Best Pet Insurance Companies for Multiple Pets (as low as $47)

Scores & Coverage

• MoneyGeek Score: 96 / 100
• Multi-Pet Discount: 5%–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 pet insurance offers an attractive 10% discount for each additional pet enrolled in a policy, making it an excellent choice for multi-pet households. According to MoneyGeek's analysis, Pumpkin offers the most affordable rates for multi-pet coverage, with policies starting at just $52 per month for two dogs with $5,000 coverage and $81 per month for $10,000 coverage. Their customizable pricing structure allows pet parents to adjust costs by selecting from four deductible options ($100, $250, $500, or $1,000) while maintaining their signature 90% reimbursement rate after the deductible is met. 

Coverage and Reimbursement Options
What sets Pumpkin apart is their consistent 90% reimbursement rate across all plans, significantly higher than many competitors. Their comprehensive coverage includes benefits many insurers exclude as standard, such as dental illnesses, behavioral problems, hereditary conditions, and parasite infections, without requiring additional add-ons. Pumpkin also maintains a notably short 14-day waiting period for all conditions—including orthopedic issues like hip dysplasia and knee injuries that typically carry six-month waiting periods with other providers—making them particularly appealing for breeds prone to these genetic conditions. 

Ease of Buying
Pumpkin's user-friendly quoting system guides customers through each step of the process, asking specific questions to recommend the most appropriate plan for your pet's needs and presenting a customized quote based on your responses.  There are no breed restrictions or upper age limits, with coverage available for all dogs and cats at least eight weeks old. The claims process is straightforward through their website or app, though processing times can take 2-4 weeks, which is longer than some competitors.

MoneyGeek Customer Review Analysis
Customer reviews for Pumpkin are overwhelmingly positive, with many praising the company's responsive customer service and efficient claims handling. One pet parent shared: "The personalized customer experience with this company is stellar... Pumpkin was so quick in processing claims and depositing funds that I was able to keep paying for vet services throughout the illness." The general consensus among customers highlights satisfaction with the 90% reimbursement rate, streamlined claims submission, and the helpfulness of customer service representatives, though some users mention longer-than-desired reimbursement timeframes.

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 offers a straightforward 10% discount for insuring multiple pets under one policy, making it an affordable option for multi-pet households. According to the updated pricing data, coverage for two dogs with a $5,000 policy costs an average of $56 per month, while a $10,000 policy averages $85 monthly. With a MoneyGeek Score of 91/100, GEICO remains one of the top-rated options for multi-pet insurance, offering excellent value for pet parents with multiple animals.

Coverage and Reimbursement Options
GEICO stands out with its flexible coverage options, offering maximum annual limits ranging from $5,000 to $30,000 to suit different budgetary needs. Pet owners can choose from multiple deductible options ($200, $300, $500, $750, or $1,000) and select reimbursement rates of 70%, 80%, or 90% of eligible expenses. The company also offers an optional Preventive Care plan covering essentials like microchip implantation, vaccines, and prescription diet food, allowing for comprehensive protection.

Ease of Buying
The policy enrollment process is user-friendly with relatively short waiting periods—just two days for accident coverage and 14 days for illness coverage. Unlike some competitors, GEICO doesn't require pets to be spayed or neutered by a specific age, though doing so may qualify for additional discounts. While GEICO ranks third in the updated $5,000 coverage category, its comprehensive options and competitive pricing for higher coverage tiers maintain its position as a top choice.

MoneyGeek's Customer Reviews
Pet owners frequently praise GEICO's combination of competitive pricing, comprehensive coverage options, and straightforward claims process. The company's reputation for reliability in the broader insurance market appears to extend to their pet insurance offerings, with customers appreciating the balance of affordability and comprehensive coverage. Though now ranked behind Pumpkin and ASPCA in some metrics, GEICO continues to be recognized for its quality service and value.

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%

Multi-Pet Policy Cost and Discounts
Pets Best offers a competitive 10% multi-pet discount, making it an attractive option for households with multiple animals. Their policies start at remarkably affordable rates—as low as $9 per month for dogs and $6 per month for cats with their accident-only plan, while their comprehensive accident and illness coverage provides excellent value at sample monthly premiums of $30.19 for dogs and $17.48 for cats. Beyond the multi-pet discount, Pets Best also provides special savings for military members and their families in most states, making their already budget-friendly options even more accessible. 

