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10 Best Pet Insurance Providers for Multiple Pets – 2023 Reviews

Cassidy Sutton

By Cassidy Sutton

woman holding a cat and a papillon dog

Shopping for pet insurance isn’t easy. You have a lot of options on the market, and they all bring something different to the table.

It’s especially challenging when you’re looking for coverage for multiple pets. But we’re taking away some of the stress by listing our 10 favorite pet insurance companies for multi-pet homes.

You’ll notice that we’ve listed exotic pet coverage as either a pro or con. Why? Because we believe it’s important for exotic pets to receive coverage, too. Many multi-pet homes have other animals besides cats and dogs, and you want the best for them as well.

So, let’s jump in, shall we?

A Quick Look at Our Winners in 2023

Rating Image Product Details
Best Overall
Nationwide Nationwide
  • 5% discount for each additional pet
  • Covers exotics
  • Wellness coverage add-on
  • Second place
    Fetch Fetch
  • Covers exam fees
  • Covers boarding and lost pet costs
  • Good dental coverage
  • Third place
    Lemonade Lemonade
  • Covers wellness
  • Lemonade Giveback program
  • Fast claims processing
  • Pets Best Pets Best
  • 5% military discount
  • No upper age limits
  • No payout limits
  • Figo Figo
  • May cover curable pre-existing conditions
  • Covers wellness
  • Up to 100% reimbursement
  • The 10 Best Pet Insurance Providers for Multiple Pets

    1. Nationwide – Best Overall

    nationwide pet insurance logo

    We’ve selected Nationwide as the best overall option if you have multiple pets. First of all, you receive a 5% multi-pet discount for each additional pet. The best part? They also cover avians and exotics. For dogs, cats, and exotics, Nationwide covers accidents and illness, prescriptions, X-rays, lab fees, and more, all within a reasonable price range compared to other pet insurance companies.

    When you sign your pet up for coverage, you’ll have three options to choose from:

    • Major Medical With Wellness
    • Major Medical (most popular)
    • Whole Pet

    Major Medical is their cheapest and most basic plan. With the Major Medical and Wellness option, you get coverage for general exams, vaccines, blood work, and preventative care.

    Here’s what we don’t like about Nationwide. You don’t get full coverage for hereditary and congenital conditions unless you pay for the Whole Pet tier. Another thing we don’t like about Nationwide is their reimbursement options. You only get to choose between 50% or 70%, and that’s if you pay for the Whole Pet tier.

    Finally, Nationwide has an upper age limit of 10 years old, so if your animal is older this insurance company wouldn’t work for you.

    • 5% discount for each additional pet
    • Covers exotics
    • Wellness coverage add-on
    • Fast claims processing
    • Upper age limit at 10 years old
    • Reimbursement options only for Whole Pet
    • Costs extra for hereditary and congenital

    2. Fetch Pet

    Fetch logo

    Have you ever heard of the Dodo? You might have watched one of their tear-jerking heartfelt animal videos on YouTube. Well, they have an insurance plan.

    Fetch covers accidents and illnesses and offers great dental coverage with the added bonus of boarding and lost pet fees. They’ll also cover behavior and physical therapy.

    They are a touch pricey but offer a great range of coverage. One reason you might want to opt for another provider is because they do not cover exotic pets or wellness coverage, and don’t offer a multi-pet discount.

    However, this is a better option if you’re paying for a wellness plan at Banfield since you get better coverage for around the same price per month for two pets.

    The upside is that Fetch offers a generous 10% military discount, a 10% veterinary staff discount, and a 10% discount on service pets. So, if you’re in the veterinary field with multiple pets, this could be a great pet insurance option.

    • 10% military discount
    • 10% veterinary staff discount
    • Up to 10% discount on service pets
    • Covers exam fees
    • Covers boarding and lost pet costs
    • Good dental coverage
    • Doesn’t cover exotics
    • No multi-pet discount
    • No wellness

    3. Lemonade

    Lemonade Insurance

    Lemonade isn’t only a refreshing summer beverage. It’s also an insurance company. And they cover all the basics of accidents and illnesses. Although they don’t cover dental, physical therapy, exam fees, or end-of-life services in their essential coverage, but you can pay more as an add-on.

