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Pet insurance discounts

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

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
Dogs, Cats
For $19/month, access 24/7 vet support and $3,000 for one pet emergency a year.
Dogs, Cats
For as little as $10/month, cover unexpected vet bills, emergency exams and injuries, with optional wellness add-on.
Dogs, Cats
Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
Pet Assure
Dogs, Cats, Horses, Exotic pets
Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
Pets Best
Dogs, Cats
Get up to 90% of your vet bills reimbursed directly into your bank account. Plus, access coverage options with no annual limit.

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.

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