Multi-pet insurance for dogs and cats

Pets on the same policy save up to 15%

Protect your pets and your pocket with one of the highest multi-pet insurance discounts in the UK (Excludes Value £2k).

  • Discount applies every year you renew
  • Up to £15,000 vet fee cover per pet
  • No upper age limits
  • Unlimited, 24/7 online vet advice service
4.4 | 5,186
4.4 out of 5
Read more reviews at Feefo

What is Multi-pet insurance?

When you’ve got a whole pack of pets to cover, we know the costs can quickly mount up. That’s where Multi-pet insurance can help.

It has all the same benefits as our other pet insurance, but rewards you with a discount when you insure more than one pet on the same policy. As long as you’re happy for all your pets to have the same level of cover, multi-pet insurance can work out cheaper than buying separately.

At ManyPets, we offer a Multi-pet discount of up to 15%, which is available on all of our policies apart from our Value 2k. That’s one of the highest multi-pet discounts in the UK – and it applies every year you renew.

How does our Multi-pet insurance work?

It’s simple. Each pet has its own separate vet fee limit, so you don’t need to worry about cover being split between pets. You can take out a Multi-pet policy from the start, or you can add a pet at any time via My Account. And it can cover any cat, dog combo you like.

An example. A cat and dog on the same Complete policy can qualify for up to 15% off their premium price. Result! But if the dog is on our Complete policy and the cat is on our Regular policy? Then you pay full price.

You can even add pets that have pre-existing conditions. As long as your pet’s been free from signs, symptoms, treatment, medication or advice for an issue for two years, a condition will be treated as new once you have a policy with us.

For conditions that have occurred within two years, there’s our Pre-existing policy, which also offers the benefit of a 15% multi-pet discount.

ManyPets' award-winning pet insurance

We are proud to have been voted the Pet Insurance Provider Of The Year in the 2022 Moneyfacts Consumer Awards.

Why our Multi-pet insurance plans are different

Free, fast, vet advice on your phone. Available evenings, weekends, whenever you need.
A document with a pound symbol and a tick

Simple claims

Claim online with no paper forms. We’ll update you on its progress.



A 20% MoneyBack option on most policies that pays money back if you don’t need to claim.

A dial set to maximum

Quality cover

£15,000 of vet fee cover that includes dental and behavioural treatment with our Complete policy.

Two speech bubbles, one with a play symbol and the other with a vet

24/7 online vet advice

Free, fast, vet advice on your phone. Available evenings, weekends, whenever you need.

Compare multi-pet insurance policies

See how some of our key features stack up against three popular pet insurers.

ManyPets Petplan Animal Friends Tesco
Multipet discount Up to 15% off total premium £12 per pet per year None available 10% with policy restrictions
Dental illness cover Up to £15,000 Up to £12,000 Up to £3,000 Up to £10,000
Covers conditions that ended two years ago ✔️ Depends on insurers decision ✔️
All policies are lifetime ✔️
All policies are lifetime ✔️
Pet health perks and discounts up to £500 ✔️
24/7 online vet advice ✔️ ✔️ ✔️

Table updated on 26/6/23

A vet walking out of a phone to pet a dog

Unlimited, 24/7 online vet advice

Ever wished you had a vet in your phone contacts? Now you do. As a member of our pack, you have access to unlimited, 24/7 vet advice at no extra cost.

It’s there to provide reassurance for all the times when you’re not sure if a vet visit is needed. Minor illnesses, out-of-hours accidents, anything in-between – speedy, professional advice is only ever a few taps away.

And the best part? Using the service has no impact on your claims history — so you can get stress-free vet advice safe in the knowledge your renewal price won’t be affected.

Kate Lawler holding her two dogs

The service they provide is brillliaaant!

I already recommend ManyPets to all of my friends who are dog owners because I think it’s the best insurance. I chose them because it was just a really straightforward choice, the reviews were great and the cover was better than any other. It's one of the best decisions we’ve ever made for them.

Which policies have a multi-pet discount?

A 15% multi-pet discount is available across all our policies apart from Value 2k. All you need to do is decide which policy is best for you. Don’t forget, to get the discount your pets will need to be on the same policy. You can add pets at any time during your policy year.

