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Every 35 seconds, someone chooses MORE THAN ^

Protecting customers with insurance since 2001

Girl walking two dogs and a cat.

Multi-pet insurance

Enjoy a 10% discount for each pet you insure on the same policy

Girl walking two dogs and a cat.

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.

What is multi-pet insurance?

If you've got more than one dog or cat, a multi-pet insurance policy could be for you. One policy, one set of documents and one renewal date. Simple!

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 each 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

More about our cover levels

Basic

Also known as Time Limited. Our Basic policy provides cover for each new accident or illness for a period of 12 months from the first date of treatment or until your chosen vet fee limit is reached, whichever happens first.

Classic

Also known as Maximum Benefit, our Classic policy provides cover for vet fees up to your chosen vet fee limit for each new accident or illness. There is no time limit in which you can use your vet fee limit.

Premier

Also known as Lifetime cover, our Premier policy provides cover for vet fees up to your chosen vet fee for each new accident or illness each year. As long as you renew your policy with no break in cover, the vet fee limit is reinstated each year.

Premier policies bought before 20 March 2022

If you took out a pet insurance policy with us before 20 March 2022, different limits may apply. 

If your policy has both a total vet fee limit as well as a limit per accident or illness, then both these limits will apply until notified at renewal. Depending on the level of cover selected, your policy will either be subject to a total vet fee limit of up to £4,000 (with each accident or illness limited to up to £1,000 of vet treatment) or up to £12,000 (with each accident or illness limited to up to £4,000 of vet treatment) each year.

If your policy has a total vet fee limit only, then this will remain unchanged. 

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.

Defaqto pet insurance logo.

Our pet insurance cover comes highly rated

Defaqto** has given our pet insurance a 5 Star Rating. Proving that our cover provides one of the highest quality offerings on the market for your furry friend.

Person sitting with pet cat and dog.

Easy to manage multi-pet insurance with a 10% discount for each pet

Although more pets can be a handful, it doesn't mean your pet insurance needs to be.

  • Save money with a 10% discount for each pet you add to the same policy
  • Add any new furry friends to an existing policy with the help of our friendly customer service team
  • Pick from our 3 different cover levels to give your pets the cover they need
  • Pay for all your pets’ insurance at the same time if you insure them together

Ready to get a quote for multi-pet insurance?

Why choose MORE THAN multi-pet insurance?

Pets abroad cover

Pack up the whole family for your next adventure. We cover your dog or cat for healthcare and emergency expenses in certain European countries. Optional for Basic cover. Conditions and exclusions apply.

We do more

We offer 0% APR if you choose to pay for your pet insurance monthly and we have no hidden admin fees. 

We pay 9 out of 10 customer claims***

When times get tough, we can help with our easy claims process. Ask your vet to assist with your claims form and, if they agree, we can pay them directly. So you don't have to worry about the unexpected. Excess applies.

Access to expert pet vet nurses

If you have any questions or concerns about your pets, you have freephone access to qualified vet nurses any time, any day with vetfone.

How to start your multi-pet quote

We just need a few details about you and your pets before we can give you an insurance quote, for example:

About your pets

  • Names
  • Their gender
  • Breeds
  • Dates of birth
  • Whether they've been neutered/spayed

About you

  • Name
  • Date of birth
  • Address
  • Date you'd like your policy to start
  • Contact details

Important information

**Our Defaqto Rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000

***MORE THAN data from December 2022 to November 2023