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Best Multi-Dog Insurance Plans of 2023

Lisa Scott

A dog insurance plan ensures your furry friends receive the best care, and it saves you money from large vet bills through reimbursements on medical treatment when things happen unexpectedly. We’ve looked at the top choices for coverage, multiple dog discounts, reimbursements, and overall quality.

Super-extensive accident & illness coverage

$20,000

Coverage Up To

90%

Reimbursement

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Multiple options for wellness plans

$100,000

Coverage Up To

90% - 100%

Reimbursement Rates

Overview

Wagmo began by providing stand-alone pet wellness coverages. Today, it has expanded its portfolio to include customizable pet insurance coverage.

What we like

  • Customizable policies
  • Variety of wellness plans
  • Fast reimbursements
  • High incident limits
  • Visit a vet of your choice

What we don't

  • 15 day waiting period on accident policy

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Short waiting periods on accidental coverage

$25,000

Coverage Up To

50% - 100%

Reimbursement

Overview

MetLife Insurance offers pet insurance for cats and dogs and is known for the shortest waiting periods in the industry.

What we like

  • No restriction on breeds and pet age
  • Customizable annual benefit limits
  • Short waiting periods accidental coverage
  • Flexible deductibles from $50 to $2,000
  • No incident limits

What we don't

  • Wellness treatment not included (optional add-on)
  • Pay first out of pocket and reimbursed later

Quick claims process

$10,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Spot will insure older animals and provides a multi-pet discount when you insure two or more pets

What we like

  • Multi-pet discount
  • No upper age limit
  • Quick claims process
  • Fast and simple filing of claims
  • Optional no lifetime limits or caps on payouts

What we don't

  • Customer service limited to weekdays
  • 14 day waiting period

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Provides holistic therapy coverage

$15,000

Coverage Up To

70% - 90%

Reimbursement

Overview

Fetch covers various conditions and offers holistic therapy coverage.

What we like

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive dental coverage
  • No penalty for multiple claims
  • No upper age limit for the pets

What we don't

  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

No age limit on pets - older dogs and cats are covered

Unlimited

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Prudent pet has excellent coverage for your pet regardless of their age. The insurer can customize your plan from illnesses, medications, accidents to preventive care that will fit your pet's needs and financial situation. This plan will give you peace of mind that you won't break the bank with unlimited coverage if an emergency occurs since treatments tend to be more expensive for older pets.

What we like

  • Older cats and dogs are covered
  • Customize your plan to fit your pet's needs and financial situation
  • Customers from US can get covered in Canada as well
  • Unlimited live vet chat if an issue occurs with your pet
  • 10% multiple pets discount

What we don't

  • Pre-existing health conditions not covered
  • Wellness add-ons can get expensive

Is multi-dog Insurance worth it?

Keeping up with multiple dogs is hard work. Whether you have a few of the same breed or all different breeds, each dog requires unique care to keep them happy and thriving.

A multi-dog insurance plan will help you keep each of your dogs healthy and happy with individual insurance plans under the same provider. These insurance policies consist of unique plans covering each dog for its specific age, breed, and medical history. Though you may keep up with your dogs’ health regularly and bring them in for check-ups often, you are never able to anticipate when sudden illness or injury may strike. For unexpected medical issues, multi-dog insurance can help you ensure you’re able to get your dogs the treatment they need.

Having multiple dogs, there may be times where you have more than one dog sick at once. Medical treatment for multiple dogs can add up quickly – but with insurance coverage, you can be confident that you’ll be able to afford treatment for whatever your dogs need.

What does multi-dog insurance cover?

Multi-dog insurance covers a range of medical treatments and procedures, depending on your provider and their various policies. They often cover treatments including:

  • Pest treatment: Bug bites, fleas, ticks, and other pest issue treatments are often covered by multi-dog pet insurance plans.
  • Diagnostic tests: Blood tests, urine tests, and other diagnostics are often covered to help diagnose your dogs.
  • Surgery and hospitalization: Most insurance plans will cover costs related to significant injuries or illnesses that require surgery and hospitalization.
  • Fractures and breaks: If your pet is injured and breaks or fractures a bone, many providers will cover treatments to fix these issues.

Multi-dog insurance plans will individually insure each of your dogs to provide them the medical treatment they need for unexpected illnesses or injuries. Additionally, many plans will also cover dogs for any hereditary or congenital conditions they have that require medical treatment.

However, most pet insurance policies will not cover any pre-existing conditions present ahead of their coverage beginning. Additionally, many will not cover wellness or preventive care treatments. For coverage related to regular check-ups with a vet, or routine and preventive care procedures, you will either need to take advantage of add-ons to an existing plan, or get a separate wellness coverage plan.

How are multi-dog insurance premiums determined?

There are many details that help to determine your multi-dog insurance plan’s monthly premiums. Here are some of the things that contribute to your premium:

  • Ages: For each individual plan, you may be required to pay more or less depending on your dogs’ ages. Older dogs typically have more expensive insurance premiums as they are more likely to get ill.
  • Breeds: Different dog breeds are more likely to contract certain illnesses or develop specific medical conditions. For dog breeds that are more susceptible to medical issues, they will often have higher monthly premiums.
  • Number of dogs: Most insurance providers that offer multi-dog insurance coverage will offer a deal for each dog you add to your plan. This can be discounts for each plan you add on, or a discount for your plans’ total.
  • Plans details: Depending on what your plan covers in terms of treatments, you may need to pay more for more robust plans. Additionally, what your plan offers for reimbursement amounts, coverage caps and yearly deductibles will contribute to your overall monthly premium.

Additionally, if you include any add-ons to your plan, including wellness or routine care add-ons, you may be expected to pay more overall.

How to choose the best multi-dog insurance plan?

You have a lot to consider when choosing the best multi-dog insurance plan for your pets. Here are some things to keep in mind:

  • Your dogs’ needs: Each of your dogs have unique needs depending on their age, breed and overall medical history. You will want to ensure your future insurance plan covers each of your dogs effectively.
  • Compare plans: Different plans cover a range of treatments and procedures, often differing from one another in terms of what they have to offer and monthly premiums. Compare each plan’s details fully to figure out which one offers the best overall coverage and price for your dogs.
  • Review customer feedback: Read the reviews from customers who have the plans you are looking at for your own pets. This will give you a good idea of what to expect when you file a claim and what their customer service is like. Additionally, take a look at whether your insurance provider is accredited by any trusted organizations, such as the Better Business Bureau. We’ve also written a review on certain providers that can be helpful for you to decide on which insurer to go with.

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