Complete Regular Pre-existing Value
Policy details
Vet fee cover £15,000 £7,000 £7,000 £3,000
Dental cover Accidents and illness Accidents only Accidents only Accidents only
Pre-existing conditions cover
Cover for conditions that ended 2 years ago
Cover for conditions that ended 2 years ago
Cover for conditions that ended 2 years ago
Unlimited, 24/7 online vet advice
Pet house sitter membership £99/yr

How to choose the best insurance for multiple pets

You’ll need to think about whether the policy offers the right level of cover for all your pets. Look at the vet fees and policy features and how important it is to have these covered.

You should also check how the policy works, whether its Lifetime, Per condition or Time-Limited as this will affect how long you can claim for a condition. Don’t just focus on discounts or how cheap the multi-pet insurance is.

All ManyPets policies are Lifetime and our Complete policy will cover your pet for dental illnesses and accidents up to £15,000 as long as your pet has an annual dental check up and you follow any vet recommended treatment within 6 months.

ManyPets Reviews

Rated 4.6/5 stars on Feefo by more than 18,000 customers in the past year, up to October 2022.

5 out of 5
Feefo independent customer feedback

“Fantastic pet insurance”

I’ve had to make multiple claims in a short space of time and each time it has been so easy to do, no stress at all, when your pet is unwell that is enough of a worry so I’m glad they make the claim process so easy.

5 out of 5
Feefo independent customer feedback


This is by far the best pet insurance company I’ve used to date. Claims are processed quickly and any queries are dealt with promptly. I find the premiums reasonable and shall continue to use them for my perfect little pet.

5 out of 5
Feefo independent customer feedback

“Glad I changed insurer”

Excellent service! Very helpful when I called with a query and then very prompt settlement of my claim.

5 out of 5
Feefo independent customer feedback


I would certainly recommend this company, simple claims procedure and understandable policy and helpful staff.


Multi-pet insurance FAQs

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

What is covered by a multi-pet policy?

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

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

Is multi-pet insurance cheaper than separate policies?

Our Multi-pet discount can make it cheaper to insure more than one pet on the same policy. It’s important to choose the right policy for your and your pets’ needs. Some owners might decide to choose different policies for multiple pets even though we aren’t able to offer a discount in this case.

What are the benefits of multi-pet insurance?

You can get a 15% discount when insuring multiple pets on the same policy. However, you should check that you’re happy with the same policy coverage for both pets.

Can you get multi-dog insurance?

Yes, we cover both dogs and cats with our Multi-pet policies.

Can you get multi-cat insurance?

Yes, we cover both dogs and cats with our Multi-pet policies.

What is the claims process?

We've made it easy to claim online for any of your pets. You just go to My Account and choose the pet you want to make a claim for. We need a few basic details like who your vet is and what you’re claiming for and we’ll do the rest. You’ll be able to track the progress of your claim in My Account. You can also call us to make a claim if you need to. Find out more about how to claim.

Can I get a Multi-pet policy for older cats and dogs?

Yes, you can get a 15% Multi-pet discount for older pets on the same policy and there’s no upper age limit for pets to be insured.

However, if you take out a policy with us after your pet's 9th birthday, you'll need to pay a compulsory excess of £99 and a 20% co-payment of each claim. If you join before your pet's 9th birthday, their excess will be a minimum of £69 (unless you chose a higher excess), plus 20% co-payment of each claim.

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

Are pre-existing conditions included in multi-pet insurance policies?

If your pet has been free from signs, symptoms, treatment, medication or advice for the last two years, you’ll likely be able to pick any of our policies. Our Multi-pet discount will be applied if you add more than one pet to the same policy.

If your pet has had signs, symptoms, treatment, medication or advice for an issue within the last two years, it’s classed as pre-existing. We can cover those conditions under our Pre-existing policy, once they’ve been free from treatment, medication or advice for three months. Again, if you insure more than one pet onto the Pre-existing policy, a multi-pet discount will be applied.

How many pets can I insure on a Multi-pet policy?

You can insure up to five pets (cats and dogs combined) on the same policy when buying our insurance online. However, if you wish to add more pets you can – just give our friendly customer service team a call and they’ll sort it for you.

You’ll get a 15% discount automatically applied, once you add more than one pet.