PET INSURANCE

Pet Insurance for Multiple Pets: A Family Plan Like No Other

Three Minutes
Sep 25, 2023

Your family seems to keep growing! First, it was you and the cat. Now, two has become four — or even six. It may feel like your head is spinning after a couple of kids plus a cat, a dog, or both. All that love can come with more responsibilities — more cans of food, toys to buy, and trips to the vet.

As you review your annual expenses, you may be thinking about how your family will handle increasing pet needs and veterinarian costs. Emergency veterinary care can cost you anywhere between $800 – $1,500.3 Read on to learn how pet insurance can help reimburse you for covered pet expenses and how it can help support you and your growing family.

Why You May Need Pet Insurance for Multiple Pets

Over 3.2 million pets were adopted between 2021 and 2022 alone.4 Maybe you were a part of that number who welcomed another four-legged friend into your home during the COVID-19 pandemic. Perhaps you’re an empty nester who needed a young pup to keep you company in the garden while your cat snoozed in a sunny corner inside. No matter your reason, more Americans have found themselves taking care of more than one pet.

Despite this love of pets, only roughly 2.5% of pets are insured in the United States.5 There are several reasons why this gap between adoption rates and insurance coverage may exist. One may be that many people don’t know how pet insurance works. You may be leaving money on the table by footing the bill without pet insurance every time your dog eats something they shouldn’t. The good news is that a pet insurance policy can give you some control over potential future veterinary expenses.

Finding the best pet insurance for multiple pets can be overwhelming. MetLife Pet Insurance was named winner of the “Pet Insurance of the Year” Award in the 2023 Pet Independent Innovation Awards Program, in part due to our multipet policy that allows up to three pets on a single policy with a shareable deductible.1 There are no upper age limits or breed exclusions on our policies.

How Does Pet Insurance for Multiple Pets Work?

Up to three pets can be covered on one plan with a single deductible with MetLife Pet Insurance policies. This is the amount pet owners are responsible for under the terms of the policy before they can be reimbursed. Also, the covered expenses of all pets on the policy can contribute to the deductible. Once you’ve met the deductible, all covered pets costs on the policy are eligible for reimbursement.

Here’s how the pet insurance claims process works:

  • Pay the monthly premium: Pet parents pay a monthly premium for the policy, in a similar way that you may pay a monthly premium for car insurance.
  • Take your pet to the vet: When an illness or injury strikes, take your pet to any licensed vet for care. Pay the veterinary bill yourself, but keep those statements.
  • Submit your claim: Send the vet bill statement and any medical records from the visit to MetLife Pet Insurance.
  • Receive reimbursement: Once you’ve met your deductible, MetLife Pet Insurance will reimburse you for covered costs at whatever your reimbursement rate is, usually within 10 days.6

How Much Does Multipet Insurance Cost?

Your pet health insurance premium can vary based on a few major factors that impact the cost. How many pets you have, their breeds and ages, where you live, their sexes7, and if they have any preexisting conditions determine the amount you will pay, as does your coverage selection.

MetLife Pet Insurance policies are customizable, too. We remain flexible in a competitive market with customizable coverage options and reimbursement percentages up to 100%.8 You can select a higher or lower deductible and even add on different care types to your plan.9

  • Have older pets that need routine care? No problem! We can offer an optional Wellness Plan to help mitigate regular veterinary checkups.10
  • Want preventative care or more coverage? Tailor your policy to get as little or as much coverage as you need for your cats and dogs. From preventative care and vaccines to emergency care, our policies can flex to cover pet expenses that can arise frequently.
  • Already have a policy or multiple policies with another provider? MetLife Pet Insurance will cover previously covered preexisting conditions your pet may have.² When you switch to a MetLife Pet Insurance plan, you can get illness and injury coverage soon after, as well as coverage for other covered veterinary visits, medications, and other eligible expenses to ensure continued care.11, 12
  • On a tight budget? MetLife Pet Insurance offers affordable pet insurance for multiple pets.

You can get a pet insurance quote online and start coverage today! We provide options to help you care for your furry friends.

Does MetLife offer discounts?