Coverage and Reimbursement Options
What truly sets Pets Best apart is their unmatched flexibility in coverage options. Their BestBenefit accident and illness plans come in three tiers (Essential, Plus, and Elite), all customizable with an industry-leading range of six deductible options ($50, $100, $200, $250, $500, or $1,000), three reimbursement rates (70%, 80%, or 90%), and the choice between $5,000 or unlimited annual coverage. For those seeking more basic protection, their accident-only plan offers a set $10,000 annual limit, a $250 deductible, and 90% reimbursement at exceptionally affordable rates. They also offer two optional wellness plan tiers to cover routine care expenses.

Ease of Buying
Pets Best makes enrollment and claims handling remarkably straightforward. With no upper age limit for enrollment and coverage available for pets as young as 7 weeks old, Pets Best provides accessibility that many competitors can't match. Their user-friendly mobile app and online customer portal allow policyholders to submit claims anywhere, manage all their pets' policy and medical documents in one place, and even connect with veterinary experts day or night for pet health questions. As an added convenience, Pets Best offers direct vet payment options, meaning eligible claims can be paid directly to your veterinarian rather than requiring out-of-pocket payment.

MoneyGeek's Customer Reviews
Pet owners consistently praise Pets Best for their combination of affordability, comprehensive coverage options, and responsive customer service. As one satisfied customer states: "Pets Best is an awesome company. I have used other pet insurance companies in the past, and they couldn't stand up to Pets Best. Great customer service, easy to use online. All around awesome!" Many policyholders particularly appreciate the company's foundation by veterinarian Dr. Jack Stephens, whose expertise and understanding of pet healthcare needs has translated into policies that truly meet the requirements of both pets and their owners. Their MoneyGeek Score of 86/100 reflects their solid reputation as a trusted provider focused on delivering flexible, affordable coverage.

Scores & Coverage

• MoneyGeek Score: 85 / 100
• Multi-Pet Discount: 5%–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 multi-pet discount program that ranges from 5-10% depending on your state, making it an attractive option for households with multiple animals. Beyond the multi-pet discount, Figo provides additional savings opportunities, including an exclusive discount for Costco members through the warehouse's financial products department.  Their customizable pricing structure allows pet parents to adjust costs by selecting from various annual coverage limits, deductibles, and reimbursement percentages to fit specific needs and budgets.

Coverage and Reimbursement Options
What truly sets Figo apart in the marketplace is their industry-leading reimbursement options. Figo is the only pet insurance company to offer up to 100% reimbursement on eligible expenses, meaning pet owners could potentially have no out-of-pocket costs beyond their deductible for covered treatments. Their three-tiered plan structure—Essential ($5,000 annual limit), Preferred ($10,000 annual limit), and Unlimited—can be further customized with optional "Powerups" for wellness care and veterinary exam fees.  Figo's comprehensive coverage includes alternative therapies, mobility devices, hereditary conditions, and curable pre-existing conditions that have been symptom-free for at least 12 months.

Ease of Buying
Figo distinguishes itself as a tech-forward company with its unique Pet Cloud app, which enables policyholders to manage important documents, connect with other pet owners, find local pet services, and submit claims quickly from their smartphones. Their claims process is notably efficient, with an average turnaround time of just 2.6 working days—significantly faster than many competitors in the industry.  The company has no upper age limit for enrollment, making them particularly suitable for senior pets, and their one-day waiting period for accident coverage (compared to the industry standard of 14 days) means protection begins almost immediately.

MoneyGeek's Customer Reviews
With a MoneyGeek Score of 85/100, Figo has established a solid reputation among pet owners who appreciate their digital-first approach and flexible coverage options. One satisfied customer shared: "Not only did they come through when I needed them most, but the claims process was incredibly smooth and stress-free. Reimbursement was fast, communication was clear, and there were no frustrating delays or surprises." Customers particularly value Figo's 24/7 virtual vet access, transparent coverage explanations, and their unique "diminishing deductible" feature that reduces your annual deductible following claim-free policy years. While not quite reaching the top MoneyGeek scores of Pumpkin or GEICO, Figo's innovative approach and customization options make them an excellent choice for tech-savvy pet parents seeking maximum flexibility.