    Here’s what we don’t like about Lemonade- they’re pricey unless you do the $500 annual deductible option. Even then you can find a cheaper pet insurance company for multiple pets. They also have a maximum age limit of 14 years old and don’t cover exotics.

    Lemonade only offers coverage in about 35 states, so your state could be excluded altogether. You can go here to find out if your state is covered.

    If you have a Lemonade policy in other areas, like renters or homeowners, you can receive a 10% bundle discount. They also offer a 5% multi-pet discount and a 5% annual discount just for continuing your service. So, the price is worth it if you check these boxes.

    What’s also nice is Lemonade’s superb claims processing times. You can submit a claim via the app, and the AI can inform you within minutes if your claim is approved.

    • 5% multi-pet discount
    • 5% annual discount
    • 10% bundle discount
    • Covers wellness
    • Lemonade Giveback program
    • Fast claims processing
    • 6-month waiting period for orthopedics
    • Not available in every state
    • Price changes must wait until the annual renewal date
    • Doesn’t cover exotics
    • Upper age limit at 14 years

    4. Pets Best

    Pets Best Pet Insurance

    Pets Best is a good option for the value. The company offers a 5% discount for each additional pet, plus another 5% discount if you’re in the military. Pets Best has no upper age limits either, so older pets can still enroll.

    Their monthly payments are good for most budgets because you can pick and choose what works for you. Even with multiple pets, Pets Best has great prices. For example, you can choose between a 70%, 80%, or 90% reimbursement. On top of that, you have several deductible options ranging from $50 to $1,000. And you don’t have any payout limits with Pets Best unless you choose their $5k annual limit option.

    Pets Best offers three tiers of dog and cat coverage (sadly, no exotics). They also provide two wellness plans covering routine care and an accident-only plan if you don’t want to pay for extra services.

    Another nice aspect of Pets Best is the behavioral consultations and prescriptions coverage for no additional cost. They even offer euthanasia coverage, so if you have senior pets, Pets Best is a good option.

    The downside is their processing time. It takes longer than most pet insurance companies. However, that’s because the company is growing. So, we hope to see that change soon.

    • 5% discount for each additional pet
    • 5% military discount
    • No upper age limits
    • No payout limits
    • Accident-only coverage
    • Wellness coverage add-on
    • Doesn’t cover exotics
    • Long claims processing times

    5. Figo

    FIGO Pet Insurance

    Figo insurance is next on our list. Figo is similar to Pets Best with similar discounts and benefits but with a few differences in policy and price.

    First off, Figo has more reimbursement options. You can choose between 70%, 80%, 90%, and even up to 100% reimbursement. The deductibles range between $100 to $750

    Figo offers three different plans that all offer the same benefits and optional add-ons. The difference in the plans is the annual coverage. With Figo, you can choose annual coverage up to $5,000, $10,000, or an unlimited amount.

    Figo also offers end-of-life services like euthanasia, cremation, and behavioral training in their essential coverage. These are two areas that carry a hefty price tag, especially if you have multiple pets, so it’s nice to see coverage in this area.

    It’s worth mentioning that Figo may cover pre-existing curable conditions if the pet hasn’t shown symptoms in the last 12 months. You also don’t have to worry about upper age limits with Figo. Overall, we feel that Figo is another great option if you have senior pets.

    For further coverage, you can select their Extra Care Pack which includes coverage for lost pet advertising/award, boarding fees, pet theft, vacation cancellation, and third-party property damage. You also have the option of wellness coverage for an additional cost.

    Sadly, there’s no coverage for exotic pets and their comprehensive policies can turn expensive if you’re not careful. So, be mindful of coverage you think you’ll need and coverage you know you’ll need.

