Multi-pet insurance

Compare multi-pet insurance quotes for your beloved pets

  • Compare quotes for up to 7 pets

  • Combining policies for your pets means less paperwork

  • A multi-pet policy could be cheaper than individual policies

How does multi-pet insurance work?

You have 1 policy that covers all your pets, instead of several individual policies.

Like a standard pet insurance policy, you can choose the level of cover you want. You can also choose how long you want the cover to last.

Having a multi-pet policy means there’s less admin. You also only need to remember 1 renewal date and 1 insurer. You could even get a discount from your insurer for using a multi-pet policy.

If you need to, you can change the level of cover when you renew your policy. This usually applies to all the pets on the policy, depending on the insurer.

When you get a quote with us, we'll ask you some questions about yourself and about your pets. You'll then be able to compare quotes from multiple pet insurers.

Do I need multi-pet insurance?

Pet insurance isn't a legal requirement, it's your choice whether you buy it or not.

It’s designed to cover the cost of unforeseen events - such as if your pet has an accident or develops a new condition. If you don't have pet insurance, you have to pay the vet treatment costs yourself. These can be thousands for a cat or a dog.

Here are some more benefits of multi-pet insurance:

  • Discount for insuring more than 1 pet, usually around 10%. This isn't guaranteed.
  • Less paperwork as it’s all included under 1 policy. You also have just one renewal date to remember.
  • A multi-pet policy could be cheaper. It's worth checking the price of 2 or more separate policies against a multi-pet policy.

Before choosing a multi-pet policy, it's worth checking the price of two separate policies. There's no guarantee a multi-pet policy will be cheaper, even with the discount. For example according to our data*, a dog and cat both aged 3 could cost £176 and £125 respectively to insure annually on separate policies.

So it's important to compare prices and policies before you buy.

*Prices based on data taken between November 2023 - January 2024. Costs shown are based on the average price paid for cover across all ages, breeds and in all locations.

Compare multi-pet insurance quotes

What our pet insurance expert says

"You could pay less for cover if you insure your pets on a multi-pet policy. Some insurers even offer multi-pet discounts. Also, it means less admin for you as it's easier to look after 1 policy instead of several."
Faith Tagg - pet insurance expert
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Types of pet insurance

What are the different types of multi-pet insurance?

There are 4 types of multi-pet insurance:

  • Accident only
  • Time-limited cover
  • Maximum benefit cover
  • Lifetime cover

Accident only. This is the most basic level of cover available, and usually the cheapest. It only pays out for accidents and has a limit for each year.

Time-limited cover. This covers your pets for accidents and emergencies. It also has a yearly limit. After this, you need to renew the policy. But your policy might not cover new conditions that your pets have developed.

Maximum benefit cover. This has a maximum amount of money that your insurer pays out. You can use it to cover the cost of accidents or emergencies for your pets. When your insurer has paid out the full amount, you have to pay for treatments yourself.

Lifetime cover. This is the highest level of cover available. It covers your pets for their whole lives up to a yearly limit. It's usually the most expensive option, but covers any conditions your pets develop in their lives. This is as long as the policy was in place when they developed the condition.

Remember, with a multi-pet policy all pets on the policy usually have the same level of cover.

What does multi-pet insurance cover?

Most multi-pet insurance policies will generally cover:

  • Missing or lost pets
  • Third-party liability
  • Vet bills
  • Holiday cancellation
  • Cremation costs

Missing or lost pets. This includes the cost of finding a lost pet, such as money for a reward.

Third-party liability. If your pet causes damage to another person or their property, you're covered if they take legal action.

Vet bills. There’s a limit for treatments but you’re usually covered for vet bills. Routine appointments aren't included. But treatments like emergency dental work because of an accident should be.

Holiday cancellation. You're covered if you need to cancel a holiday because your pet is unwell.

Cremation costs. If your pet dies, you should be covered for the cost of their burial or cremation. Some policies also cover the price you paid for your pet.

You need to check the small print as the exact details depend on the insurer and the policy.

What doesn’t multi-pet insurance cover?

  • Pre-existing conditions
  • Dangerous dog breeds
  • Routine check-ups and vaccinations

Pre-existing conditions. Most insurers don’t cover your pet if they’ve previously been injured or ill.

Dangerous dog breeds. If your pet is one of the breeds banned in the Dangerous Dogs Act 1991, you might not be able to get insurance for them.

Routine check-ups and vaccinations. Vet visits such as annual vaccinations and health check-ups and dental checks aren't covered.

Does multi-pet insurance cover pre-exisiting conditions?

For pets with a pre-existing condition, you need a specialist pet insurer. Unfortunately, at, we don’t compare quotes from insurers who offer this sort of cover. To read more, our guide on pet insurance for pre-existing conditions should help.

What do I need to get a quote?

To get a quote, you need:

  • Your pets' names and birthdays
  • Your details and address
  • Details of your pets' health
  • Their breeds and pedigrees
  • Details of their micro-chip (if they have one)
  • Their vaccination details. If you're unsure, check out our vaccinations guide
  • If your cats or dogs have been neutered or spayed

Pet insurance guides

Page last reviewed: 13 October 2023

Reviewed by: Faith Tagg’s Pet Insurance solution is provided by is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. is part of the Legal & General group.

Our service is free to use and compares a wide range of trusted household names. is an intermediary and receives a commission from if you decide to buy through our website. Our commission is based on a percentage of a fixed price per pet insured, but will not increase your premium. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.