Multi-Pet Insurance
Every pack deserves trusted protection. At Perfect Pet, our multi pet insurance covers your whole crew of dogs and cats under one policy, one renewal date, and a 15% multi pet discount, with cover you can tailor to each pet's needs.
Regulated by the Financial Conduct Authority.
- 15% discount when you take out multi-pet insurance with us
- Rated 'Excellent' on Trustpilot from over 15,000 reviews
- We’ve settled 97% of claims within five working days and we can pay your vet directly
- Free 24/7 vet calls, expert advice whenever you're worried
Trusted by thousands of UK pet owners for over 8 years, with up to £5,000 of annual vet fee cover, and we can pay your vet directly.
What is multi-pet insurance?
Multi pet insurance is a type of pet insurance cover that lets you protect more than one dog or cat under a single policy, with a 15% discount applied when you take out cover for your pets at the same time.
You can pick and choose the level of cover for each pet, mixing and matching between lifetime, maximum benefit and time limited, depending on their age, breed and health needs. Accident only cover is also available, though it doesn’t qualify for the multi pet discount. Everything renews on one date, so there’s no juggling separate policies or payment days for each pet in your pack.
There’s more to it than the cover, too. Along with your policy, you’ll get handy extras like free 24/7 vet advice, a low £90 excess, direct payments to your vet, and money off top pet brands through our Perks & Offers. The little things that make life with your pack that little bit easier, and a bit cheaper too.
Terms and conditions apply. Multi pet discount available when policies for multiple pets are purchased direct and at the same time.
Regulated by the Financial Conduct Authority. 
Cover tailored to every pet in your pack
- Mix and match cover levels for each pet
- Save 15% when you insure your pets together
- Low £90 excess, and we pay your vet direct
Award-winning and rated 'Excellent' on Trustpilot
- Voted Best Pet Insurance Provider 2025
- Moneyfacts 5-star rated (Elite Extra Plus dog insurance)
- Rated 'Excellent' on Trustpilot from over 15,000 reviews
Packed with extras, at no extra cost
- Free 24/7 Vet Assist, by phone or video*
- Money off top pet brands with our discounts and perks
- Free online symptom checker
Rated 'Excellent' on Trustpilot
From over 15,000 independent reviews.
Compare our Multi-Pet Insurance policies
Compare our multi pet insurance options to find the right cover for every pet in your pack. Choose different levels of protection for each dog or cat, all under one simple renewal. Enjoy great value cover with a 15% multi pet discount, designed to keep all your pets protected.
| Lifetime Protection for your pet against acute and chronic conditions for the duration of its life. | Maximum Benefit Claim for vet fees to treat accidental injuries and illnesses up to a pre-set limit. | Time Limited Insurance that covers vet fees for accidents and illness for a limited period of time. | Accident Only Treatment for your pet in the event of a sudden and unexpected accidental injury. | |
|---|---|---|---|---|
| Vet fees (per condition) | £1000, £2000, £3000, £4000 or £5000 | £1000 or £4000 | £1000 or £2500 | £1000 |
| Third party liability (dogs only) | £1500000 - £2500000 | £1000000 - £1500000 | £1000000 - £1500000 | ✘ |
| Complementary treatment | ✓ | ✓ | ✓ | ✓ |
| 24/7 vet advice | ✓ | ✓ | ✓ | ✘ |
| Overseas holiday cover | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Holiday cancellation | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Missing and stolen | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Advertising and reward | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Emergency boarding | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Death from illness or accidental injury | £500 - £1000 | £500 - £750 | £250 - £500 | ✘ |
| Excess | £90 per condition, per policy year, except for Third Party Liability claims where an excess of £250 per claim applies. | |||
| View Lifetime | View Maximum Benefit | View Time Limited | View Accident Only | |
Regulated by the Financial Conduct Authority.
24-7 Vet Video Advice
+ Symptom Checker
Explore our range of policies and join the pack for insurance that speaks your pet’s language.
Why choose Perfect Pet Multi-Pet Insurance?
Looking after more than one dog or cat shouldn’t mean more admin or a bigger bill. Our multi pet insurance covers your whole pack under one policy, with savings and support built in for every member of the family.
15% Multi Pet Discount
Save 15% on every pet’s cover when you insure them together, one of the highest multi pet savings around.
One Simple Renewal
No more juggling separate renewal dates or payments. Your whole pack renews together, on one date, every year.
Cover Tailored to Each Pet
Mix and match cover levels for every dog and cat, so each pet gets the protection that suits their age, breed and health needs.
Trusted Support for Your Pack
Free 24/7 vet advice, a low £90 excess, direct payments to your vet, and money off top pet brands through our Perks & Offers, for every pet on your policy.
