Multi-Pet Insurance

Insurance to cover all your pets in one policy.

  • Add two or more pets when purchasing a policy
  • Easily add a pet to your existing agreement
  • 20% discount when buying a new policy

Get a multi-pet insurance quote from Healthy Pets, specialists in dog and cat insurance. Healthy Pets and Towergate are part of The Ardonagh Group.

Get a quote
Retrieve a quote

For multi-pet insurance to suit you, call now:

01730 230 564

Weekdays 8:30am-6:15pm, Saturday 9am-1pm

Multi-pet insurance features include:

Easily add a second pet to your insurance

If you're expecting an addition to your pet family, adding them to your existing pet insurance agreement couldn't be easier. Simply complete this online form and Healthy Pets will cover your new pet as soon as possible.

Multi-pet insurance to suit your needs

Healthy Pets' multi-pet insurance can provide cover for vet fees; death from injury; advertising and reward; theft or straying, boarding kennel fees; and holiday cancellation. Third-party liability cover is provided for dogs only.

Vet bills paid directly

To make things easy and stress-free, Healthy Pets can pay vet bills for your pets directly for any treatment costs, including complementary medicine, cruciate ligament treatment, special diets, CT/MRI scans and associated costs, and dentistry as a direct result of an accident or injury.

Insurance tailored to each pet

Each pet will have a separate policy number, for clarity and allowing you to tailor cover to your animals' individual needs. Healthy Pets' multi-pet insurance is available in six levels: Accident Only, Bronze, Silver, Gold Premium, Lifetime Extra and Lifetime Premier (details below).

Find the right level of multi-pet insurance cover for you using this handy table.

  Accident Only Bronze Silver Gold Lifetime
Cover for accidents
Cover for illness
Vet's fees
(breakdown below)
Up to £1,000 per accident/injury Up to £1,000 per condition Up to £4,250 per condition Up to £7,500 per condition £2,000 in total in each period of insurance. £1,000 maximum for each illness or injury in each period of insurance. £4,250 in total in each period of insurance. £1,000 maximum for each illness or injury in each period of insurance.
- Complementary medicine £400 £400 £500 £750 £500 £750
- Cruciate ligament total £500 £1,000 £1,500 £1,500 £1,000 £1,500
- Special diet £100 £100 £100 £100 £100
- CT/MRI scans and associated costs £500 £875 £1,875 £875 £1,875
- Dentistry as a direct result of an accident or injury £1,000 £4,250 £7,500 £2,000 £4,250
Cover for ongoing conditions Up to 12 months
Accidental damage (dogs only) £500 £500
Third-party liability (dogs only) Up to £1 million (excess of £250) Up to £1 million (excess of £250) Up to £1 million (excess of £250) Up to £1 million (excess of £250) Up to £1 million (excess of £250) Up to £1 million (excess of £250)
Death from illness £500 £1,000 £500 £1,000
Death from accident £500 £1,000 £500 £1,000
Advertising and reward £500 £1,000 £500 £1,000
Theft or straying £500 £1,000 £500 £1,000
Boarding kennel fees £500 £1,000 £500 £1,000
Holiday cancellation £500 £2,000 £500 £2,000
Overseas travel 30 days 30 days 12 months 30 days 6 months

Multi-Pet Insurance Claims

Healthy Pets know that if your pet is ill or injured it can be very stressful, so aim to make service as quick and easy as possible.

You do not need to tell Healthy Pets before your pet is treated, and payment can be delivered either to you or straight to your vet.

Need to make a claim?

To make a multi-pet insurance claim, complete and submit this online claim form request form. Healthy Pets aim to respond with a decision within 10 working days.

Healthy Pets will email you an easy-to-complete claim form to be filled in by you and your pet's vet, with a step-by-step guide.

Alternatively you can email and Healthy Pets will aim to reply within one working day, or call friendly staff who will be happy to help you:

01730 230 564

Lines are open weekdays 8:30am-6:15pm and Saturday 9am-1pm.

