If you share your home with more than one cat or dog, insuring all of them can add up fast — which is why a number of providers offer a multi-pet discount, typically a percentage off each additional pet’s premium. The discount itself is usually modest (around 5%–10%), but applied across multiple pets and multiple years, it can meaningfully reduce your household’s total pet insurance spend. This guide covers which providers offer multi-pet discounts, how much they’re worth, and other ways to save when insuring more than one pet.
Quick Answer: Multi-Pet Discounts by Provider
| Company | Multi-Pet Discount | Notes |
|---|---|---|
| Embrace | ~10% | Applied to each additional pet’s premium |
| Spot | ~10% | Stacks with other available discounts |
| ASPCA | ~10% | Applies when insuring multiple pets on the account |
| Nationwide | 5% | Available across its plan types |
| Fetch | ~5%–10% (varies) | Check current offer at signup |
| Healthy Paws | None | No stated multi-pet discount |
| Lemonade | None stated | Bundling with renters/home insurance may offer separate savings |
| Pumpkin | None stated | No dedicated multi-pet discount; preventive packs can be added per pet |
Discount availability and percentages can change and may vary by state. Always confirm current multi-pet discount offers directly with the provider when getting quotes for multiple pets.
How We Evaluated These Plans
We reviewed each provider’s published discount information and FAQ pages to identify which insurers explicitly offer a multi-pet discount, how the discount is calculated (percentage off each additional pet, or off the household total), and whether it can be combined with other discounts like annual-payment or military discounts.
How Multi-Pet Discounts Typically Work
In most cases, a multi-pet discount applies a percentage reduction (commonly 5%–10%) to the premium for each additional pet beyond your first insured pet. For example, if you insure two dogs and the second dog’s premium would otherwise be $40/month, a 10% multi-pet discount would reduce that second dog’s premium to $36/month. The discount usually applies for as long as you keep multiple pets insured under the same account — if you drop down to one pet, the discount typically disappears.
1. Embrace and Spot — Around 10% Off Additional Pets
Both Embrace and Spot offer a roughly 10% discount on premiums for additional pets insured under the same household. These discounts can typically be combined with other available discounts, such as paying annually instead of monthly.
Pros:
- One of the higher multi-pet discount percentages available
- Can often be combined with other discounts
Cons:
- Discount applies per pet, so total savings depend on how many pets you insure
2. ASPCA — 10% for Multiple Pets
ASPCA Pet Health Insurance also offers around a 10% discount when you insure more than one pet on your account, alongside its low $100 deductible option — a combination that can help households with multiple pets manage both monthly premiums and per-claim costs.
Pros:
- ~10% multi-pet discount
- Pairs well with low-deductible options for cost-conscious households
Cons:
- Each pet still requires its own policy and deductible
3. Nationwide — 5% Multi-Pet Discount
Nationwide offers a 5% multi-pet discount across its plan types, including its exotic pet coverage — useful for households with a mix of dogs, cats, and other animals like birds or rabbits, since Nationwide is one of the few insurers covering exotic pets at all.
Pros:
- Discount applies across Nationwide’s range of plans, including exotic pet coverage
- Useful for mixed-species households
Cons:
- 5% is on the lower end compared to Embrace, Spot, or ASPCA’s ~10%
Other Ways to Save When Insuring Multiple Pets
- Pay annually instead of monthly. Many insurers offer a small discount (often a few percent) for paying your annual premium in one lump sum rather than monthly installments — this can compound with a multi-pet discount.
- Choose higher deductibles for healthier pets. If one of your pets is young and rarely needs vet visits, a higher deductible on that pet’s policy can lower your overall household premium while keeping a lower deductible on a pet more likely to need care.
- Stagger enrollment carefully. Enrolling all pets at once (rather than one at a time over the years) makes it easier to compare household-wide quotes and apply for multi-pet discounts from the start.
- Bundle with other insurance where available. Some providers or their parent companies offer discounts for bundling pet insurance with renters, auto, or homeowners insurance — worth asking about even if it’s not advertised as a “multi-pet” discount.
Frequently Asked Questions
How much can I save with a multi-pet discount?
Multi-pet discounts are typically in the 5%–10% range per additional pet. For a household with two pets each costing $40/month, a 10% discount on the second pet would save about $4/month, or roughly $48/year — modest, but it adds up over a pet’s lifetime and across more pets.
Does Healthy Paws offer a multi-pet discount?
No. Healthy Paws does not have a stated multi-pet discount, so insuring multiple pets there won’t reduce the per-pet premium beyond what you’d pay for a single policy.
Is it cheaper to insure multiple pets under one policy or separate policies?
Pet insurance is always underwritten per pet — there’s no single combined policy covering multiple animals. The “multi-pet discount” is simply a percentage reduction applied to each additional pet’s individual policy when multiple pets are registered under the same account.
Can I get a multi-pet discount if my pets are different species (e.g., a dog and a cat)?
In most cases, yes — multi-pet discounts are typically based on the number of pets insured under your account, not their species, though it’s worth confirming with the specific provider.
Our Disclaimer
This article is for informational purposes only and does not constitute financial, veterinary, or insurance advice. We are not a licensed insurance agency, and nothing on this page should be taken as a guarantee of coverage, pricing, or claim outcomes. Pet insurance pricing, discounts, reimbursement rates, coverage limits, and exclusions vary by state, by pet, and change frequently — always review the official policy documents and get a personalized quote directly from the provider before purchasing a plan. We may earn a commission if you sign up for a plan through links on this page, at no additional cost to you. This does not influence our rankings or opinions, which are based on our independent research of publicly available plan information.
Last updated: June 2026.