Welcome to FurSurely.com, your trusted guide for all things pet insurance. If you’re a pet parent with more than one furry, feathered, or scaly family member, you’re in the right place. Today, we’re diving into multi-pet insurance in 2025—a smart way to protect all your pets while potentially saving big on premiums. Whether you’re in the US, UK, Canada, or Australia, this guide will help you understand how multi-pet plans work, which providers offer the best discounts, and how you can maximize your savings.
As a fellow pet lover and insurance expert, I know how important it is to keep your pets healthy without breaking the bank. Multi-pet insurance can be a game-changer, offering convenience, cost savings, and peace of mind. But with so many options out there, “
it’s easy to feel overwhelmed. That’s why I’ve analyzed what top blogs like NerdWallet, MoneyGeek, and Pawlicy Advisor have covered—and filled in the gaps with unique insights, real-world examples, and actionable advice tailored for international pet owners.
Let’s get started!
What is Multi-Pet Insurance?
Multi-pet insurance allows you to cover all your pets—dogs, cats, and even other animals like birds or rabbits—under a single policy. This not only simplifies the insurance process but often comes with discounts that make it more affordable than insuring each pet separately. In 2025, multi-pet insurance has become increasingly popular as pet ownership rises and veterinary costs continue to climb, making it a practical choice for multi-pet households in the US, UK, Canada, and Australia.
Here’s why multi-pet insurance is worth considering:
- Cost Savings: Many providers offer discounts ranging from 5% to 15% when you insure multiple pets, potentially saving you hundreds annually.
- Convenience: Manage all your pets’ insurance under one policy, with one renewal date and one set of terms.
- Customizable Coverage: Tailor coverage to each pet’s needs, even within a single policy.
- Peace of Mind: Ensure all your pets are protected against unexpected vet bills.
How Multi-Pet Plans Work
Multi-pet insurance plans are designed to make insuring multiple pets easier and more affordable. Here’s how they typically work:
- Single Policy for Multiple Pets: You can insure all your pets under one policy, regardless of species (though some providers may have restrictions, such as limiting coverage to cats and dogs).
- Discounts for Multiple Pets: Most providers offer discounts when you insure more than one pet. These can range from 5% to 15%, or fixed amounts like £12 per pet per year, depending on the insurer and the number of pets.
- Customizable Coverage: You can often choose different coverage levels for each pet based on their age, breed, and health needs. For example, you might opt for higher coverage for an older pet prone to chronic conditions.
- Claims Process: When filing a claim, you’ll specify which pet received treatment. The insurer will reimburse you based on the policy’s terms, such as deductibles and reimbursement percentages.
- Shared or Individual Deductibles: Some providers, like MetLife in the US, offer shared deductibles (e.g., one deductible for up to three pets), while others require individual deductibles for each pet.
- Adding Pets: Most insurers allow you to add new pets to your existing policy, making it easy to expand your furry family.
However, “not all multi-pet plans are the same. Some providers may have restrictions, such as age limits (e.g., pets must be under nine years old) or requirements that all pets be of the same species. Always review the policy details to ensure they meet your needs. For more on what pet insurance covers, check out our article on What Does Pet Insurance Cover?.
Top Providers Offering Multi-Pet Insurance
Below is a curated list of top pet insurance providers offering multi-pet discounts or bundle plans, categorized by region. These providers were selected based on their reputation, coverage options, and discount percentages, ensuring relevance for pet owners in the US, UK, Canada, and Australia.
United States
- Pumpkin: Offers a 10% discount for each additional pet. Known for comprehensive coverage with no upper age limit and 80–90% reimbursement rates. Learn more.
- GEICO: Provides multi-pet discounts (exact percentage varies). Offers flexible coverage options up to $30,000. Learn more.
- Pets Best: 5% discount for insuring multiple pets. Covers accidents, illnesses, and wellness, with an average cost of $24–$32/month. Learn more.
