Top Pet Insurance Options for Multiple Pets in 2025
Our furry friends are an essential part of our families, and making sure they’re properly insured is an important part of their long-term care. Pet insurance allows you to cover your animals like you would your own kids. Most Americans (65%) own a pet, including about a third (37%) who have more than one. And nearly all U.S. pet owners (97%) say their pets are part of their family, according to a new pet research serve.
The top pet insurance choices for households with multiple pets in 2025 will be examined in this guide.
Why Choose Pet Insurance for Multiple Pets?
The best pet insurance for multiple pets depends on the type of animal, age, breed, where you live, the coverage you want, and other factors.Managing the healthcare of multiple pets can quickly become overwhelming, especially with unexpected illnesses or accidents. Multi-pet insurance:
- Saves Money: Many providers offer discounts when insuring multiple pets.
- Simplifies Management: A single policy for all pets makes claims and renewals more manageable.
- Provides Comprehensive Coverage: Protects against accidents, illnesses, and preventive care.
- Preventive Care Add-Ons: Vaccinations, dental cleanings, and wellness visits.
Top Pet Insurance Providers for Multi-Pet Households in 2025
1. Healthy Paws
Healthy Paws Pet Insurance is a highly rated provider offering simple, comprehensive coverage for accidents and illnesses. Known for its unlimited lifetime benefits, Healthy Paws does not impose caps on payouts, ensuring your pets are always covered regardless of the treatment costs.Healthy Paws also boasts a fast and efficient claims process, with many claims reimbursed within two days. While it doesn’t include wellness or preventive care options, its focus on broad accident and illness coverage makes it a trusted choice for pet owners.
With competitive pricing and multi-pet discounts available, Healthy Paws is an excellent option for pet parents looking for straightforward, dependable insurance that prioritizes their pets' health.
- Highlights: Unlimited lifetime benefits, fast claim processing, and affordable pricing.
- Discount: Up to 10% off for each additional pet.
- Best For: Pet parents seeking simple, comprehensive accident and illness coverage.
2. Trupanion
Trupanion is one of the grestest pet insurance companies around, offering one comprehensive plan for dogs and cats with highly customizable deductibles, 90% reimbursement plans, and unlimited coverage policies. Pets as old as 14 are eligible for coverage, so Trupanion can be a decent choice for senior pet insurance.
It provides illness and accident coverage for cats and dogs, including plans without limits and a lifetime, per-condition deductible, saving you money if your pet has recurring health issues. However, you would be better off using one of the other businesses on this list if your pet gets a lot of different diseases.
- Highlights: direct payments to vets, no payout limits, and extensive coverage options.
- Pets over 14 years old are ineligible for coverage, and illness coverage has a 30-day waiting period.
- Multi-Pet Discount: offers reduced premiums for additional pets.
- Best For: Families looking for tailored coverage per pet.
3. ASPCA Pet Health Insurance
The American Society for the Prevention of Cruelty to Animals (ASPCA) is a non-profit organization working to protect animals. Its main focus is on domestic pets, such as dogs and cats. It also gives pet insurance its name in keeping with those initiatives.
ASPCA Pet Insurance is among the best pet insurance companies, standing out for its shorter term periods and coverage flexibility. It allows you to get all the coverage you require from a single source by providing optional preventive care plans, no age restrictions, and a 10% discount for multiple pets. That said, ASPCA adjust premiums based on your pet's age, so you'll pay way more as your pet ages.
- Wide range of customizable plans, including accident-only and wellness options.
- Offers coinsurance of up to 90% of each eligible bill with a maximum of up to $10,000 per year
- Average Price $50 for dogs and $22 for cats
- Multi-Pet Discount: 10% discount for insuring two or more pets.
- Best For: Flexible coverage with affordable wellness add-ons.
4. Lemonade Pet Insurance
Lemonade Pet Insurance is a comprehensive insurance provider offering renters, home, auto, term life, and pet insurance. When purchasing additional insurance policies from Lemonade, pet owners who require additional services can save 10%. They can also earn a 5% multi-pet discount and an additional 5% discount for enrolling multiple pets. These discounts, along with generally low premiums, make Lemonade one of the cheapest pet insurance companies.
- Low premiums, tech-driven policy management, and a speedy claims procedure are the highlights.
- Discounts on additional pets with comprehensive plans.
- The best offer for pet owners who are thrifty and tech-savvy.
5. Embrace Pet Insurance
It is a versatile provider specializing in comprehensive pet insurance plans tailored to meet the unique needs of pet owners. Known for its diminishing deductible feature, Embrace reduces your deductible by $50 each year you don’t file a claim. Additionally, the company offers a 10% multi-pet discount, making it an excellent choice for families with multiple pets.
Embrace also provides wellness rewards, which allow pet owners to budget for preventive care like vaccinations, dental cleanings, and routine checkups. With customizable coverage options, no lifetime limits, and competitive pricing, Embrace stands out as a top choice for pet parents seeking reliable and affordable protection for their furry companions.
- Benefits: minimizing deductibles, wellness rewards, and broad coverage options.
- 10% off is offered to families with several pets.
- Ideal For: Pet owners who value preventative maintenance.
Conclusion
For both your peace of mind and the health of your furry family members, it makes sense to purchase pet insurance. With plenty of excellent multi-pet insurance options available in 2025, finding a plan that suits your needs and budget is easier than ever. The correct insurance plan can guarantee that your pets get the care they need without breaking the bank, whether you have energetic puppies, inquisitive cats, or both.
