Does Pet Insurance Cover Multiple Pets

Does pet insurance cover multiple pets? This question has been asked by lots of pet owners. Many would really love to get answers to this question- Does Pet Insurance Cover Multiple Pets?

Does pet insurance cover multiple pets? This question has been asked by lots of pet owners. Many would really love to get answers to this question- Does Pet Insurance Cover Multiple Pets?

The costs associated with owning pets can quickly pile up, what with the expense of food, boarding, and regular visits to the veterinarian; this is especially true in the event that one of your pets suffers a life-threatening condition. 

Does Pet Insurance Cover Multiple Pets

Pet insurance, especially multi-pet insurance, is available to pet owners as a means of easing the financial burden of expensive veterinary costs and helping to ensure that their dogs receive the care they require. With that, one may be moved to ask: does pet insurance cover multiple pets?

If you have multiple furry pets living with you, purchasing multi-pet insurance will help protect your animals from unforeseen expenditures associated with veterinary care. In addition to this, there is a possibility that you will be eligible for a discount if you insure more than one animal.

Even though some insurers will let you include multiple pets on a single policy, the majority of them will probably insist that you purchase individual insurance for each of your pets instead. 

It is important to keep in mind that the majority of providers of pet insurance will only offer coverage for cats and dogs. If you own any other animals as pets, such as birds, hamsters, snakes, or rabbits, you may be out of luck.

Here in this article, I will tell you everything you need to know about multiple pet insurance, how it works, And the possible discount you can get from multiple pet insurance. Let’s begin!

Does Pet Insurance Cover Multiple Pets

How Does Insurance Work When You Have Multiple Pets?

When you hear the term “multi-pet insurance,” you might assume that it refers to purchasing a single policy that covers all of your animals, but in most cases, this is not the case. 

When you insure more than one pet, you will normally need to purchase individual pet insurance plans for each animal, despite the fact that you will only need one account to administer all of the coverage.

 Aside from that one difference, the operation of multi-pet insurance is typically identical to that of individual pet insurance.

When calculating the cost of coverage, pet insurance providers will typically take a number of things into consideration, including your location, the breed and age of your pet, and your pet’s overall health. 

You will begin by choosing an appropriate plan that caters to the requirements of a pet, and then you will proceed to carry out the same steps for each additional pet that you wish to insure.

The reimbursement level, deductible, maximum amount of coverage, and monthly premium payment can all be customized for each pet insurance policy that you purchase. 

On the other hand, most insurance companies will let you manage numerous plans from a single account, effectively connecting the many policies together. 

As a result, you may centralize the filing of pet insurance claims and the processing of payments for multiple policies in a single location.

I have multiple pets; can I get a discount on my insurance?

You may be eligible for a discount if you insure more than one pet under your policy. The majority of companies that provide insurance for pets provide discounts of between 5 and 10 percent for customers who insure more than one animal.

The North American Pet Health Insurance Association reports that the annual premium for an accident and illness plan for a dog is approximately $585. 

Although this may not seem like a major price reduction, consider the fact that the average cost of pet insurance is approximately $585.

 If you have two dogs, your annual expenses will amount to approximately $1,170 on average. If you received a discount of 5% on each plan, you would save around $30 on each policy, which would bring your total savings for the year to $60. 

You would save $80 more with a discount of 10%, bringing your total savings to $120.

Hints: A helpful hint is that even if you have individual plans for each of your pets, you should be able to manage all of them through the mobile app or online portal that your insurance provider provides.

What Kinds of Expenses Are Included in a Policy That Insures Multiple Pets?

Policies that cover many pets are required to cover all of the same medical costs as those that cover a single animal. If you choose a plan that covers accidents and illnesses, you can count on having coverage for things like the following costs:

  • Ultrasounds
  • Broken bones
  • Surgery\Allergies
  • Diagnostic procedures and laboratory tests 
  • X-rays
  • Emergency Care
  • Scans such as MRIs or CTs
  • Ingestions of poisons and other toxins

If you choose an accident-only coverage, you’ll only be covered for emergent situations like getting cuts on your skin or accidentally swallowing something strange. In addition, if you choose to include wellness coverage in your plan, costs such as immunizations and regular checkups will be reimbursed to you.

How much does it cost to insure multiple pets at once?

The amount of money you spend for multi-pet insurance will differ from one insurance provider to the next as well as according to the specific coverage benefits included in each plan. When determining the cost of multi-pet insurance, insurance firms often take a number of things into consideration, including the following:

Age: Pets that are younger are less expensive to insure, but as they get older, their owners will see an increase in their premiums.

Breed: Certain dog breeds are more likely than others to suffer from certain injuries and illnesses.

 Shepherds, for instance, are more likely to require costly surgery due to hip dysplasia than other dog breeds like Cocker Spaniels. 

This is because Shepherds are larger in size. The costs of pet insurance accurately reflect this factor.

ZIP code: Where you live can have a significant impact on how much you pay for veterinarian care. Insurers take into consideration the location of your ZIP code as one of the factors when deciding the cost of insurance.

Deductible:  A deductible is the amount of money you are responsible for paying out of pocket before your insurance company begins to reimburse you for medically-related costs. If you choose a greater deductible, your monthly premium will be lower.

Reimbursement percentage: Several pet insurance companies let you decide the reimbursement proportion of your coverage. After you have met your deductible, the insurer will pay this amount toward the remainder of your veterinary expenditures. Common reimbursement percentages are 70 percent , 80 percent or 90 percent.

Coverage cap: While some insurance policies for pets have yearly coverage limits, such as $5,000, others offer limitless coverage limits for a greater premium.