- Embrace: 10% discount for two or more pets. Includes a 24/7 vet helpline and covers vet exam fees. Learn more.
- ASPCA: 10% discount for each additional pet. Supports animal welfare and covers dental illness. Learn more.
- Spot: 10% discount for insuring multiple pets. Covers alternative therapies and behavioral issues. Learn more.
- Figo: 5% discount for two or more pets. Offers unlimited coverage options and a user-friendly mobile app. Learn more.
- Lemonade: 5% discount for insuring multiple pets. Donates unused premiums to charity. Learn more.
- Trupanion: No specific multi-pet discount but offers coverage for multiple pets with unlimited options and direct vet pay. Learn more.
United Kingdom
- Petplan: £12 discount per pet every year for multi-pet insurance. Offers lifetime coverage for chronic conditions like diabetes. Learn more.
- Agria: 5% multi-pet discount. Endorsed by Crufts and covers hereditary conditions. Learn more.
- ManyPets: Offers multi-pet insurance with varying discounts. No excess fees and up to £15,000 in coverage. Learn more.
- Waggel: 10% discount for insuring multiple pets. Covers dental and alternative therapies with fast claims processing. Learn more.
Canada
- Furkin: 5% discount for insuring multiple pets. Includes a 24/7 telehealth helpline and covers exam fees. Learn more.
- Spot Canada: 10% discount for insuring multiple pets. Covers alternative therapies and behavioral issues. Learn more.
- Desjardins: Up to 15% off for insuring six or more pets. Offers customizable plans. Learn more.
- Trupanion Canada: No specific multi-pet discount but offers unlimited coverage and direct vet pay. Learn more.
Australia
- RSPCA Pet Insurance: 10% multi-pet discount for a second pet policy and each additional policy. No excess and up to $20,000 coverage. Learn more.
- Budget Direct: Offers multi-pet discounts up to 15%. Covers dental and behavioral issues. Learn more.
- Vets Choice: Provides multi-pet insurance with varying discounts. Includes a 24/7 vet support line. Learn more.
- Pet Insurance Australia: Offers multi-pet insurance, though specific discounts may vary. Learn more.
Note: Discounts and coverage details are subject to change. Always check with the provider for the most current information.
Comparison Table
To help you compare the top providers, here’s a table summarizing their multi-pet discounts, coverage highlights, and additional benefits:
| Provider | Country | Multi-Pet Discount | Coverage Highlights | Additional Benefits |
|---|---|---|---|---|
| Pumpkin | US | 10% for each additional pet | Accidents, illnesses, optional wellness; no upper age limit | 24/7 vet line, fast claims processing |
| GEICO | US | Varies | Accidents, illnesses; customizable limits | Part of GEICO, known for customer service |
| Pets Best | US | 5% | Accidents, illnesses, wellness; covers exam fees | 24/7 pet helpline, multi-pet discount |
| Embrace | US | 10% for 2+ pets | Accidents, illnesses, wellness; covers vet exam fees | 24/7 vet line, high reimbursement options |
| ASPCA | US | 10% for each additional pet | Accidents, illnesses; covers exam fees, dental illness | Supports animal welfare |
| Spot | US | 10% | Accidents, illnesses, wellness; covers alternative therapies | 24/7 vet line, covers behavioral issues |
| Figo | US | 5% for 2+ pets | Accidents, illnesses; unlimited coverage option | Mobile app for easy claims submission |
| Lemonade | US | 5% | Accidents, illnesses; donates unused premiums | User-friendly app, fast claims processing |
| Trupanion | US | None | Accidents, illnesses; unlimited coverage, direct vet pay | Covers curable pre-existing conditions |
| Petplan | UK | £12 per pet/year | Accidents, illnesses; lifetime coverage for chronic conditions | 24/7 vet video calls, covers behavioral issues |
| Agria | UK | 5% | Accidents, illnesses; covers hereditary conditions | Endorsed by Crufts, supports animal welfare |
| ManyPets | UK | Varies | Accidents, illnesses; up to £15,000 coverage | No excess, 24/7 vet video calls |
| Waggel | UK | 10% | Accidents, illnesses; covers dental, alternative therapies | Fast claims processing, mobile app |
