Multi-pet insurance
Enjoy a 15% discount for each pet you insure on the same policy
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! You can add up to 5 pets online and more when you call us directly. To receive this discount, your pets need to be under one policy.
Compare our multi-pet insurance cover levels
Basic (Time Limited) |
Classic (Maximum Benefit) |
Premier (Lifetime) |
Vet fees limit |
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Vet fees limit |
Vet fees limit |
Vet fees limit |
Vet fees limit |
Accident cover |
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Accident cover |
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Illness cover |
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Illness cover |
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Third party liability (for dogs) |
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Third party liability (for dogs) |
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Accidental damage |
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Accidental damage |
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Dental – Accident only |
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Dental – Accident only |
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Dental – Accident and Illness* |
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Dental – Accident and Illness* |
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Emergency boarding |
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Emergency boarding |
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Lost and found cover |
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Lost and found cover |
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Pets abroad cover |
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Pets abroad cover |
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Complementary treatment cover |
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Complementary treatment cover |
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Farewell cover |
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Farewell cover |
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*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 gumdisease 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 within a defined period. This will be for 12 months from the first treatment or until the 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.
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.
Experts rate our Premier insurance highly
Our Premier £2,000, £4,000 and £6,000 pet insurance have Defaqto's highest 5 Star rating.
Easy to manage multi-pet insurance with a 15% 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 15% discount for each pet you add to the same policy that live in the same household - just give us a call on 0330 029 1680.
- 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 start a Multi-pet insurance quote?
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. Conditions and exclusions apply.
We do more
We offer 0% APR with no deposit if you choose to pay for your pet insurance monthly and we have no hidden admin fees.
24/7 FirstVet access
If you have any questions or concerns about your pets, you have access to veterinary professionals any time, any day with FirstVet.
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
- Breed
- 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
Yes, you can add both cats and dogs to the same multi-pet insurance policy.
Yes. If you would like each pet to have a different cover level, please call our customer service team. You will still receive a 15% multi-pet discount.
Yes. If you would like to add a new pet to an existing pet insurance policy, please call our customer service team. You will still receive a 15% multi-pet discount.
You can insure up to five pets on the same policy when you buy online, or up to 10 if you call our customer service team.
Call us on 0330 029 1680 to get your 15% multi-pet discount. Remember, they must all live in the same household.
You can buy multi-pet insurance, but we will not cover pre-existing conditions though other insurers may cover them. These are health issues, concerns, illnesses or injuries that have developed or are showing signs of developing, which you or your vet were aware of before you buy a policy.
No. If you have more than one pet at home, our multi-pet insurance can cover them under one policy. We can't cover your other pets that have feathers, scales, or manes. Our multi-pet insurance is for cats and dogs only.
Because your pets are unique, we will give you a personal price for your multi-pet insurance. A few key things that will affect the cost of your insurance are your pets:
- Vets: The cost of vet fees will affect your multi-pet insurance costs
- Age: It happens to the best of us. As your pets age, your multi-pet insurance cost will increase because they are more likely to get ill
- Breed: The size and health of your pets will cause the amount you pay to vary
- Claims: A claim being paid can also cause your renewal price to increase
The cost of looking after your pet's health can increase as they get older. That's why your renewal price increases each year and a mandatory co-insurance amount will be applied at the renewal following your pets 9th birthday.
It's important you budget for renewal prices to increase as your pet gets older. There is no limit to how much your renewal price can increase over time.
We want to assure you that the renewal price is already at our most competitive rate based on factors like your pet's breed, age and health. If you have more than 1 pet, we'll give you 15% off each pet you insure with us on the same policy.
Our Defaqto rating applies to Premier £2,000, £4,000 and £6,000 and Classic £8,000.