Regulated by the Financial Conduct Authority.
We’re here for you and your pets
With your pet policy, you’ll also get trusted tools and expert help that make health worries easier to handle and everyday care more affordable.
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Signs & symptoms checker
Check your dog's and cat's symptoms and get rapid help at your fingertips with our free, vet-approved Symptom Checker.
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24/7 vet assist video & telephone calls
Get trusted triage advice and find out what might be wrong. Fast, professional help with no appointment needed.
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Save big on prescription medication
Save an average of 57%* on prescribed meds. Trusted pet drugs, straight to your door.
Discover multi-pet insurance for every kind of cat and dog
From lively young pets to loyal seniors, every member of your pack deserves cover that fits their needs. Choose from lifetime, maximum benefit or time limited cover for each pet, mixed and matched however suits your family. Choose the option below that matches your pack.
Lifetime Insurance
Lifetime pet insurance provides an annual vet fee allowance that refreshes each year you renew. It helps cover long-term and recurring conditions as well as new illnesses or injuries, offering the most comprehensive level of protection throughout your pet’s life. Discover Lifetime
Time Limited Insurance
Time-limited pet insurance covers each new illness or injury for up to 12 months from the first treatment, or until the vet fee limit is reached, whichever comes first. After that period, the condition is no longer covered. This option can be a lower-cost choice, but it offers less protection for ongoing or recurring health issues over time. Discover Time LimitedMaximum Benefit
Maximum benefit pet insurance provides a set amount of money per condition that you can claim until the limit is reached. There’s no time limit on claims, but once the allowance is used up, the condition won’t be covered again. This type of cover may suit pets with occasional health needs but not long-term or chronic conditions. Discover Maximum Benefit
Accident Only
Accident-only pet insurance covers injuries caused by accidents, such as cuts, broken bones or road accidents. It does not cover illnesses, third party liability or long-term health conditions. This is the most basic type of pet insurance, offering limited cover for unexpected accidents only, often at a lower cost. Discover Accident OnlyMore memories, less worry.
You make the memories, we’ll handle the mishaps. Get your quote in minutes and see exactly what’s covered before you decide.
Regulated by the Financial Conduct Authority.
Multi-Pet Insurance
FAQs
Find out more about Perfect Pet multi-pet insurance policies for cats and dogs with the questions our customers have asked.
Multi pet insurance allows you to insure more than one pet under the same provider, often with a discount applied to each policy.
With Perfect Pet, you can cover multiple dogs and cats, manage everything under one account, and benefit from a 15% multi pet discount while still choosing individual cover levels for each pet.
Yes, multi pet insurance is often more cost-effective than buying separate policies, thanks to the multi pet discount. With Perfect Pet’s 15% discount, you can enjoy great savings every year you continue to renew with us.
To get the 15% multi pet discount, start a quote online and add all of your pets.
You can then pick and choose which cover you’d like for each of your pack.
- Tell us about each cat or dog you want to insure in one simple online quote.
- Select the cover level you want for each pet. Choose from lifetime, time-limited or maximum benefit plans.
- Get 15% off when you add multiple pets at the same time with a single renewal date – no worries about sorting out your pets’ cover at different times!
- Claim as you normally would if you need to.
- You’ll receive a reminder when it’s time to renew your pets’ multi pet policy – and continue to receive the 15% discount.
Enjoy peace of mind for your whole pet pack – all in one place!
Our Lifetime Elite Extra Plus policy provides £5,000 of vet fee cover per condition minus your excess and any co-payment.
There’s no limit to the number of conditions or accidents you can claim for. However, keep in mind that related injuries or illnesses may be grouped together and covered under the same policy limits.
And because it’s a lifetime policy, your cover reinstates each year when you renew – so you can continue to claim for ongoing conditions, year after year.
Yes. Multi pet insurance with Perfect Pet is flexible, allowing you to tailor cover for each pet based on their age, breed, health needs and budget.
You can mix and match different types and levels of cover while still benefiting from the multi pet discount.
Accident-only cover is excluded from the multi pet discount.
Your multi-pet policy helps protect your pets in case of:
- Accidents and injuries
- Illnesses and chronic conditions
- Vet treatment fees as they arise
- Confidence knowing you’re ready for the unexpected
We welcome puppies, kittens, adult pets and seniors… cover them all at the same time to take advantage of the 15% multi pet policy discount.
Yes, Perfect Pet multi pet insurance is a single renewal date. This makes managing your policies simpler, reduces paperwork and helps you keep track of cover for all your pets in one place.
To qualify for the 15% multi pet discount, your pets’ policies need to be purchased at the same time.