Quick Dive
Vet bills for multiple pets can add up quickly. Our top picks for the best pet insurance for multiple pets offer competitive prices, solid coverage options and a multi-pet discount
Best Multi-pet Insurance Companies
Prudent Pet
Our Expert Review
Our team found that Prudent Pet is the best multi-pet insurance company for extra coverage perks, earning a 5.0-star rating from our research team. Prudent Pet combines very competitive prices with excellent base coverage, including coverage for lost and stolen dogs, as well as boarding costs if you are hospitalized. These extra coverage perks are hard to find elsewhere.
For a higher cost, the Prudent Pet Ultimate plan offers more coverage than the Essential plan and earned a 4.7-star rating from our research team.
Pros and Cons
| Its prices for unlimited annual coverage are well below average compared to other pet insurers in our analysis | No option to pay the vet directly |
| Includes coverage for vet exam fees, dental illnesses, behavioral therapy, alternative therapy, stem cell treatments, prescription food and supplements and end of life expenses | |
| The six-month waiting period for knee and ligament issues can be waived if you get a vet exam within the first 30 days of the policy | |
| 24/7 vet telehealth line available |
Consumer Sentiment Index
Prudent Pet enjoys positive reviews from its customers who note the company’s excellent customer service, easy claims process, affordable prices and comprehensive coverage. Some customers noted issues with unexpected fees, but these concerns are less frequent than positive experiences.
Coverage Details
| Coverage type | Plan details |
|---|---|
| Maximum annual coverage choices | Unlimited |
| Reimbursement choices | $100, $250, $500, $1,000 |
| Deductible choices | 70%, 80%, 90% |
| Age restrictions | No upper age limits |
| Waiting periods | 5 days for accidents, 14 days for illnesses, 6 months for knee and ligament issues (can be waived with a vet exam within the first 30 days of policy) |
| Vet exam fees | Included |
| Euthanasia or end-of-life expenses | Included |
| Wellness plan | Available at an extra cost |
| Microchipping | Yes, if you purchase a wellness plan |
Plan details may vary by state.
Spot Pet Insurance
Our Expert Review
Our research team found that Spot is the best Multi-pet insurance company for well-rounded coverage, earning a 4.9-star rating from our team. Spot offers strong core coverage that includes vet exam fees, behavioral therapy, alternative treatments, prescription medications and more.
Pros and Cons
| Includes vet exam fees, dental illnesses, behavioral therapy and alternative therapy | Has a waiting period of 14 days for accidents and illnesses |
| Offers multiple reimbursement options and deductible choices | Does not pay the vet directly |
| Coverage includes prescription medications and end-of-life expenses |
Consumer Sentiment Index
Spot customers give positive feedback about its simple claims process, fast reimbursements and responsive customer service. Many highlight the app’s ease of use and clear communication. Some customers do report premium increases and challenges when cancelling their policy.
Coverage Details
| Coverage type | Plan details |
|---|---|
| Maximum annual coverage choices | $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited |
| Reimbursement choices | 70%, 80%, 90% |
| Deductible choices | $100, $250, $500, $750, $1,000 |
| Age restrictions | Available for pets ages 8 weeks and older; no upper age limits |
| Waiting periods | 14 days for accidents; 14 days for illnesses; no extended waiting period for orthopedic issues |
| Vet exam fees | Included |
| Euthanasia or end-of-life expenses | Included |
| Wellness plan | Available at an extra cost |
| Microchipping | Included |
ASPCA
Our Expert Review
Our team found that ASPCA is one of the top pet insurance companies for comprehensive coverage, earning a 4.8-star rating from our research team. The insurer includes coverage for vet exam fees, dental illnesses, hereditary conditions and behavioral therapy
Pros and Cons
| Includes coverage for dental illnesses, behavioral therapy and alternative treatments | Does not offer direct payment to veterinarians |
| Vet exam fees and prescription medications are covered | |
| Offers several deductible and reimbursement options |
Consumer Sentiment Index
ASPCA Pet Health Insurance receives mixed reviews from customers. Complaints sometimes reference rising premiums, lower-than-expected reimbursements and slow claim processing. Customer service is sometimes described as difficult to reach or unhelpful, and some customers say policy terms were unclear.
Coverage Details
| Coverage type | Plan details |
|---|---|
| Maximum annual coverage choices | $2,500, $5,000, $7,000 or $10,000 |
| Reimbursement choices | 70%, 80%, 90% |
| Deductible choices | $100, $250, $500 |
| Age restrictions | Dogs and cats ages 8 weeks and older; no upper age limits |
| Waiting periods | 14 days for accidents; 14 days for illnesses; no extended waiting period for orthopedic issuers |
| Vet exam fees | Included |
| Euthanasia or end-of-life expenses | Included |
| Wellness plan | Available at an extra cost |
| Microchipping | Yes (if you buy a wellness plan) |
Pets Best
Our Expert Review
Our research team found that Pets Best is the best for paying the vet directly, earning a 4.8-star rating from our research team. This feature can help reduce the need for pet owners to pay large vet bills up front.
Pets Best also offers a less comprehensive option, the Essential Plan, which received a 4.7-star rating from our research team.
Pros and Cons
| Offers a 24/7 pet health helpline | Does not cover supplements or prescription pet food |
| Covers euthanasia for humane reasons | Cruciate ligament injuries have a longer waiting period |
| Provides a one-month trial for pets ages 8 and under through participating clinics |
Consumer Sentiment Index
Pets Best customers frequently mention affordable premiums for younger pets, strong coverage options and flexible plan customization. However, a number of policyholders report delays in claim processing and inconsistent turnaround times. Some also describe difficulty reaching customer service or getting timely responses.
