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Multi-pet insurance

Get a multi pet policy for all your pets

Many people these days have more than one pet, so it’s worth considering whether to take out separate pet insurance cover for each animal, or one policy for all your pets.

By Mehdi Punjwani

Published: 20 March 2020

Dogs playing

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If you have more than one pet, a multi-pet insurance plan can make it much easier to manage your pet cover.

With a multi-pet insurance plan, you only have to deal with one insurer, one renewal date and one set of documents, rather than juggling correspondence from several different firms.

Is multi-pet insurance cheaper?

Multi-pet insurance can be more affordable than regular pet insurance since many insurers offer discounts if you cover more than one animal on the same policy. The discounts vary; some companies cut the cost by between 5% and 10%, while others give a discount of £12 a year for each additional pet you insure.

Most multi-pet policies are for cats and dogs, or a combination of the two.

For example, if you took out insurance for two pets, you could get a £24 discount, or a discount of £36 if there were three pets on the policy, and so on.

The maximum number of pets you can insure on a multi-pet policy is usually capped, and the typical maximum is six.

How many people choose multi-pet insurance?

As of 2019, insurance for single pets is still more popular than insurance for multiple pets. When it comes to dogs, 85% of quotes are for individual policies rather than multiple dogs, which could suggest that most dog owners prefer to have one pooch.*

85% of dog insurance quotes were for one dog

According to Stickee data from 2019, accurate as of March 2020

This preference isn’t as strong with cat owners: 40% of quotes were for multiple cats, while the remaining quotes were for individuals. Quotes for four cats were rare, representing just over 2% of all total pet insurance quotes.*

59% of cat insurance quotes were for one cat

*According to data provided by Stickee, correct as of March 2020

Do multi-pet policies only provide cover for cats and dogs?

Most multi-pet policies are for cats and dogs, or a combination of the two. Some insurers, however, do provide coverage for other animals – such as rabbits – on multi-pet plans. If you have an exotic or unusual pet like a parrot or snake, you will probably have to buy a separate insurance plan for them.

Our service allows you to add multiple quotes for cats and dogs only. Just add each pet one at a time to get a quote for multiple cats and dogs.

Are multi-pet quotes requested more often for cats or dogs?

Multi-pet policies are more likely to be requested by cat owners than dog owners. That’s because 40% of cat owners ran quotes for multi-pet insurance compared with less than one fifth of dog owners.*

However, there were more quotes for dogs than cats, meaning multi-dog insurance is more popular than multi-cat insurance, with dog-owners occupying a 54% share of the total number of multi-pet quote requests.*

54% of multi-pet insurance quotes were for dogs

According to Stickee data from 2019, accurate as of March 2020

*According to data provided by Stickee, correct as of March 2020

Are dogs or cats more popular in the UK?

In 2019, out of people who said they owned at least one pet, more had dogs than cats in almost every region of the country. Dogs are especially more popular in the North-East, where over twice as many households had dogs than cats.

The one exception is Greater London, where 15% more pet-owning households own cats than dogs.*

However when it comes to looking for pet insurance, most quotes received by our partner provider Stickee were for dogs – across the entire country.


Dogs are generally more popular in the UK

Data collected by the Pet Food Manufacturers Association, correct as of March 2020

Tailored multi-pet cover

You can usually tailor a multi-pet insurance plan to suit the needs of your individual pets.

For example, you might want to insure one pet on a standard policy that covers vet fees of up to £3,000, but prefer a premium plan with vet fees up to £7,500 for another animal. You might also want to buy additional dental cover for your dog but not for your cat.

The flexibility of multi-pet insurance can be particularly useful if you have animals of different breeds, ages and with different health needs. But don’t forget that the premiums will reflect the level and type of cover you buy.

It’s also worth bearing in mind that insurers impose similar restrictions on multi-pet plans as on single pet insurance policies. Some of the most common exclusions are:

  • Pets under the age of eight weeks
  • Pets over the age of nine or 12 years (depending on the plan)
  • Pets which have shown aggression or received legal complaints
  • Dogs which work on commercial premises
  • Dogs which live on premises where alcohol is sold
  • Pre-existing medical conditions
  • Certain breeds of dog, notably pitbulls

Compare multiple pet insurance quotes with MoneySuperMarket

To save on your pet insurance, remember the golden rule: don’t automatically renew. You’re more likely to find cheaper pet insurance when you shop around.

It’s quick and easy to compare pet insurance quotes on Within minutes you can review the various options for multiple pet coverage – but it’s also worth checking out the cost of separate cover for each of your pets, just in case it’s cheaper to buy several individual pet insurance policies rather than one multi-pet plan.

Ready to save on your pet insurance? Or need to know more before you get a quote? We’re here to help.

Pet insurance - Cat insurance - Dog insurance - Puppy insurance - Kitten insurance - Horse insurance - Rabbit insurance