insurance guide
Dog Insurance Guide
Why do you need insurance for your dog, and what features and exclusions are usually found in this type of pet insurance? Read our guide to find out more.
View insurance guide
Insurance to cover all your pets in one 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 quoteFor multi-pet insurance to suit you, call now:
Weekdays 8:30am-6:15pm, Saturday 9am-1pm
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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.
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.
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.
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).
| Accident Only | Bronze | Silver | Gold | Lifetime reinstatement: Extra |
Lifetime reinstatement: Premier |
|
|---|---|---|---|---|---|---|
| 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 | |
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.
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:
Lines are open weekdays 8:30am-6:15pm and Saturday 9am-1pm.
Read our articles and guides to find out more about pet insurance:
insurance guide
Why do you need insurance for your dog, and what features and exclusions are usually found in this type of pet insurance? Read our guide to find out more.
View insurance guide
insurance guide
Why do you need insurance for your cat, and what features and exclusions are usually found in this type of pet insurance? Read our guide to find out more.
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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.
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.
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.
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.
Dogs must be micro-chipped, but cats do not have to be.
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.
Healthy Pets will cover your pets' veterinary fees throughout their lifetime and that of the agreement.
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.
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.
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.
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 Mastiff | Bandogge Mastiff | Boerboel | Bully Kutta |
| Cane Corsos | Cao Fila | Czechoslovakian Wolfdog | Dogo Argentino |
| Dogue Brasileiro | Fila Brasileiro | Japanese Tosa | Korean Jindo |
| Lybian Desert Dog | Laika | Old Tyme Bulldog | Pit Bull Mastiff |
| Pit Bull Terrier | Sarloos Wolfhound | Tamaskan | Tosa Inus |
| Victorian Bulldog | Wolf Hybrid |
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.