Pet Insurance for Multiple Pets

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5 min read
5 min read

Updated - Aug 25th, 2022

Many pet owners don’t limit their love to just one pet. After all, who doesn’t love a big fur family?

But as your pet family members grow in numbers, sometimes it can lead to double (or triple) the trouble when it comes to veterinary care. Caring for multiple pets potentially means more accidents & illnesses, which can lead to more vet visits and ultimately, more money spent on vet bills. What’s a pet owner to do when they want to maintain the health and wellness of multiple fur babies?

A pet insurance plan for multiple pets can help!

We’re explaining how to get pet insurance for multiple pets, what pet insurance plans cover, and why getting coverage is so important. Whether you’re a two-pet or twelve-pet household, here’s what you need to know about buying pet insurance plans for multiple pets. 

How do you cover multiple pets with pet insurance?

Pet insurance coverage options vary widely from plan to plan – but the good news is that most pet insurance providers help pet owners purchase insurance for multiple pets. With some pet insurance plans, enrolling multi-pets is even encouraged – multi-pet discounts can range from 5-10% for each additional pet you enroll, which can help reduce the price of your plan.

You can get a multi-pet discount when you enroll an additional pet with a Pumpkin Pet Insurance plan. That means that you receive a 10% multi-pet discount for each additional pet you enroll. Learn more and get a free quote today!

How does pet insurance work for multiple pets?

Pet insurance plans reimburse pet parents for their pet’s vet care costs based on eligible claims they file. In Pumpkin’s case, pet parents pay their veterinary bills as usual following a vet visit, then file claims for eligible pet care for accidents & illnesses. It doesn‘t matter which veterinarian you visit, either. The coverage applies to all eligible veterinary care, nationwide. 

One difference between multiple pets vs. one pet is that the costs are, well, multiple. The math is pretty simple: you’re visiting the vet more often than you would be if you had only one pet.

Do I need separate policies for each pet?

There’s no one answer to this. The way each pet insurance plan works may be different. You may be insuring multiple pets under one pet insurance policy, or taking out a separate policy for each pet. It’s always worth taking the time to read up on the plan you’re interested in to see how it works.

What’s the best pet insurance plan for multiple pets?

This completely depends on you and your pet’s needs. If you’d like to check out the multi-pet insurance coverage available with different plans (like Figo plans, Trupanion plans, Healthy Paws plans, or Lemonade plans), just use our no-frills compare page here.

Is there anything else I should know about insuring multiple pets?

Always double check your pet insurance policy for each pet. You may be able to customize options for each pet’s plan, such as paying a different or separate annual deductible for each pet. This deductible amount may vary depending on your plan. 

Filing claims for your pet usually isn’t any different if you have multiple pets, but since you’re juggling more paperwork and records, it’ll help to stay organized and keep each pet’s records separate.

What does pet insurance cover for my pets?

No matter the size of your fur family, any and all pets can get into trouble when you least expect it! Luckily, veterinary medicine has come a long way. Plus, pet insurance can help pet parents afford the best care for their pets by reimbursing a percentage of eligible veterinary bills for unexpected accidents & illnesses.

What counts as an unexpected accident or illness? There are so many pet health issues that could pop up suddenly in your pets life – too many to list! But here are some common health issues pets may face: 

  • Swallowed objects or poisons (we’re talking toxic plants, garlic, fabric, cables…)
  • Respiratory illnesses like kennel cough or influenza
  • Injuries like bite wounds or broken bones
  • Parasite infections like heartworms or whipworms
  • Dental diseases like gum disease
  • Digestive illnesses like pancreatitis

Separate from accidents & illnesses, all pets need annual wellness care to stay in tip-top health. For routine health care costs such as vaccines and checkups, some pet insurance providers have an optional, add-on wellness package or wellness plan available, which can help cover the cost of eligible preventive care. Always look at the options different pet insurance providers offer to see if they offer these additional benefits. We recommend considering a wellness package, especially if you have multiple young pets who are all undergoing their routine care “firsts” at the vet. It can be a lot to finance all at once!

Why might a Pumpkin Pet Insurance plan be the right fit for your fur family?

  • All pets eight weeks and older can enroll in accident & illness coverage.
  • Pumpkin plans include both dog insurance plans and cat insurance plans
  • Pumpkin plans have no upper age limits for older pets. (That means you can enroll both your new pup and your older cat if you’d like!)
  • Pumpkin plans have a high 90% reimbursement rate fur all.

Pet insurance plans can help you feel confident that you can get your pets the eligible accident & illness care they need so they have help staying happy and healthy as long as possible. Curious how much pet insurance plans would be for multiple pets? Fetch your free pet insurance quote from Pumpkin to find out!


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 (NAIC #21113. Morristown, NJ), a Crum & Forster Company and produced by Pumpkin. Pumpkin receives compensation based on the premiums for the insurance policies it sells. For more details visit pumpkin.care/underwriting-information and pumpkin.care/insurance-licenses.

Pumpkin Team

Pumpkin Team

Passionate Pet Experts & Parents
We are a team of writers, designers & product developers who all double as passionate (ok, obsessive) nerds of the pet world.
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