Best Pet Insurance for Multiple Pets

The best pet insurance company for multiple pets is Lemonade, combining affordable rates with excellent customer service and flexible coverage options. Pets Best, Pumpkin and Spot are also great choices worth looking into.

Lemonade comes out ahead in 39 states for the best multi-pet insurance. Expect to pay an average between $154 and $597 annually, depending on your state.

From the companies we reviewed, Lemonade offers the cheapest multi-pet insurance for dogs at $39 per month, while Pumpkin has the lowest rates for cats at $15 per month. These prices are based on our standard comparison using a six-year-old Labrador Retriever and seven-year-old Ragdoll with $5,000 annual limits, $500 deductibles and 80% reimbursement rates. Hartville, ASPCA, Spot and Figo also offer affordable multi-pet coverage.

Pumpkin is consistently the cheapest multi-pet insurance provider for cats in all 50 states. Lemonade offers the most affordable coverage for dogs in 38 out of 50 states, while ASPCA provides the lowest rates in California.

The average cost of pet insurance for multiple pets is $53 per month for dogs and $25 per month for cats, based on our analysis of major providers MoneyGeek surveyed. Your actual costs may vary based on several factors, including your pets’ profiles, coverage limits and eligible discounts.

*The rates are based on a six-year-old Labrador Retriever and seven-year-old Ragdoll profile with $5,000 annual limits, $500 deductibles and 80% reimbursement rates.

Several key factors determine how much you'll pay for multi-pet insurance:

Getting coverage for multiple pets isn't required by law and many pet owners successfully manage veterinary costs without it. However, pet insurance is worth it when:

Buying pet insurance for multiple pets can feel overwhelming when you're trying to balance coverage and costs. Here's how to find the best value:

Lemonade is MoneyGeek’s top pick for the best overall multi-pet insurance. It offers the most affordable premiums for dogs at $39 per month, while Pumpkin is the most affordable option for cats, with monthly rates as low as $15.

Learn more about the top pet insurance companies to determine the best option for your pets:

We answered common questions about finding the best pet insurance for multiple pets below:

Households with multiple pets face unique insurance challenges from managing different coverage needs for each animal, understanding how multi-pet discounts actually work, and finding policies flexible enough to customize protection for a senior cat and a young dog on the same account. We designed this research to show you which providers offer the best combination of affordable multi-pet rates, generous discount structures, and flexible coverage management for pet owners protecting more than one animal.

We analyzed 20 major pet insurance providers in the United States, focusing specifically on their multi-pet policies, discount programs, and quotes to give you our top recommendations for households with multiple pets.

For consistent comparisons across all providers, we used identical policy parameters for every quote: $5,000 annual limit per pet, 80% reimbursement rate per pet, $500 deductible per pet, a 6-year-old Labrador Retriever if dog, and a 7-year-old Ragdoll if cat. These standardized profiles ensure you can accurately compare what you'll actually pay for covering multiple pets across different insurers.

We scored each company using three weighted categories: Affordability (50%) gathered quotes for multi-pet households and compared rates against competitors within each state, analyzing how each company structures and applies multi-pet discounts and whether discounts apply to all pets or just additional ones. Customer Experience (30%) collected customer ratings from across the internet, specifically Trustpilot and Reddit, to calculate overall satisfaction. Coverage Options (20%) evaluated policy terms, add-ons, and coverage options with particular attention to multi-pet flexibility, including features like customizing coverage levels for different pets, policy management for multiple animals, and coverage options that benefit multi-pet households.

Why this approach matters for multi-pet owners: Multi-pet discounts vary dramatically between providers, with some offering 10% off all pets while others only discount additional pets, creating substantial cost differences. Managing multiple policies requires user-friendly platforms that let you adjust coverage independently for each pet, since your 10-year-old cat needs different protection than your 2-year-old puppy. Our multi-pet-specific analysis ensures you find insurers who understand household dynamics and offer genuine savings rather than marketing claims that don't translate to meaningful discounts when you actually insure multiple animals.