What does multi-pet insurance cover?
You'll need to check the small print as the exact details will depend on the insurer and the policy. Most multi-pet insurance policies will cover:
- Missing or lost pets
- Third-party liability
- Vet bills
- Holiday cancellation
- Cremation costs
Missing or lost pets, including 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'll be covered if they take legal action.
Vet bills up to a limit, for treatment for your pet. Routine appointments aren't usually included.
Holiday cancellation if you need to cancel a holiday because your pet is unwell.
Cremation costs if your pet dies. You may be covered for the cost of its burial or cremation. Some policies will also cover the price you paid for the pet.
Multi-pet insurance doesn't cover everything. So it's important to read a policy thoroughly before paying. Routine costs are usually excluded, along with dental care, unless it's needed because of an accident. You'll also need to factor in the cost of your excess, if you do make a claim.