Multi-pet insurance for dogs and cats

Up to 15% discount on multi-pet plans

  • One of the UK's highest multi-pet discounts
  • Every pet gets the discount and their own plan
  • Up to 20K vet fee cover (one of the UK's highest) [1]
  • Pre-existing condition cover options [2]

Award-winning pet insurance

Defaqto 5-star rating for Pet Insurance 2026, marked as "Expert Rated." Excludes Essential Care plans.
Trustpilot rated excellent badge
MF Pet Insurance Provider of the Year 2026
Award badge featuring "Winner" text, two gold coins with pound symbols, and "Moneyfactscompare.co.uk Awards 2026 Consumers’ Choice" text.

Why get multi-pet insurance with us?

Less hassle for you, savings every year and really good insurance for your tailmates.

Existing ManyPets pets get a discount too

We'll automatically apply a discount to any existing pets you have with us whenever you add another pet. You just need to be logged into your account when adding them.

Any pet, any plan

You can insure multiple pets on any of our plans and still qualify for a discount of up to 15%.

We even have cover for pre-existing conditions

Cover for conditions without signs, symptoms, treatment, medication or advice for two years before the policy start date. Standard Care Pre-existing can cover more recent conditions.

Each pet keeps their vet fee limit

Multi-pet insurance doesn't mean your pets share cover. They each keep their individual plan's limit.

No upper age limits

We don't have upper age limits on our plans, so you can insure a mix of pets even if they're senior.

All of our plans get a multi-pet discount

We offer a multi-pet discount of up to 15% across all our plans - one of the highest in the UK.

Complete CareStandard CareStandard Care Pre-existingEssential Care
Plan details
Vet fee cover up to£20,000£10,000£7,000£5,000
Pre-existing conditions cover
Cover for conditions that ended 2 years before policy start date
Cover for conditions that ended 2 years before policy start date
Up to £1,500 cover for conditions that ended 3 months before policy start date
Cover for conditions that ended 2 years before policy start date
ExcessOnce per year (not per condition, like many other insurers)Once per year (not per condition, like many other insurers)Once per year (not per condition, like many other insurers)Once per year (not per condition, like many other insurers)
CT/MRI scan and cruciate ligament surgery Included YesIncluded YesIncluded Yes£1,000
Dental illness & accident Included YesIncluded YesIncluded YesAccidents only (Up to £1,000)
Complications from routine treatment Included YesIncluded YesIncluded YesIncluded No
Emergency boarding£1,000£1,000£1,000£1,000
Death of your pet£6,000£1,500£1,500£500
Missing or stolen (including advertising) £6,000£1,500£1,500£500 (excluding replacement costs)
Behaviour treatmentIncluded YesIncluded NoIncluded NoIncluded No

How to get a multi-pet insurance quote

  1. Start a quote and fill in the information for your first pet.

  2. Follow through the steps until you see the option “add another pet”. Here you can add up to five pets online. For more than that, call us on 0345 340 4090.

  3. Once all pets have been added, continue with your quote. A multi-pet discount of up to 15% will be applied at the end.

You'll get to pick a plan for each of your pets, each with its own vet fee limit and policy benefits. The plans will be under one payment and one renewal date.

Want to chat about our multi-pet insurance?

Our friendly team are waiting. Contact us to get all your multi-pet insurance questions answered.

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See how our multi-pet customers rated us.

Multi-pet insurance FAQs

Learn more about multi-pet insurance with our frequently asked questions.

What’s multi-pet insurance?

Multi-pet insurance lets you look after all your furry family members under one single account, with just one easy payment and a shared renewal date. That means less stress for you, and more time to spend with your pets.

Even though they’re on the same account, each cat and dog still gets their own plan, individual vet fee limit and benefits. Plus, you’ll get a discount of up to 15% just for insuring more than one pet with us.

How does multi-pet insurance work?

With multi-pet insurance, you can choose the right plan for each of your pets, and we’ll automatically apply your multi-pet discount.

You don't have to put everyone on the same level of cover; they're billed together under one payment and share a renewal date.

Your discount is applied automatically once you add a second pet, whether you're taking out a new multi-pet policy or adding a pet to an existing policy.

Does each pet get its own cover on a multi-pet plan?

Yes. Our multi-pet insurance doesn't mean your pets share a vet fee limit or excess. Each pet keeps their own plan's limit and their own annual excess, so one pet's claims don't affect the other.

Is multi-pet insurance cheaper than separate plans?

Yes, insuring more than one pet with us automatically applies a discount of up to 15%, one of the highest multi-pet discounts in the UK.

What isn't covered?

Routine and preventative treatment, like vaccinations, microchipping and neutering, isn't covered under any of our plans.

For exact cover terms, please read your handbook.

Are pre-existing conditions included?

If your pets have been free from signs, symptoms, treatment, medication or advice for two years before your policy start date, any of our plans should cover them.

For a more recent condition, our Standard Care Pre-existing plan can cover one or all of your pets once they’ve been free from signs, symptoms, treatment, medication or advice for three months. Should you choose this option, each pet will have its own plan.

How many pets can I insure on multi-pet?

You can insure up to five pets online, including combining both cats and dogs. Each pet has their own plan under one payment. For more than five pets, call our customer service team, and they'll be able to set your plans up for you.

Your discount of up to 15% applies automatically once you add a second pet.

Can I get a multi-pet plan for older cats and dogs?

Yes, you can get a multi-pet discount for older pets of up to 15% and there’s no upper age limit for pets to be insured.

But things change when your pet gets older.

  1. We don’t cover death from illness once a pet turns nine.

  2. If you take out a policy with us after your pet's seventh birthday, you'll need to pay a 20% co-payment on each claim.

Co-payments are a fixed percentage you will pay for your pet's treatment. We calculate this percentage from your vet bill minus the excess.

Our explainer can answer any questions you have about co-payments.

What is covered by a multi-pet plan?

A multi-pet plan covers the same things as a normal pet insurance plan. The main part of the policy is to cover vet fees to treat your pet for an accident or illness. All of our plans give you unlimited 24/7 video vet calls as standard

Pet insurance won’t cover things like routine procedures, vaccinations or grooming.

Footnotes

  • Based on market comparison using Defaqto Matrix 360 20 May 2026

  • Option to choose the Standard Care Pre-existing plan. Other pre-existing conditions covered by all plans where there have been no signs, symptoms, treatment, medication or advice for two years before your policy start date

  • If you would like to know more about the marketing messages we use, or would like to know how we calculate the numbers stated, see our Facts and figures page.