Compare multi-pet insurance quotes
Multi-pet insurance covers several of your pets in a single policy. You’ll usually get a discount by adding multiple pets to one policy, but it doesn’t always work out cheaper than having individual ones for each pet.
It’s the same as standard pet insurance. You choose the cover options, like accident only or accident and illness, for your pet’s lifetime or a specified duration and the insurer gives you a quote.
The only real difference is that you’ll have the same cover level for all pets on the policy. You can change the cover level at renewal, but it’ll change for all animals that are covered, which might not be suitable if you want different cover for each pet.
Some insurers use ‘multi-pet’ to describe linking two policies together - you can easily ‘add’ more pets to your cover without having to cancel one policy and open another. You can also have different cover levels for each pet when they’re linked.
Lifetime multi-pet insurance
Time-limited multi-pet insurance
Sometimes. Most insurers offer discounts, generally between 5-10%, while others take a set amount of money off the cost for each additional pet you insure. The price of your multi-pet insurance will also vary depending on the level of cover you choose.
You will have to pay an excess whenever you make a claim. It’s a set cost that you pay the insurer that goes towards the cost of the vet bill, medication or treatment. As your pet gets older, expect your excess to increase.
You might have to pay a contribution as well as your excess – you’ll sometimes see this called a ‘co-payment’. Speak to your insurer if it’s not clearly described in your paperwork, but it’s usually a percentage of the final fee, minus the excess.
If the policy asks for both an excess and a contribution, the insurer won’t pay for the claim if you can’t pay the fees, so keep these expenses in mind as you compare policy prices.
Pre-existing medical conditions aren't covered, so multi-pet won’t be cheaper if one pet has a condition that flares up multiple times a year.
You might be able to get a specialist pre-existing policy linked to another policy and get a discount, but you’ll probably need to discuss it with the insurer.
You can buy specialist cover for a pet that has specific medical needs. We’ve partnered with VetsMediCover so you can find quotes that include the treatment of pre-existing conditions.
Older pets that have a clean bill of health might be able to go on a multi-pet policy. But because they’re more likely to get ill as they age, expect the premiums to be higher.
This depends on each insurer, but there are policies that cover up to six animals.
You can usually insure different species under the same policy – just compare a range of options to see what works out best for you and your wallet.
As of February 2022, there are 21 active pet insurers on the panel at Stickee Technology.