MetLife Pet Insurance policies can start at $9 a month for single cat insurance and $15 a month for single dog insurance,13 while allowing you to add more pets and coverage for an additional cost.14 MetLife Pet Insurance offers a few discounts for affordable pet insurance for multiple pets:

  • Multipet discount if you’re enrolling more than one pet
  • Internet discount for signing up online15
  • Military, veteran, and first responder discount to thank our heroes16
  • Healthcare and animal care discounts to thank those who care for us and our pets17, 18
  • Discount for each year you don’t file a claim19

What Makes MetLife Pet Insurance Different?

MetLife has over 100+ years of experience in core and voluntary benefits with a strong track record within the insurance industry. We’re the only provider offering family plans so you can cover multiple pets with one policy.20 If you choose MetLife Pet Insurance, you can:

  • Enroll up to three pets
  • Mix cats and dogs in a single policy
  • Get up to 100% reimbursement on vet bills for covered expenses
  • Have one annual deductible per policy13

Our team has over 15 years of experience advocating for pets by focusing on communities and what they value. Plus, we offer one annual limit that can be shared across all pets in the family plan. With coverage from MetLife Pet Insurance, you can keep seeing the same licensed vet you trust, or find a new one entirely, with less worry about whether your pet expenses will be covered if they’re treated by that vet.

Golden Retriever and British Shorthair accompany their owner.

Keeping up with your busy lifestyle

Your priorities are our priorities. We offer conveniences and benefits designed to keep up with you and your family’s needs. These benefits include:

  • A mobile app to submit and track claims
  • Coverage for loss and theft
  • Counseling for grief or stress from caregiving
  • 24/7 Telehealth Concierge Services
  • Pet health and wellness guides

Your employer may offer pet insurance

You may not realize that your employer may be one of the many companies to offer pet insurance. In fact, they may even offer the benefit to insure multiple pets. Stop and chat with your HR representative to ensure that you’re not missing out on potential savings from unexpected veterinary expenses! If they do not offer it, suggest that they consider offering pet insurance in their next annual benefits review.

Get Pet Insurance for Multiple Pets Today

You don’t have to compromise on pet insurance for your favorite companions. MetLife Pet Insurance has options that can fit your budget and lifestyle. As the only provider offering multipet plans19 MetLife Pet Insurance offers coverage options that are affordable and customizable. Consider getting your pets insured today so you can get back to the important thing in life: spending time with the ones you love.

Protect your Pets

Coverage in 3 Easy Steps

Dr. Hunter Finn is an integrative veterinary expert first, and social media star second. America’s favorite veterinarian owns Pet Method in McKinney, Texas, where he cares for pets while prioritizing their emotional well-being. When he’s not at his clinic, he’s starring in viral videos on TikTok (2 million followers) and Instagram (500K followers) — where he’s been known to snuggle puppies and conquer the latest dance trends.

¹ Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.

² Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

3 “How Much Do Americans Spend on Their Pets?” LendEDU

4 “Pet Adoption Statistics in 2021,” The Zebra

5 “Total Pets Insured, State of the Industry Report 2022,” North American Pet Health Insurance Association

6 Approximately 80% of claims are processed within 10 days or less.

7 For IAIC policies only

8 Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% for IAIC underwritten policies only.

9 Deductible options range include: $0−$750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

10 Available at an additional cost

11 Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitor's; wait period for illness coverage is 14 days compared to 14 to 30 days for competitor's, based on a January 2021 review of publicly available summary information about competitor's offerings.

12 Accident coverage and Preventive Care coverage (for those who select it) begins on the effective date of your policy. Illness coverage begins 14 days late

13 Calculation based upon select plans and coverages. Actual rates may vary based on pet age breed, location, deductible, reimbursement rate, and annual limits you choose. “

14 Individual must cancel their current policy and get a new policy. The deductible will not carry over

15 When coverage is purchased on-line, a premium discount will apply during the first year of the policy.

16 A discount is available to serving and retired members of the Armed Forces & First Responders.

17 For MetGen underwritten policies, a discount is also available to active healthcare workers.

18 A discount is applicable to staff/owners of animal care facilities.

19 Your pet’s deductible automatically decreases by $25 (for IAIC underwritten policies) or $50 (for MetGen underwritten policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.

20 Based on a January 2022 review of publicly available summary information about competitors' offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly

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