🐾 Pet Insurance Finder

Best pet insurance for multiple pets in the US

Insuring two or more pets with one insurer often earns a multi-pet discount. This ranking favours plans that offer one.

Ranked with the same filters and weighted scoring as our quiz, using plan data reviewed 2026-10-16. Your pet's breed, age and location change the answer — take the quiz for a personal match.

#1 · Embrace

Accident & Illness

Customizable accident & illness coverage with dental illness, complementary therapies and cured-condition coverage.

$$ Mid-rangeAccident & illness
Reimburses
70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
none
Illness wait
14 days
  • ✓ Monthly cost: Priced mid-range, matching your budget priority.
  • ✓ Multi-pet discount: Multi-pet discount available (10% (plus 5% military discount)).
  • ! 180-day exclusion for common orthopedic conditions in dogs
  • ! Pets 15 and older can only get accident-only coverage
  • ! Premiums rise over time with age
Full Embrace details →

#2 · Nationwide

Modular Pet Insurance

Build-your-own coverage from accident, illness and optional modules (hereditary, cruciate, wellness) — exam fees included.

$$ Mid-rangeAccident & illness
Reimburses
50/70/80%
Annual limit
$5,000
Deductible
Annual
Exam fees
Covered
Accident wait
14 days
Illness wait
14 days

Sample monthly cost

from $13 — 2-year-old medium mixed-breed dog, Chicago, accident-only moduleNationwide's advertised starting price ($5,000 limit, 70%, $250 deductible).

  • ✓ Monthly cost: Priced mid-range, matching your budget priority.
  • ✓ Multi-pet discount: Multi-pet discount available (5% for 2–3 pets, 10% for 4+).
  • ! Hereditary, congenital and cruciate coverage are paid add-on modules
  • ! Cats 8 and older can't add hereditary coverage
  • ! Annual limits are per module — total payouts can be lower than single-limit plans
Full Nationwide details →

#3 · ASPCA Pet Health Insurance

Complete Coverage

Broad accident & illness coverage including exam fees, dental disease, behavioral issues and alternative therapies.

$$ Mid-rangeAccident & illness
Reimburses
70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
14 days
Illness wait
14 days
  • ✓ Monthly cost: Priced mid-range, matching your budget priority.
  • ✓ Multi-pet discount: Multi-pet discount available (10% for each additional pet).
  • ! 14-day waiting period applies to accidents as well as illness
  • ! Knee and ligament conditions can never become eligible once pre-existing
Full ASPCA Pet Health Insurance details →

#4 · Spot

Accident & Illness

Customizable accident & illness coverage with unlimited-limit options, exam fees and cured-condition coverage.

$$ Mid-rangeAccident & illness
Reimburses
70/80/90%
Annual limit
Unlimited
Deductible
Annual
Exam fees
Covered
Accident wait
14 days
Illness wait
14 days

Sample monthly cost

$75.01 — 1-year-old giant mixed-breed dog, unlimited limitSpot's own advertised example ($500 deductible, 90% reimbursement).

  • ✓ Monthly cost: Priced mid-range, matching your budget priority.
  • ✓ Multi-pet discount: Multi-pet discount available (10% on additional pets).
  • ! 14-day waiting period applies to accidents too (most states)
  • ! Knee and ligament conditions can't become eligible once pre-existing
Full Spot details →

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