    • 5% discount for each additional pet
    • May cover curable pre-existing conditions
    • Covers wellness
    • No upper age limits
    • Up to 100% reimbursement
    • Expensive comprehensive policies
    • Doesn’t cover exotics

    6. Embrace

    embrace pet insurance

    Embrace is our next option. They offer a generous 10% discount for each additional pet, plus an extra 5% discount if you’re in the military. Embrace keeps its system fairly simple. Instead of having tiered options, you select how much you want to pay for monthly payments, deductibles, and your annual reimbursement limits.

    Embrace also covers wellness for an extra fee which is a huge bonus if you have multiple pets in your home. They may even cover curable pre-existing conditions depending on your situation.

    Another perk is they cover orthopedic and behavioral for no additional cost.

    Here’s what we don’t like about Embrace. It’s not the cheapest coverage out there, especially for an insurance company that has annual reimbursement limits. Plus, there’s a one-time $25 admin fee when you sign up which adds to the price. They also don’t cover exotics which is a bummer for those that have other animals besides cats and dogs.

    In addition, if your pet has orthopedic issues, you’ll have to wait six months before your policy covers anything orthopedic related.

    • 10% discount for each additional pet
    • 5% military discount
    • May cover curable pre-existing conditions
    • Wellness coverage add-on
    • Covers behavioral and orthopedic
    • Six-month waiting period for orthopedic coverage
    • Doesn’t cover exotics
    • Limited annual coverage
    • Pricey overall

    7. MetLife (Formerly PetFirst)


    Number five on our list is MetLife. Metlife offers three tiers to choose from, all offering basic accident and illness coverage including a wellness coverage add-on. What helps MetLife stand out is its orthopedic coverage. They have excellent coverage for knee and spine injuries included in their basic coverage. The downside is their 6-month waiting period for the cruciate ligament coverage to start.

    MetLife offers a 5% discount on the second pet and 10% for each additional pet after. They also offer a discount to military and animal care specialists. Unfortunately, they’re pricey overall, so if you can’t get a good discount this may not be a good option if you have multiple pets. They don’t even cover exotics.

    They do have fast claims processing times and will cover exam fees. If you have pets with orthopedic issues, this could be a good option.

    • 5% discount on the second pet, 10% for each additional pet after
    • Wellness coverage add-on
    • Fast claim processing
    • Military and animal care specialist discounts
    • Covers exam fees
    • Good orthopedic coverage
    • Doesn’t cover exotics
    • 6-month waiting period for cruciate ligaments
    • High deductible for cheapest option
    • Pricey

    8. ASPCA

    ASPCA Pet Health Insurance

    ASPCA is number six on our list. You may have heard of ASPCA because of their animal poison hotline. But they also offer comprehensive pet insurance.

    Overall, ASPCA is quite affordable, even for multi-pet coverage. They cover accidents and illness, hereditary and congenital conditions, and even behavioral health and dental disease for no additional cost. You have the choice between a 70%, 80%, or 90% reimbursement option and a $100, $250, and $500 deductible.

    ASPCA doesn’t offer unlimited annual coverage or coverage for exotic pets and aside from their behavioral and dental disease coverage, their coverage is pretty straightforward. You won’t find wellness coverage with ASPCA. They don’t have as many perks as other pet insurance companies either.

    However, they do have accident-only coverage for those that are fine with paying for illnesses out of pocket. They also offer a generous multi-pet discount of 10%. The discount applies to all other pets but your highest premium, which remains full price.

    The biggest downside to ASPCA is their claims processing time which can take up to 30 days for reimbursement.

    • 10% discount for each additional pet
    • Accident-only coverage
    • Wellness coverage add-on
    • Covers behavioral, dental disease, and holistic
    • Better customizable annual limits
    • Doesn’t cover exotics
    • Claims take up to 30 days
    • Limited annual coverage

    9. Hartville

    hartville insurance logo

    Hartville is another straightforward pet insurance company like ASPCA with the added bonus of a wellness coverage add-on. Hartville covers accidents and illness, hereditary and congenital conditions, and behavioral and dental disease. You have the choice between a 70%, 80%, or 90% reimbursement option and a $100, $250, and $500 deductible.