Multi-Pet Insurance FAQs

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 multi-pet insurance?

Healthy Pets' Lifetime Reinstatement multi-pet insurance policies can pay out £2,000 in total in each period of insurance, with a £1,000 maximum for each illness or injury in each period of insurance (Lifetime Reinstatement Extra policy) or £4,250 in total in each period of insurance, with a £1,000 maximum for each illness or injury in each period of insurance (Lifetime Reinstatement Premier policy).

Healthy Pets' Maximum Benefit multi-pet insurance policies can pay out up to £1,000, £4,250 or £7,500 for each injury or illness per pet, depending on which cover you selected. You can claim for an unlimited number of injuries or illnesses during the policy, and there is no time limit. However, cover for each individual pet's condition will cease once the Maximum Benefit for it is reached.

Healthy Pets' Accident Only multi-pet insurance we can provide up to £1,000 per accident over a 12-month period, as long as you renew your policy and payment premiums are kept up to date. Cover ceases once you have spent £1,000 or 12 months after treatment started, whichever is reached first. There is no limit to the amount of accidents you can claim for during the lifetime of your multi-pet insurance policy.

Do Healthy Pets offer cover throughout my pets' life?

Healthy Pets' Maximum Benefit policies cover your pets’ whole life, up to the maximum benefit for each separate injury or illness, regardless of the time taken to reach the policy limit.

Healthy Pets' Lifetime Reinstatement policies cover your pets’ whole life, up to the financial limit. If the limit is reached during the insurance year, the cover stops until the policy is renewed. At renewal the limit is fully reinstated and the condition will continue to be covered in the policy the following year.

In both cases you must continue to renew your multi-pet insurance with Healthy Pets and keep your premiums up to date.

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.

  • For all multi-pet insurance claims, you pay the excess for each illness or injury in each policy year. If one of your pets receives treatment for the same injury or illness in separate policy years, Healthy Pets will deduct the fixed excess from the first claim(s) for each condition in each policy year.

    Are there any breeds Healthy Pets cannot insure?

    Healthy Pets do not provide cat insurance for any breed that is not listed on the breed selection options when quoting. These include, but are not limited to, Savannah cats, or cats crossed with a Savannah, as well as the below breeds of dog, or dogs crossed with any of these breeds.

    American Bandogge American Bulldog American Pit Bull Terrier American Staffordshire Bull Terrier
    Argentinean MastiffBandogge MastiffBoerboelBully Kutta
    Cane CorsosCao FilaCzechoslovakian WolfdogDogo Argentino
    Dogue BrasileiroFila BrasileiroJapanese TosaKorean Jindo
    Lybian Desert DogLaika Old Tyme BulldogPit Bull Mastiff
    Pit Bull TerrierSarloos WolfhoundTamaskanTosa Inus
    Victorian Bulldog Wolf Hybrid
    Regulatory information

    Healthy Pets and Towergate Insurance are both part of The Ardonagh Group. Healthy Pets, a trading name of Healthy Pets Limited (company number 3209135), and Towergate Insurance, a trading name of Towergate Underwriting Group (company number 4043759) are registered in England at Companies House.

    Healthy Pets Ltd and Towergate Underwriting Group are both authorised and regulated by the Financial Conduct Authority and both companies are registered with the Financial Conduct Authority using the reference numbers 311749 and 313250 respectively. For more information visit the FCA website or contact the FCA on 0800 111 6768.

  • Request a callback

    Full name   Contact number     Email address     Please note: This service operates only during office hours.

    Thank you for subscribing to our newsletter

    Newsletter Terms and Conditions

    By signing up to Towergate’s newsletter you are agreeing to receive quarterly email communications containing a range of news, top-tips, competitions and occasional offers for insurance products and/or services. Our newsletters are designed to keep you up to date with what we’re involved in, as well as other advice and content that we think you might find interesting.

    Should you wish to unsubscribe please click here, or email with your details so we can carry out your request.