Multi-Pet Discount Comparison
| Provider | Discount | Applies To | Notes |
|---|---|---|---|
| Healthy Paws | 10% | Each additional pet | Dogs and cats only |
| Embrace | 10% | All pets after first | Includes exotic pets |
| Nationwide | 5% | Each additional pet | All species covered |
| Pets Best | 5% | All enrolled pets | Dogs and cats only |
| ASPCA | 10% | Each additional pet | Dogs and cats only |
| Lemonade | 5% | Each additional pet | Dogs and cats only |
Note: Discounts and policies change frequently. Verify current offers when shopping.
How the Math Works
Let's say you have two dogs and the monthly premium for each is $50. With a 10% multi-pet discount on the second dog:
- First dog: $50/month
- Second dog: $45/month (10% off)
- Total: $95/month instead of $100
- Annual savings: $60
With three pets and the same structure, savings increase to $120 per year. The discount compounds as you add more pets.
When Multi-Pet Discounts Are Not the Best Deal
Here's the catch: a multi-pet discount from one company might still cost more than separate policies from different companies. Base rates vary significantly between providers.
For example, Provider A might charge $60/month per pet with a 10% multi-pet discount. Provider B might charge $45/month per pet with no discount. Two pets on Provider A costs $114/month. Two pets on Provider B costs $90/month. No discount beats a lower starting price.
Always compare total costs, not just discount percentages.
Mixing Providers for Different Pets
There's no rule saying all your pets must be insured with the same company. Some pet owners insure each pet with the provider offering the best rates for that specific animal.
This makes sense when you have pets with different needs. A young healthy cat might be cheapest on one platform while an older dog with health history might be better covered elsewhere. The administrative hassle of multiple policies is minor compared to potential savings.