Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Pet insurance discounts

Cut down on pet expenses with common discounts and money-saving alternatives.

Posted

Fact checked
You’ll find a few main discounts that you might qualify for when buying pet insurance. On top of discounts, a few insurance plans build in discounts for vet services, helping you save just for using the plan.

What pet insurance discounts can I get?

The most common type of discount you’ll find is a multi-pet discount. This list also includes a few common discounts that might be available:

  • Multiple pets. If you own more than one pet, you can save around 5% for insuring two or all of your furry friends with the same insurer.
  • Multi-policy. A few insurance companies like Lemonade offer bundling insurance discounts when you’re buying more than one policy. You could save another 5% off your premium.
  • Military. Some pet insurers honor those serving in the military with a 5% or 10% discount.
  • Pay in full. You can shave a few dollars off your total cost by avoiding monthly service charges, which typically cost $2 or $3 per payment.

Which types of pet insurance policies have discounts?

Different types of pet insurance policies qualify for discounts, while others build in discounts or a lower premium. What to consider:

  • Accidental injury policies. This policy covers your furry friend against sudden, unexpected events like broken bones or your pet eating a toy, but not common illnesses that are more likely to happen. Because of its lower protection, accident-only policies can cost less than half the price of other policies.
  • Injury and illness policies. You can qualify for nearly any discounts a pet insurance company offers with this comprehensive policy. It offers more thorough coverage to protect you from vet costs compared to an accident-only policy.
  • Wellness. If you buy or add on a wellness plan, the plan will pay for specific routine services like vaccines or an annual checkup with a maximum dollar limit. Insurers design the plans to save you money if you use most or all of the services covered. When buying, you might see the plan’s cost compared to the value of all the services, showing you how much you could save.
  • Discount memberships. Discount plans are rare, but they can lower the cost of your pet’s medical expenses each time you use the plan’s service. You’ll buy a membership for a company in order to access the discounts offered.For example, you can find discounted vet services if your vet works with PetAssure, a discount plan that you buy through some employers. Also, Banfield wellness plan memberships offer discounts for vet services and pet supplies, although it’s not highly rated for customer service.

Compare pet insurance

Name Product Pets covered Seniors accepted Hereditary conditions Chronic illness
Petplan
Dogs, Cats
Cover unexpected vet bills from emergency exams, injuries, surgery and more.
Embrace
Dogs, Cats
Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
Pet Assure
Dogs, Cats, Horses
Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
PetFirst
Dogs, Cats
Get coverage starting at $9 per month for cats and $15 for dogs. Talk to an agent at 888-738-0683.
loading

Compare up to 4 providers

Bottom line

Many companies offer small discounts if you own multiple pets, although some give other types of discounts too. Otherwise, consider getting quotes from several pet insurance companies to find the best value.

More guides on finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site