Coverage Details
| Coverage type | Plan details |
|---|---|
| Maximum annual coverage choices | $5,000, $10,000, Unlimited |
| Reimbursement choices | 70%, 80%, 90% |
| Deductible choices | $50, $100, $200, $250, $500, $1,000 |
| Age restrictions | Available for pets ages 7 weeks and older; no upper age limits |
| Waiting periods | 3 days for accidents; 14 days for illnesses; 6 months for cruciate ligament conditions |
| Vet exam fees | Included |
| Euthanasia or end-of-life expenses | Included |
| Wellness plan | Available at an extra cost |
| Microchipping | Yes (if you buy a wellness plan) |
Figo Pet Insurance
Our Expert Review
Our research team found that Figo is the best for plan upgrades, earning a 4.6-star rating from our research team. Figo’s base plan can be expanded with add-ons, called “Powerups”, such as coverage for vet exam fees and routine care through a wellness plan, letting you build more complete coverage beyond the standard accident and illness policy.
Pros and Cons
| Offers 100% reimbursement option, which is hard to find at other insurers | Does not offer direct vet payment |
| Covers alternative therapy such as chiropractic care and acupuncture | |
| Covers dental illnesses |
Consumer Sentiment Index
Figo customers often highlight its easy claims process, quick reimbursements and user-friendly mobile app. Many also mention competitive pricing. On the downside, some customers report rising premiums over time and say responses from customer support can occasionally be slow.
Coverage Details
| Coverage type | Plan details |
|---|---|
| Maximum annual coverage choices | $5,000, $10,000, Unlimited |
| Reimbursement choices | 70%, 80%, 90%, 100% |
| Deductible choices | $100, $250, $500, $750 |
| Age restrictions | Available for pets 8 weeks and older; no upper age limit |
| Waiting periods | 1 day for accidents; 14 days for illnesses; 6 months for orthopedic conditions but can be waived with an orthopedic exam |
| Vet exam fees | Add-on option available |
| Euthanasia or end-of-life expenses | Included |
| Wellness plan | Available at an extra cost |
| Microchipping | Yes (if you buy a wellness plan) |
Nationwide
Our Expert Review
Our research team found that Nationwide is one of the best Multi-pet insurance companies for budget-minded pet owners, earning a 4.6-star rating from our research team. Nationwide is one of the most affordable options in our analysis, though some pet owners may find the $10,000 annual coverage limit inadequate.
Pros and Cons
| Offers customizable coverage options through its modular plan structure | No option to pay the vet directly |
| Includes coverage for vet exam fees and dental illnesses | 12-month extended waiting period for cruciate ligament issues |
| Provides optional wellness coverage |
Consumer Sentiment Index
Nationwide pet insurance gets mixed feedback from customers. Some say the coverage helped offset large veterinary bills and that submitting claims was relatively straightforward. Others report unexpected policy changes or non-renewals, particularly for older pets, sometimes with little advance notice.
Coverage Details
| Coverage type | Plan details |
|---|---|
| Maximum annual coverage choices | $2,500 or $5,000 for accidents; $5,000 or $10,000 illnesses |
| Reimbursement choices | 50% to 80% |
| Deductible choices | $250 |
| Age restrictions | Varies depending on plan |
| Waiting periods | 14 days for accidents; 14 days for illnesses; 12 months for cruciate ligament issues |
| Vet exam fees | Included |
| Euthanasia or end-of-life expenses | Included |
| Wellness plan | Available at an extra cost |
| Microchipping | Yes (if you buy a wellness plan) |
User Opinions of Pet Insurance Companies
Forbes Advisor collects user sentiment both directly through NPS surveys and indirectly by collecting user feedback across the internet using the Consumer Sentiment Index (CSI). This is how real users described their opinion of the top pet insurance companies:
| Plan | CSI rating | How Likely To Recommend | Common Positive Sentiments | Common Negative Sentiments |
|---|---|---|---|---|
| Prudent Pet | 8.0 | Likely to recommend | Excellent customer service | Unexpected fees |
| Pets Best | 6.1 | Somewhat likely to recommend | Affordable prices for younger pets | Lengthy and inconsistent claims processing times |
| Spot | 6.6 | Somewhat likely to recommend | Quick claims processing | Premium increases and difficulty canceling a policy |
| Nationwide | 5.6 | Somewhat likely to recommend | Ease of claims process | Rising costs and changes in coverage terms |
| Figo | 6.0 | Somewhat likely to recommend | Quick reimbursement | Dissatisfaction with premium increases and customer service |
Factors That Affect the Cost of Multipet Insurance
The cost of pet insurance is affected by a variety of rating factors, including:
Age of Pet
Pet insurance rates are higher for older pets because their likelihood of illnesses and injuries increases.
Coverage Type
If you pick comprehensive pet insurance plans for your multiple pets, you’ll pay more. For instance, choosing accident and illness plans for your two dogs will cost more than accident-only plans.
Deductible Amount
A pet insurance deductible is the amount you pay toward vet bills every year before your coverage starts. Common choices are $100, $250 and $500. A higher deductible will lower the cost of your pet insurance.
Reimbursement Level
You usually have to pay your pet’s medical expenses up front and submit a claim to be reimbursed. You chose the level of reimbursement you’ll receive. Common levels include 70%, 80% and 90%. You’ll pay higher prices for a higher reimbursement level.
Location
The cost of veterinary care in your local area will affect your pet insurance price. Generally, higher average care costs will result in higher pet insurance costs.
Pet’s Breed
Pets predisposed to illnesses or injuries pose a greater risk to pet insurers of having more vet visits and higher medical expenses. The result is higher costs for certain breeds or types of dogs, such as larger dogs known for heart and hip ailments.
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