Multi-pet insurance
10% discount for each dog or cat on the same policy
Up to 3 pets can be added online and more when you call. To receive this discount, your pets need to be under one policy. Discounts applied consecutively.
Do you have pet insurance with us?
Visit our existing customer page to find out how to make changes to your policy. You can also read our FAQs for answers to key questions.
What is multi-pet insurance?
If you've got more than one cat or dog, a multi-pet insurance policy could make things easier to manage. You'll have just one policy, one set of documents and one renewal date.
Insurance for your furry friends
Our multi-pet insurance is here to help, from flexible vet fee limits to treatment cover:
10% discount for additional pets
If you have more than one pet at home, you could save time and money by insuring them on the same policy.
Help with medication costs
Your cover includes the cost of medication prescribed by a vet to treat an injury or illness covered by your policy.
Physiotherapy and more
We'll cover treatments such as physiotherapy and homeopathy when recommended by a vet.
We can settle most vet bills directly
Saving you the hassle and expense of upfront payments. Subject to vet agreement. Excess applies.
Why it’s worth getting insurance for your pets
Choose from our 3 cover levels
Basic, also known as Time Limited:
- Covers each new accident or illness within a defined period for each pet
- This will either be for 12 months from the first treatment date or until your chosen vet fee limit is reached, whichever happens first
Classic, also known as Maximum Benefit:
- Covers vet fees up to your chosen vet fee limit for each new accident or illness
- To provide cover until your vet fee limit is used up, you must renew your policy with us each year without a break in cover
Premier, also known as Lifetime cover:
- There is no limit to the number of accidents or illnesses you can claim for
- If you renew your policy without a break in cover, the vet fee limit for each pet resets each year
Your vet fees limits
More details on the vet fees limits that apply to your policy can be found in your schedule, or on your policy documents. If you're unsure, get in touch.
Compare our multi-pet insurance cover levels
Basic (Time Limited)
Classic (Maximum Benefit)
Premier (Lifetime)
Vet fees limit
Vet fees limit
Vet fees limit
£1,500 or £3,000
Vet fees limit
£4,000 or £8,000
Vet fees limit
£1,000, £2,000, £4,000 or £6,000 for each accident or illness every year
Accident cover
Accident cover
Illness cover
Illness cover
Third party liability (for dogs)
Third party liability (for dogs)
Accidental damage
Accidental damage
Dental – Accident only
Dental – Accident only
Dental – Accident and Illness*
Dental – Accident and Illness*
Emergency boarding
Emergency boarding
Lost and found cover
Lost and found cover
Optional
Pets abroad cover
Pets abroad cover
Optional
Complementary treatment cover
Complementary treatment cover
Farewell cover
Farewell cover
Optional
Optional
*Dental care up to £2,000. Your pet must have a dental check every 12 months.
After your pet has had their first check and any necessary work has been completed, we pay for treatment for tooth decay or gum disease that occurs before the next 12 month check or at the time of the next check.
- For teeth or gums that have been damaged in an accident
- If an underlying illness causes tooth decay or gum disease
- To remove teeth to treat an illness that is not gum disease or tooth decay
Vet fees and choosing the right cover level
To help you decide which cover level you need, here's a guide to health conditions in pets and the average paid out:
The most common health conditions and the average we've paid out for each are:
For cats, it's:
- Hyperthyroidism - £1,173
- Kidney/renal disease - £1,031
While for dogs, it's:
- Lameness - £1,005
- Poisoning - £572
Hyperthyroidism is also our most expensive cat illness claim, with an average of £1,173 paid out. Ingestion of a foreign object is the priciest claim for dogs, costing £1,351 on average.
These can vary by breed. MORE THAN data from January 2022 to December 2023.
Average cost of multi-pet insurance
Selecting the appropriate cover level is a personal decision. Learning more about health conditions for your cat or dog and associated costs may help you make the right choice.
Getting your multi-pet insurance quote
We just need a few details about you and your pet. This includes both your names, age and address, plus the following:
About your pet
- Whether they've been spayed or neutered
- If they live at your home address with you
- If they are to be used for breeding purposes
- If they are healthy or have any pre-existing conditions
Personal information
- The date you'd like your policy to start
- Contact details
- Whether you're the owner and keeper of the cat or dog you want to insure
- If you have had an insurance policy declared void or cancelled by an insurer
Ready to start a multi-pet insurance quote?
Our pet insurance cover comes highly recommended
Our Premier pet insurance cover has achieved a 5 Star Defaqto Rating***. Cover your pets with one of the highest quality pet insurance offerings on the market.
Find out how to keep your pets healthy with our useful guides
Important information
**Your renewal price increases each year and your excess may increase when your pet turns 9. If a claim is paid, the price you will pay next year can double. There is no limit to how much your renewal price can increase
***Our Defaqto rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000