Best Multi-Pet Insurance Policies UK 2025: Expert Comparison

Owning multiple pets is a joy, but it also comes with the challenge of rising veterinary costs. The more pets you own, the higher your vet bills can be.

This is where multi-pet insurance can make a real difference. Covering all your pets under 1 policy gives you convenient and affordable protection—whether you’re covering routine care or unexpected emergencies. The best pet insurance providers will even offer discounts when adding additional pets.

To help you select the perfect multi-pet insurance for your needs, we’ve reviewed various providers in the UK and found the top 3.

Let’s compare plans that the top multi-pet insurance providers offer.

The following quotes are based on insuring a pair of 4-year-old female cats with no pre-existing health conditions. Note that it usually costs more to insure male animals and less to insure younger pets.

Our expert score: 4.5/5

Pros

Cons

Petplan offers 2 main policies: Covered For Life and Essential. Covered For Life provides ongoing coverage for the same conditions each year up to your annual limit as long as you renew without breaks. Essential covers up to £3,000 for 12 months per illness or injury, after which the condition isn’t covered.

For a pair of 4-year-old cats with no pre-existing conditions, Essential costs £23.92/month (£287.04 annually) with a £75 excess. Covered For Life with a £7,000 annual limit costs £39.98/month (£479.76 annually) with an £80 excess.

You can also add Death Cover for £1.40/month. This covers up to £3,000 if your pet dies from illness or injury before age 10.

Petplan’s multi-pet insurance policies allow you to insure up to 5 pets, and you’ll receive a £12 discount per pet each year.

Why buy? Expert verdict

Petplan is rated the UK’s top pet insurer—and for good reason. It claims to pay 97% of claims, with 90% paid within 5 working days. Petplan can pay a vet directly, or customers can easily claim online within the My Petplan area of their account dashboard.

The company also has over 15,000 5-star reviews on Trustpilot, and Which? rates Petplan highly for its customer and claims service—including a 5-star rating for Petplan’s speedy claims processing.

As standard, all Petplan policies cover dental illness/injury, behavioural conditions, up to £2,000 annually towards pet therapies (such as hydrotherapy), missing pet support of up to £3,000, and emergency boarding fees of up to £2,000. You can also enjoy features such as Pet Expert Chat for 24/7 advice, bereavement and legal advice helplines, and exclusive pet care offers.

Plus, Petplan’s claims pricing guarantee means it’ll never charge you more for claiming—though your price will increase slightly each year as your pet ages.

✍️ Have you used this pet insurance? Share a rating and review for Petplan and check out what others have to say.

Our expert score: 4/5

Pros

Cons

Many Pets has 3 primary policies: Value 3K, Regular 7K, and Complete 15K. Each provides the stated amount in veterinary bill coverage.

A Value 3K multi-pet policy works out at around £20/month for 2 cats, whereas a Complete policy would be closer to £36. For an extra £1.56/month, you can opt for the 20% MoneyBack feature, which allows you to receive 20% of your premium for every year you don't need to claim.

All Many Pets policies are for life. You can insure up to 5 pets on a multi-pet policy while enjoying a discount of up to 15%.

However, cheaper policies don’t include features such as travel, death, or missing and stolen cover.

Why buy? Expert verdict

Boasting over 16,000 5-star reviews on TrustPilot, Many Pets is a favourite among pet owners. It’s also one of the few insurers to offer coverage for pre-existing conditions (with certain restrictions), which is why it’s on our list as the best pet insurance for senior animals. Plus, Many Pets doesn’t impose upper age limits for insuring cats and dogs.

Additionally, Many Pets requires 1 excess payment per policy year instead of per condition. You pick the amount upfront; the higher the excess, the lower your monthly fee. Even with the lowest excess selected (£69), a Regular 15K pet insurance lifetime plan would still only cost £36.10/month for 2 cats under 5 years old. Alternatively, you can opt for co-payment, which is your contribution to each claim. A higher co-payment lowers your premium and potentially saves you money, but you’ll want to ensure the amount you choose is still affordable in case of an unexpected claim.

Many Pets also offers various perks, including discounted cat and dog food, reduced-price flea, tick, and worming treatment, and 50% off a first-year membership to TrustedHousesitters, so there’s always someone to watch your pet when you’re away.

Plus, you can benefit from free 24/7 FirstVet video consultations and coverage for accidents and illnesses, diagnostics (such as blood tests), medications, dental accidents, and procedures such as surgeries and emergency care.

Our expert score: 4/5

Pros

Cons

Agria is one of the best multi-insurance providers for dogs, cats, rabbits, and horses. It offers 4 policies: Lifetime Lite, Lifetime, Lifetime Plus, and Lifetime Premium. Lite is the cheapest, offering £3,000 coverage in vet fees for around £25/month for 2 cats. Premium would set you back about £50 monthly—but you’d get a whopping £20,000 vet bill coverage per year.

Even with the most expensive Premium policy, you’ll have to pay an add-on fee if you require coverage for occurrences such as death and loss, boarding, and travel.

You can choose between paying a fixed excess of £95 or £170 once per year for each condition you claim. However, you’ll also have to pay a compulsory 10% variable excess for every claim. This raises your claim contribution but can keep your yearly premium lower overall. However, if you’d like to discuss other excess options, you’ll have to contact Agria directly.

