 deductible, but make sure you can afford the out-of-pocket expense at the vet. Balance the savings against your financial comfort zone.
- 4
Consider annual payment
Pay your entire premium upfront instead of monthly to save money on your total cost. This discount rewards pet parents who can afford the larger one-time payment and eliminates monthly processing fees. The savings compound over multiple years of coverage.
- 5
Take advantage of available discounts
Stack multiple discounts whenever possible to maximize your savings on pet insurance. Common combinations include multi-pet discounts with annual payment discounts. Check with your insurer to identify all savings opportunities that apply to your situation.
What Discounts Are Available for Pet Insurance?: Bottom Line
Pet parents can reduce insurance costs through smart shopping and discount stacking. While some pet insurance companies like MetLife provide 10 savings opportunities, others like Healthy Paws and Trupanion may offer none. To maximize your savings, compare multiple insurers, stack qualifying discounts and customize coverage limits to match your pet's specific risks.
Discounts on Pet Insurance: FAQ
We've addressed frequently asked questions about pet insurance discounts below:
What types of pet insurance discounts are available?
When shopping for pet insurance, you'll usually encounter discounts for insuring multiple pets, having a military background, bundling policies or being a member of a partner association or organization. Other saving opportunities include employer group benefits, annual payment discounts and loyalty discounts.
Which pet insurance companies offer the most discounts?
MetLife offers the most pet insurance discounts, with 10 different savings opportunities. Most other providers offer fewer options, with many focusing primarily on multi-pet discounts.
Can you stack multiple pet insurance discounts?
You can often stack multiple pet insurance discounts to maximize your savings. However, discount stacking rules vary by insurer, and some may cap total savings at 15% to 20%. Contact your pet insurance provider to identify all qualifying discounts and understand its stacking policies for your specific situation.
Do I need to provide documentation for pet insurance discounts?
Some pet insurance discounts require documentation to verify eligibility. Military and veteran discounts need military status verification, while federal employee discounts require employee ID or pay stubs. Professional discounts for veterinary professionals, first responders and health care workers need employment verification or professional licenses. Employer group discounts typically require proof of employment with participating companies.
When should I enroll my pet to get the best rates?
Many insurers offer their best rates for pets under 1 year old. Early enrollment also ensures maximum coverage since conditions discovered before enrollment or during the waiting period are considered pre-existing and won't be covered.
Do veterinarians get discounts on pet insurance?
Depending on the insurer, veterinarians, veterinary technicians and other veterinary clinic staff may receive discounts on pet insurance. You'll need to provide employment verification or professional licensing information during enrollment.
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.