Multi-Pet Insurance

Can I add a second pet to an existing insurance policy?

If you already have pet insurance with Healthy Pets and would like to add a pet to your policy, then simply fill in the online add a pet form.

Healthy Pets will process your request and ensure your new pet is covered as soon as possible. They will be set up with a new and separate policy number, so you can tailor your insurance to suit each pet, and manage and update policies easily.

What is the maximum Healthy Pets can pay out for veterinary treatment under their pet insurance policies?

Our Maximum Benefit policies can pay up to the policy limit (£1,000, £4,250 or £7,500) for each condition, dependent on the cover selected. There is no limit on the number of conditions you can claim for over the policy lifetime. There is also no time limit on claiming for a condition, however cover for a condition will cease once the Maximum Benefit for it has been reached.

Our Lifetime pet insurance policies can pay up to the annual limit (£2,000 or £4,250) in each period of insurance. The Lifetime Extra policy is subject to a maximum limit of £1,000 for each condition in each policy year. The Lifetime Premier policy is subject to a maximum of £3,250 for each condition in each policy year. There is no limit to the number of conditions you can claim for over the policy lifetime.

Our Accident Only policy can pay up to the policy limit (£1,000) per accident over a 12 month period, subject to you renewing your policy with us and premiums being paid up to date. Cover for an accident will cease once the financial limit has been reached or after 12 months from the date of the first treatment, whichever comes first. There is no limit on the number of accidents you can claim for over the policy lifetime.

Do Healthy Pets offer cover throughout my pets' life?

Our Maximum Benefit policies will cover your pet for its lifetime up to the maximum amount of benefit for each separate condition (£1,000, £4,250 or £7,500), subject to you renewing your policy with us and premiums being paid up to date.

Our Lifetime policies will cover your pet for its lifetime up to the maximum annual limit (£2,000 or £4,250) and the condition limit of £1,000 per condition pet policy year on the Lifetime Extra or £3,250 per condition per policy year on the Lifetime Premier.

Am I covered for ongoing conditions?

Bronze, Silver and Gold Maximum Benefit policies will cover you for eligible ongoing conditions that start after the inception of your policy, up to the maximum benefit of your chosen level (£1,000, £4,250 or £7,500) and subject to you renewing your policy with us and premiums being paid up to date.

Our Lifetime policies will cover you for eligible ongoing conditions that start after the inception of your policy up to the annual condition limit of £1,000 on the Lifetime Extra cover or £3,250 on the Lifetime Premier cover with an annual limit of £2,000 or £4,250 dependent on your chosen level. The limits reinstate when the policy is renewed subject to the premiums being paid up to date.

Accident Only Cover provides £1,000 per accident for treatment costs for up to 12 months from the date of the first treatment after your pet is hurt in an accident, subject to you renewing your policy with us and premiums being paid up to date. Please see our Policy Benefits for more details.

Are alternative remedies covered by Healthy Pets multi-pet insurance?

If an alternative medicine or remedy is recommended by your vet to help treat one of your pets, then Healthy Pets will cover the cost, up to the complementary medicine limit of your chosen cover level.

Do my pets need to be microchipped?

Dogs must be micro-chipped, but cats do not have to be.

Are my pets covered for ongoing illness or injuries?

Healthy Pets' Bronze, Silver and Gold Maximum Benefit multi-pet insurance policies will cover you for eligible ongoing illness or injuries that occur after your policy starts, up to the maximum benefit of your chosen level.

Healthy Pets' Lifetime Reinstatement multi-pet insurance policies will cover your pet for eligible ongoing illnesses or injuries up to the annual limit. At renewal the limit is fully reinstated and the condition will continue to be covered.

If you have Accident Only Cover you are eligible for £1,000 per accident for your pet's treatment costs, for up to 12 months from the date of the first treatment.

In all cases, cover is subject to you renewing your multi-pet insurance policy with Healthy Pets and premium payments being kept up to date.

What provision is there for my pets in old age?

Healthy Pets will cover your pets' veterinary fees throughout their lifetime and that of the agreement.

When will Healthy Pets not offer multi-pet insurance?

If one of your pets is known to be aggressive, or has any third-party prosecutions pending, Healthy Pets are unable to offer insurance. Also, Healthy Pets cannot offer cover for any dogs that have been involved in commercial guard, security or racing activities.

What is excluded from my policy?

Unfortunately, Healthy Pets cannot cover existing conditions for which your pets have received treatment, medication or advice for, or suffered symptoms of, before your multi-pet insurance policy began. However, any pre-existing conditions will not affect your premium cost.

What is the excess for my multi-pet insurance?

• Pets aged less than five-years-old pay a fixed excess: £99.

• Pets between the age of five and six years pay a fixed excess of £99 as well as a 15% co-insurance fee.

• Pets aged six years or above pay a fixed excess of £100 excess plus a 20% co-insurance fee.

Co-insurance is a common feature in multi-pet insurance, designed to lower the cost of premiums for aging pets. You pay this as a contribution towards any amount claimed that is above the fixed excess.