    Basically, Hartville offers everything ASPCA offers except they offer a wellness add-on. The downside is that even if you don’t want wellness coverage, you still pay more for what you could pay for with ASPCA.

    Still, they do offer a good multi-pet discount and accident-only coverage. There are no upper age limits, and they have a 30-day trial period to see if you like it.

    • 10% discount for each additional pet
    • Wellness coverage add-on
    • Covers behavioral and dental disease
    • Accident-only coverage
    • 30-day trial period
    • No upper age limits
    • Doesn’t cover exotics
    • Pricey
    • Doesn’t cover holistic

    10. Pet Assure

    Pet Assure

    Pet Assure seems to have it all. They cover exotics and pre-existing conditions (yes, you read that right). There are no age limitations, no deductibles, and no payout limits. They cover accidents, illnesses, wellness, and everything in between.

    So, what’s the catch?

    Pet Assure is only available as an employee benefit, meaning it has to come through an employer. People looking for independent policies would have to look elsewhere. However, it’s wise to check with your employer to see if they do offer Pet Assure as a benefit, or at least would be interested.

    The other downside is you have to go to in-network vet offices for services. So, if you already have a vet you love, this may not be the best option for you and your pet.

    • Only available as an employee benefit
    • Must go to in-network vet offices

    Buyer’s Guide: Choosing the Right Pet Insurance Provider for Multiple Pets

    What to Look for in Pet Insurance (for Cats, Older Dogs, Etc.)

    There’s an art to shopping for insurance. You have to know what to look for in a company and match it with that gut feeling that you’re making the right purchase. So, let’s go over what you should look for in a pet insurance company to help make a choice easier.

    Policy Coverage

    A pet insurance company’s policy coverage is the first thing to look for. This is why you’re shopping for pet insurance in the first place. All pet insurance policies have comprehensive coverage for accidents and illness. This should cover the basics including diagnostics, hospitalization, surgery, prescriptions, and cancer treatment.

    Wellness coverage isn’t necessary unless you need help in that area. Most pet insurance companies have wellness coverage as an optional add-on or don’t offer it at all. If you want wellness coverage, look for a company with at least a wellness add-on.

    Some companies cover alternative, rehabilitative, and behavioral care in their essential coverage. Other pet insurance companies offer it as an add-on for an additional cost. And some companies don’t offer it at all.

    If these services are necessary, look for a company that offers them in their primary coverage or at least at an additional cost.

    If you don’t want comprehensive coverage and just want accidents covered, look for a company that offers an accident-only plan. Accident-only plans cover broken bones, toxic ingestions, lacerations, and other accidents you can’t plan for. They won’t cover illness, but it gives you peace of mind without spending too much money per month.

    Customer Service & Reputation

    Consider this- a sick pet causes stress, anxiety, and fear. The purpose of a pet insurance company is to relieve some of this burden. The right pet insurance company will give you peace of mind.

    With pet insurance, you want a company that understands your struggle with a sick pet. A great pet insurance company will be patient and kind and promptly communicate any changes to your policy. Customer service representatives should listen to you and discuss all options before making decisions.

    You can find great customer service and reputation with many pet insurance companies. Listen to your gut and go with the company you feel is best.

    Claim Repayment

    Every pet insurance company has different claims processing times. Some companies will reimburse you in 24 hours. Other companies take around 30 days. You have to decide if you need fast processing or if you’re willing to wait.

    Claims can also be submitted in different ways. Many insurance companies offer fax, email, and as the primary options for submitting claims. Other companies allow you to submit claims via an app. Usually, companies with this option have faster claims processing times.

    Price Of Policy

    The average cost of pet insurance for dogs per month is $50 and $28 for cats. Of course, this depends on several factors, including:

    • Location
    • Coverage add-ons
    • Pet age
    • Pet species
    • Pet breed
    • Deductible and reimbursement rates

    Ultimately, dogs have a higher insurance cost for accident and illness coverage than cats. Older and larger animals also have higher prices since they are more likely to have medical issues.

