Multi-Pet Insurance Discounts: How to Save on Coverage for All Your Pets
Save money insuring multiple pets. Compare multi-pet discounts and strategies to protect your whole furry family affordably.
Michael Torres
Insurance Analyst
If you’re a multi-pet household, you’re not alone—and you’re also facing multiplied insurance costs. The good news? Most insurers reward pet parents who protect their entire furry family.
Multi-Pet Discount Overview
| Insurer | Discount | How It Works |
|---|---|---|
| ASPCA | 10% | Each additional pet |
| Pets Best | 5-10% | All pets in household |
| Embrace | 5-10% | Each additional pet |
| Healthy Paws | 5% | All pets |
| Lemonade | 5% | All pets |
| Nationwide | 5% | All pets under one account |
| Figo | 5% | Pack pricing |
| Spot | 10% | Multi-pet rate |
Real Savings Examples
Household 1: Two Dogs
| Insurer | Dog 1 Premium | Dog 2 Premium | Discount | Monthly Total |
|---|---|---|---|---|
| Without discount | $45 | $45 | - | $90 |
| With 10% discount | $45 | $40.50 | $4.50 | $85.50 |
| Annual Savings | $54 |
Household 2: Dog + Cat
| Insurer | Dog Premium | Cat Premium | Discount | Monthly Total |
|---|---|---|---|---|
| Without discount | $50 | $25 | - | $75 |
| With 10% discount | $50 | $22.50 | $2.50 | $72.50 |
| Annual Savings | $30 |
Household 3: Three Pets
| Insurer | Pet 1 | Pet 2 | Pet 3 | Discount | Monthly Total |
|---|---|---|---|---|---|
| Without discount | $50 | $45 | $25 | - | $120 |
| With 10% discount | $50 | $40.50 | $22.50 | $7 | $113 |
| Annual Savings | $84 |
Beyond Discounts: Other Ways to Save
1. Align Deductibles
Consider each pet’s health history when choosing deductibles:
- Healthy pet: Higher deductible ($500+) = lower premium
- Health-prone pet: Lower deductible ($200) = better protection
2. Stagger Coverage Levels
Not every pet needs the same coverage:
| Pet Type | Recommended Coverage |
|---|---|
| Young puppy | Comprehensive with wellness |
| Healthy adult dog | Standard accident/illness |
| Senior cat | Higher limits, lower deductible |
| Indoor-only cat | Basic coverage acceptable |
3. Annual vs Monthly Payment
Many insurers offer 5% savings for paying annually instead of monthly.
Example (three pets):
- Monthly total: $113 × 12 = $1,356/year
- Annual payment: $1,356 × 0.95 = $1,288/year
- Additional savings: $68
4. Bundle With Other Insurance
Some insurers (Nationwide, USAA) offer additional discounts for existing home/auto customers.
Best Insurers for Multi-Pet Households
1. ASPCA Pet Insurance
Best Discount: 10% per additional pet
- Flexible coverage options
- Covers dogs, cats, horses
- Wellness add-on available
2. Pets Best
Best Value: Competitive base rates + 5-10% discount
- Low starting premiums
- BestBenefit wellness plans
- 24/7 pet helpline included
3. Spot Pet Insurance
Best for Families: 10% multi-pet discount
- Unlimited annual limits option
- Covers 14-day refund period
- Preventive care options
4. Embrace
Best Features: 5-10% discount + unique benefits
- Diminishing deductible per pet
- Wellness Rewards program
- Each pet can have different coverage
Managing Multi-Pet Policies
Single Account Benefits
Most insurers let you manage all pets under one account:
- One login for all policies
- Combined billing (optional)
- Single claims portal
- Easy to add new pets
Separate Policies Benefit
Each pet maintains individual:
- Policy terms
- Deductibles
- Annual limits
- Claim history
This means a costly claim on one pet doesn’t affect others.
Special Considerations
New Pet Additions
Adding a new pet to your household?
- Enroll immediately: Puppies and kittens need fastest coverage
- Check waiting periods: May differ from existing pets
- Verify discount applies: Some insurers require same policy date
Different Species
Multi-pet discounts typically apply to:
- Dogs + Dogs ✅
- Cats + Cats ✅
- Dogs + Cats ✅
- Dogs/Cats + Exotic ⚠️ (Limited)
For exotic pets, Nationwide is often the only option for multi-pet households.
Senior Pets in Multi-Pet Households
If you have a senior pet:
- Consider higher coverage for seniors
- Enroll other pets at lower coverage levels
- Balance premiums across the household
Maximizing Your Multi-Pet Savings
Checklist
- Get quotes from at least 3 insurers
- Compare discounted totals, not individual rates
- Check annual payment discounts
- Verify all pets qualify for discount
- Consider different coverage levels per pet
- Ask about bundle discounts (home/auto)
Example Optimization
Household: 2 dogs (ages 3 and 6), 1 cat (age 2)
| Strategy | Monthly Cost |
|---|---|
| Same coverage all pets, no optimization | $140 |
| Multi-pet discount (10%) | $126 |
| + Tailored coverage per pet | $115 |
| + Annual payment discount (5%) | $109 effective |
| Total Savings | $31/month ($372/year) |
The Bottom Line
Multi-pet discounts are just the starting point. By tailoring coverage to each pet’s needs, paying annually, and choosing the right insurer, you can protect your entire furry family without breaking the bank.
Don’t leave money on the table—compare multi-pet quotes today and watch the savings add up.
Frequently Asked Questions
Do pet insurance companies offer multi-pet discounts?
Yes, most insurers offer 5-10% discounts for insuring multiple pets. Some like ASPCA and Pets Best offer up to 10% off each additional pet.
Is it cheaper to insure multiple pets on one policy?
Multi-pet discounts typically save 5-10% per pet. However, each pet still has its own policy with separate deductibles and limits, so compare total costs carefully.
Can I insure a dog and cat together?
Yes, multi-pet discounts apply to any combination of dogs and cats. Some insurers also include exotic pets in multi-pet households.