Policy type:  comprehensive plan, such as an accident and illness policy, will likely cost more than getting an accident-only plan that just covers unexpected events. This is due to the fact that comprehensive plans cover more scenarios.

The number of pets: The higher the number of animals that you want to be covered under your policy, the higher the premiums will be.

Is it possible for me to hold many pet insurance policies with a variety of insurance providers?

There are circumstances in which purchasing insurance for numerous pets from the same provider, which typically results in savings for the policyholder, might not be the best decision.

Imagine that you want to get a comprehensive plan for your brand-new bulldog puppy that covers preventative care, but you want to purchase an accident-only plan for your 10-year-old Rottweiler.

 If this describes your situation, you may discover that it may save you money, in the long run, to purchase accident-only coverage from one insurance provider and a more complete policy from another.

According to Haugland, who works for Pets Best, “Coverage is typically the main motivator, followed by price when it comes to the reasons why you may choose separate pet insurance policies with various insurers.”

Where can I locate a policy that covers more than one pet?

Comparison shopping is the most effective method for locating an affordable multi-pet insurance policy that also satisfies the requirements for coverage that your dogs have. 

Shopping around for several policies is the best way to find the one that meets your needs given the wide variety of costs and protections available. Quotes are typically available online these days.

If you choose to do your shopping online, you have the option of going directly to the websites of the various insurance providers to request price estimates or using a comparison website that will allow you to look at a number of different possibilities all in one location.

You can typically chat with an insurance agent about your choices in person, over the phone, or via email. If dealing with an insurance agent makes you feel more at ease, you are welcome to do so.

Top 10 Cheap Pet Insurance Companies

The table below presents the ten reputable and reliable insurance companies in the world:

Rank   Insurer                                  Monthly dog cost   Annual dog cost

1. Embrace                                   $25.25 $303.00

2. Figo ($10,000 annual max) $31.13 $373.56

3. Nationwide                                  $33.08 $396.96

($250 deductible, unlimited max)

4. PetFirst                                 $34.95 $419.40

5. AKC/PetPartners.                         $35.00           $420.00

($3,000 incident max)                      

6. ASPCA.                                  $39.94 $479.28

7. Petplan.                               $40.83 $489.96

8. PetsBest.                              $44.19 $530.28

9. HealthyPaws (no annual max) $52.09 $625.08

10. Trupanion                                      $58.14          $697.68

(no annual max, 90% reimbursement)

What Is Excluded from the Coverage of Pet Insurance?

The following are some common exceptions not covered by pet insurance:

Conditions that were already present:

In most cases, a pet’s illness or injury won’t be covered by insurance if it has already been diagnosed or if the pet shows signs of being sick or injured before coverage begins. 

However, there are pet insurers that will provide coverage for pre-existing diseases that are considered “curable” for the animal. For instance, Embrace Pet Insurance would reestablish coverage for a curable pre-existing condition provided the medical records demonstrate that the condition has not shown any signs of manifestation for at least a year and a half.

Preventive or elective procedures:

The plans will not include coverage for preventative or elective operations including nail clipping, ear cropping, declawing, or tail docking.

Exam fees:

Exam fees are not covered by some insurance policies, even if the visit is due to an illness or accident, according to certain insurance providers. A visit to the veterinarian will cost you money in the form of an exam fee.


When you take your pet to the salon for some pampering, your pet insurance won’t pay for the grooming or shampooing services that are provided there.

Breeding costs:

The expenses that are related to breeding are not taken care of.

Expenses not related to veterinarian care:

This covers costs such as taxes and administrative fees levied by the veterinarian for their services.

Food and vitamin supplementation:

However, some plans do include coverage for pet food that is prescribed by a veterinarian.

Frequently Asked Questions

Does making a claim on pet insurance raise the monthly premium?

 If you have already filed one claim with your insurance company, they may believe that you are more likely to file other claims in the future, and as a result, they may raise your premiums.

Is it possible for me to transfer my pet’s insurance to the new owner?

Cancelling a pet insurance coverage might be an option for the policyholder in the event that the pet is no longer in their possession. According to the information provided by PetPlan, an insurer for pets, another alternative would be to transfer the policy to a new policyholder.

Is it possible to insure a pet more than once?

You can, in fact, ensure your dog more than once. However, you are only permitted to make a claim on one of your policies in the event that you need to recuperate or pay for veterinary costs in the event of an accident, illness, theft, loss, or any other associated component that necessitates insurance payout. It is considered fraudulent activity to submit a claim to more than one insurance.

Can I cancel Petplan anytime?

You have the ability to terminate this policy at any time. Petplan will refund you the portion of any premium paid that has not yet been earned. If you contact Petplan within the first thirty (30) days of the policy’s start date, and if you have not filed any claims against this policy, Petplan will return the total amount of the premium.

What does it mean to have an excess on pet insurance?

What does “excess” mean when it comes to pet insurance? When filing a claim for your pet insurance, you will be required to pay an amount known as the policy excess. 

The sum is subject to change depending on the insurer, and you typically have the option to pay a higher excess in exchange for a lower monthly premium. This is helpful because it provides you with the opportunity to regulate the costs.

Dr. Cynthia Ford

Hey, I am Dr. Cynthia Ford an absolute gem of a Veterinarian. Bringing to Petcarely decades of experience. I’ve got an overflowing talent and passion for breeding and taking care of pets(all kinds of pets), educating/guiding their owners, and building responsible pet owners. My goal is to give pets all over the world a better life and to recommend the best tips, advice, and product(s) to every pet owner.

Recent Posts