    At the time this post is published, dog insurance rates are increasing while cat insurance rates fluctuate. It depends on the company you go through.

    Here’s the bottom line: you need a pet insurance company with the best accident and illness coverage and rates.

    Plan Customization

    A good pet insurance company has standard accident and illness coverage with decent pricing. An excellent pet insurance company has standard accident and illness coverage with customizable options and monthly rates.

    All pet households are different because we live different lives. A dog living in a city apartment will face other obstacles than a farm dog and vice versa. Customizable plans allow you to pay for coverage you know you’ll need and say no to the coverage you’re not willing to pay for.

    Usually, a diverse set of monthly plans and customizable coverage are best. Just watch out for paying for services you don’t intend to use.

    pet insurance form
    Image Credit: Rawpixel.com, Shutterstock


    Can I Get Pet Insurance Outside the US?

    If you don’t live in the US and want pet insurance, you’ll need to shop for pet insurance that offers coverage in your area. For example, many US pet insurance companies only cover pet health in the US. They may offer coverage while you’re on vacation, but that could change if you move outside the country.

    What if My Insurance Company Is Not Listed in Your Reviews?

    You can choose whichever pet insurance company you feel keeps your pet healthy and safe. This list isn’t comprehensive. Several pet insurance companies offer great coverage for multi-pet households. Our goal is to give you options to make the best decision for you and your pet.

    What Is the Best and Most Affordable Pet Insurance?

    There are lots of affordable pet insurance companies. For this article, we’ve chosen Pets Best as the most affordable because they offer great rates, customizable options, and no payout limits.

    Will I Get to Choose My Vet?

    That depends on which company you go through. Most of the insurance companies we listed for you today allow you to choose your vet, except for Pet Assure. If you have pet insurance through an employer, that might prohibit you from choosing your own vet.

    veterinarian examining pug dog and cat in clinic
    Image Credit: New Africa, Shutterstock

    What the Users Say

    Accidents and illnesses are the biggest reason why pet owners buy insurance. Most pet insurance companies allow you to choose your own vet, and policies can be cheap for young pets. But overall, is it worth the cost? Especially if you have multiple pets?

    You have to answer two simple questions: Will it save you money? Will it give you peace of mind? Here’s what pet insurance users say about their experience:

    The costs of insurance can outweigh the benefits. It’s possible you’ll pay for coverage you never need to use or don’t use often. Prices also increase as your pet ages. With multiple pets, pet insurance becomes an expensive monthly bill. You’re left with the decision of who’s getting covered, and who isn’t.

    With one pet, you don’t have to juggle these choices. But it’s different when you have multiple pets.

    Pet insurance owners have found it’s best to avoid wellness coverage and pay for the basic accident and illness coverage if you have multiple pets. This helps keep costs low and allows the budget to stretch a little further.

    Some pet insurance owners suggest going with accident-only coverage if you’re on a tight budget but know one accident is a life-or-death situation. We agree that accident-only plans are a great idea for multi-pet homes on a budget.

    Which Pet Insurance Provider Is Best for You?

    So, what’s the verdict?

    We recommend Nationwide if you want pet insurance for multiple pets and have exotic pets. They cover cats, dogs, and exotic pets, and offer a multi-pet discount. Plus, their claims processing times are quick, so you don’t have to worry about how long the reimbursement comes through.

    If you don’t have exotics, we recommend Pets Best. They have cheaper policies, more discounts, no payout limits, and offer accident-only coverage.


    Shopping for pet insurance is challenging when you have multiple pets. We hope this list has helped you decide or at least given you some ideas about what to look for in an insurance company. We highly recommend Nationwide to cover your exotics, dogs and cats, if you have exotics.  Don’t worry about wellness coverage if you’re on a budget. You can always plan for annual wellness exams and vaccines. And if you’re on a tight budget, accident-only plans are a great option.

    There’s a pet insurance policy out there for every household. Only you can decide what’s right for you and your pet. So, take your time with your search, and always ask questions.

    Featured Image Credit: Reshetnikov_art, Shutterstock

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