Why buy? Expert verdict

Named best pet insurance overall in 2024 by The Telegraph, Agria also won Which? Best Buy for dog and cat insurance in 2024. Reporting to pay 98% of all claims, Agria pays your vet directly, so you don’t have to worry about lengthy claims processes.

As standard, Agria policies include coverage for conditions such as dental illness and injury, diabetes, and feline AIDS (if there were no symptoms before the start of the policy). You can enjoy 24/7 access to expert advice via the Agria app, up to £1,500 to help find your pet if they’re lost or stolen, up to £750 to see a pet behavioural specialist, and free access to the Pet 24 Reunite Service for the first 12 months of a new policy.

Plus, with no increase in your premiums when you claim and 5 weeks of free coverage for newly rescued dogs and cats through partner rescue centres, Agria provides excellent value for money. Read more Agria Pet Insurance reviews or leave your own review.

Pet insurance providers often offer multiple policies, each with different levels of coverage to suit various needs. Let’s explore the main types below.

The right multi-pet policy will depend mainly on your needs, your pets’ needs, and your budget.

If 1 or multiple pets have ongoing health conditions, a lifetime insurance policy would likely be best and—though more expensive on paper—would save you money in the long run. It also allows you to budget for larger vet bills since you pay monthly towards it.

Similarly, time-limited multi-pet insurance would provide affordable but temporary coverage for unexpected situations without the need to pay for lifelong protection your pets may not need. This policy would be ideal for generally healthy pets needing treatment for an acute injury or illness.

The species, age, and sex of the pet you’re insuring can also impact the cost of your multi-pet insurance policy. Other factors include pre-existing health conditions, whether your pet is vaccinated, microchipped, neutered/spayed, and whether it has ever been used for breeding or racing.

Multi-pet insurance covers the same treatments as individual pet insurance but also allows you to protect multiple pets under 1 plan. It usually includes coverage for:

Multi-pet policies also offer discounts for each additional pet, providing a cost-effective way to protect several animals.

Coverage options range from basic accident-only to comprehensive lifetime protection, and some policies include additional extras—such as reimbursing boarding costs if you can’t care for your pets due to illness or injury.

When selecting a pet insurance provider, consider these factors:

Amount of coverage

Consider how much coverage you need for each pet. Lifetime coverage is ideal for pets with long-term health issues, while time-limited or maximum benefit policies may suit pets with fewer medical issues.

Excess

The excess is the amount you pay before your provider covers the rest. Some policies have higher excesses to keep premiums low, but this means higher out-of-pocket costs if your pets require treatment. Ensure the excess is manageable for your budget.

Exclusions

Make sure you’re aware of any exclusions within your policy, such as pre-existing conditions, certain breeds prone to hereditary issues, or specific treatments like dental care. Read the fine print to avoid unexpected gaps in coverage.

Discounts for multiple pets

Many insurers offer discounts when insuring multiple pets. Compare the discounts and how much they reduce your premiums, as they can significantly reduce the overall cost.

Claims process and customer service

Look for companies with positive reviews for claims handling and support, as this simplifies your experience when making a claim.

Flexibility

Ensure the policy allows you to adjust coverage as your pets’ needs change. Flexibility can be important if your pets' health worsens or if you want to add more pets to your plan.

Our picks were based on an analysis of each provider’s lifetime cover for multiple pets. We kept the pets consistent across each quote so they were easily comparable. We then looked at factors such as:

Cover levels

We compared the coverage for vet bills and ensured this could be adjusted for individual preferences.

Pre-existing conditions

We included only policies that covered pets with pre-existing conditions, as many owners need this coverage, particularly for older pets.

Monthly and annual cost

We aimed to include policies that provide a high level of coverage without compromising on affordability.

Excess

We examined excess fees for claims to ensure a low monthly plan cost didn’t come at the expense of a high excess fee.

Customer reviews

Finally, we checked customer reviews of pet insurance companies. Positive reviews indicate high customer satisfaction with the policies suggested.

Yes, multi-pet insurance is worth it. Without an NHS equivalent for pets, unexpected vet bills can quickly become expensive. Multi-pet policies offer peace of mind, reassuring you that you won’t have to bear the financial burden alone—especially when caring for multiple pets.

The best multi-pet policy for you will depend on your individual needs. However, good policies offer comprehensive coverage with discounts for additional pets. Providers such as Petplan, Many Pets, and Agria balance affordability and flexibility with lifetime coverage, ensuring both your pets and your finances are protected.

Yes, many insurers offer multi-pet plans that allow you to insure several pets under 1 policy, often with discounts for each additional pet. This can be more convenient and cost-effective for owners with multiple pets.

The right multi-pet insurance ensures your pets receive the best care without financial strain. With pet care treatments rising in cost, comprehensive coverage can provide peace of mind, knowing you won’t have to shell out tons of cash for unexpected vet bills.

Each pet is unique, so it’s crucial to select a policy that meets its specific needs. You can make an informed decision by comparing options and considering factors such as coverage, excess, and multi-pet discounts. But don’t wait for an emergency—buy insurance today to protect your pets (and your wallet).