Multi-pet insurance

Get a multi pet policy for all your pets

By Clare Francis Thursday 8 March 2018

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.

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 2017, 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.


MoneySuperMarket data, correct as of November 2017


This preference isn’t as strong with cat owners: one-third of quotes were for multiple cats, whereas almost two-thirds of quotes were for individual cats. Quotes for four cats were rare, representing just under 5% of all total pet insurance quotes.


MoneySuperMarket data, correct as of November 2017

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 a third of cat owners ran quotes for multi-pet insurance compared with less than one fifth of dog owners.

However, there were nearly four times as many quotes for dogs than cats. This difference in volume means that multi-dog insurance is more popular than multi-cat insurance, with dog-owners occupying a 61% share of the total number of multi-pet quote requests.

Percentage of multi pet quotes requested for cats vs dogs

MoneySuperMarket data, correct as of November 2017

Are dogs or cats more popular in the UK?

According to PFMA, dogs are more popular than cats in almost every region of the country, although they’re especially popular in the North and West. In Northern Ireland, for example, 38% of households own a dog compared to the 15% of households which own a cat. The one exception is Greater London, where 5% more households own cats than dogs.


MoneySuperMarket data, correct as of November 2017

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


MoneySuperMarket data, correct as of November 2017

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.

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