| Furkin | Canada | 5% | Accidents, illnesses; covers exam fees, cancer treatments | 24/7 telehealth helpline, multi-pet discount |
| Spot Canada | Canada | 10% | Accidents, illnesses, wellness; covers alternative therapies | 24/7 vet line, covers behavioral issues |
Real Examples of Cost Savings
To illustrate the savings potential of multi-pet insurance, here are some hypothetical scenarios based on typical premiums and discounts:
Scenario 1: Two Dogs in the US
- Separate Policies with Pumpkin: $50/month per dog = $100/month total
- Multi-Pet Plan with Pumpkin: $90/month (10% discount on the second pet)
- Savings: $10/month or $120/year
Scenario 2: A Dog and a Cat in the UK
- Separate Policies with Petplan: £40/month for dog, £20/month for cat = £60/month total
- Multi-Pet Plan with Petplan: £54/month (10% discount on total premium)
- Savings: £6/month or £72/year
Scenario 3: Three Pets in Canada (Two Dogs, One Cat)
- Separate Policies with Spot Canada: $40/month per dog, $20/month for cat = $100/month total
- Multi-Pet Plan with Spot Canada: $90/month (10% discount for multiple pets)
- Savings: $10/month or $120/year
Scenario 4: Two Cats in Australia
- Separate Policies with RSPCA: $30/month per cat = $60/month total
- Multi-Pet Plan with RSPCA: $54/month (10% discount)
- Savings: $6/month or $72/year
These examples show how multi-pet discounts can add up over time, making insurance more affordable for households with multiple pets. For more on whether pet insurance is a good investment, read our article Is Pet Insurance Worth It in 2025?.
Frequently Asked Questions (FAQs)
- Can I insure different types of pets under the same multi-pet policy?
Yes, most providers allow you to insure different types of pets (e.g., dogs, cats, rabbits) under one policy. However, some may limit coverage to cats and dogs, so check with your insurer. - What if one of my pets has a pre-existing condition?
Pre-existing conditions are generally not covered, but some providers, like Trupanion, may cover curable conditions after a waiting period (e.g., 180 days). - Can I add a new pet to my existing multi-pet policy?
Yes, most insurers allow you to add new pets, provided they meet criteria like age limits (typically 8 weeks to 9 years old). - Is there a limit to how many pets I can insure under one policy?
Limits vary by provider. Some, like Desjardins, offer higher discounts for six or more pets, while others may cap the number of pets. - Does multi-pet insurance cover routine care?
Some policies include wellness coverage (e.g., vaccinations, check-ups), but many do not. Check if your plan offers it as an add-on. - Can I have different coverage levels for each pet?
Yes, many providers allow you to customize coverage for each pet within a single policy, such as higher limits for older pets. - What happens if I move to a different country with my pets?
Pet insurance is often country-specific, so you may need to switch providers. Some international insurers, like Trupanion, offer coverage in multiple countries. - Is multi-pet insurance cheaper than insuring each pet separately?
Generally, yes, due to discounts. However, costs depend on the number of pets, their ages, breeds, and coverage levels. - How do I file a claim for a specific pet in a multi-pet policy?
When filing a claim, specify which pet received treatment. The insurer will process it based on that pet’s coverage details. - Are there any drawbacks to multi-pet insurance?
Some plans may have higher premiums if one pet has significant health issues, and not all providers offer shared deductibles, which could affect savings.
Learn More
For more insights on pet insurance, check out these articles on FurSurely.com:
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There you have it—a comprehensive guide to multi-pet insurance in 2025. By choosing the right provider and plan, you can ensure all your pets are covered while keeping more money in your pocket. Happy insuring, and here’s to many healthy years with your beloved pets! 🐾
