Best Pet Insurance for Multiple Pets in 2025: What to Know
If you’re a pet parent to more than one furry friend, you’ve probably asked yourself: Can I insure them all under one plan? With the rising costs of veterinary care in 2025, finding the best pet insurance for multiple pets isn’t just about convenience—it’s about real savings and smarter protection. Let’s break down what multi-pet households need to know before choosing a plan.
Can One Pet Insurance Policy Cover Multiple Pets?
Yes, but with caveats. Most major pet insurance providers offer multi-pet discounts, but each pet still gets its own policy. What’s bundled is the billing and sometimes the customer service. In other words, you’re not buying one master policy that shares a deductible or max payout—it’s more like buying policies in bulk.
Key Differences:
| Feature | Single Policy Per Pet | Multi-Pet Discount Option |
|---|---|---|
| Individual Deductibles | Yes | Yes |
| Shared Annual Limit | No | No |
| Combined Billing | N/A | Yes |
| Discount Applied | No | Usually 5%–10% per additional pet |
Why Multi-Pet Discounts Matter in 2025
According to the North American Pet Health Insurance Association (NAPHIA), average premiums in 2025 rose by 7% YoY, with dogs costing about $56/month and cats about $33/month. If you’re insuring three pets, that adds up fast.
A 5% discount per additional pet can mean saving over $100 annually, especially with higher-tier accident and illness plans. The more pets you insure, the more you save.
Top Pet Insurance Providers for Multiple Pets (2025)
Here are some of the most multi-pet-friendly providers this year:
| Provider | Multi-Pet Discount | Shared Deductible? | Notable Features |
|---|---|---|---|
| Lemonade | 10% | No | AI-powered claims, fast payouts, budget plans |
| Healthy Paws | No | No | Unlimited coverage, great for chronic care |
| Fetch by The Dodo | 10% | No | Covers holistic therapies and exam fees |
| ASPCA | 10% | No | Strong customer service, accident-only options |
| Spot | 5%-10% | No | Wide range of coverage choices, preventive add-ons |
👉 Tip: Be sure to check whether discounts stack with wellness plans or only apply to accident/illness coverage.
What If Your Pets Have Very Different Needs?
Maybe you have a young dog and a 12-year-old cat with health issues. Should they still be under the same provider? Possibly, but you’ll want to evaluate the following:
- Customizable coverage: Can you adjust deductibles, annual limits, and reimbursements per pet?
- Chronic condition coverage: Older pets may need longer-term treatment coverage.
- Wellness add-ons: These can be useful if you’re managing vaccines, dental cleanings, or spay/neuter procedures.
Not all providers let you tailor coverage on a per-pet basis. So while you may benefit from multi-pet pricing, you’ll lose flexibility.
Cost Comparison: Single vs. Multi-Pet Plan (3 Pets)
| Coverage Level | Monthly Premium (Per Pet) | Multi-Pet Discount | Annual Savings (Estimate) |
|---|---|---|---|
| Basic | $30 | 5% | $54 |
| Mid-tier | $45 | 10% | $162 |
| Comprehensive | $65 | 10% | $234 |
These savings assume average pricing. Always compare quotes based on your pets’ breed, age, and location.
Things to Watch Out For
- Enrollment fees: Some insurers charge per pet.
- Waiting periods: Typically apply to each pet separately.
- Exclusions: Pre-existing conditions won’t be covered—no matter how many pets are insured.
Frequently Asked Questions (FAQ)
Q: Can I get one deductible for all my pets?
A: Unfortunately, no. Each pet will have its own deductible—even with a multi-pet plan.
Q: What happens if one of my pets passes away mid-policy?
A: Most insurers will adjust your premiums going forward, but you should notify them immediately to stop billing.
Q: Is there a limit to how many pets I can include?
A: Usually not. Some providers even offer farm or exotic pet coverage if you have a large or diverse pet household.
Q: Do wellness plans offer multi-pet discounts too?
A: Some do, but most are priced individually. It’s best to ask your provider directly.
When Is It Worth Combining Pet Insurance?
If all your pets are relatively healthy and don’t require vastly different types of care, combining under one provider with a multi-pet discount makes financial sense. But always get individual quotes—because sometimes separate providers for separate pets may offer better value or broader coverage.
Looking for More?
You might also be interested in:
- Top 5 Best Value Pet Insurance Plans in 2025
- How to Choose the Best Value Pet Insurance Plan in 2025
- Senior Pet Insurance 2025: Can You Still Insure Older Pets?
Found this helpful? Share with fellow pet parents or leave a comment with your experiences below!
