Understanding Multi-Pet Insurance – UK 2025 guide
Owning more than one pet is rewarding, but the financial side can be challenging. Vet bills, food, grooming, and accessories already add up, and the cost of insuring multiple pets can feel overwhelming. Multi-pet insurance is designed to ease this pressure by giving households with two or more animals a way to save money while keeping cover consistent.
In 2025, the UK market for multi-pet insurance is growing, with providers like Petplan, ManyPets, Animal Friends, and Direct Line all advertising discounts for insuring more than one animal. These deals can be attractive, but the real value depends on your circumstances.
How Multi-Pet Insurance Works
A multi-pet policy bundles several pets under one provider and one renewal date. Each pet is still insured individually, with its own cover type and vet fee limit, but the account is shared.
Common features in 2025 include:
- Discounts of 5%–15% for additional pets.
- Flexibility to mix cover types (for example, lifetime for one pet, accident-only for another).
- Simplified administration, with one renewal date and one set of documents.
Most insurers limit the number of pets per policy to between 4 and 6, though some providers only cover dogs and cats, excluding rabbits and exotics.
How Much Can You Save?
Savings depend on the insurer, the pets’ ages, and their health status. In general:
- Petplan offers a 10% discount for each additional pet insured under the same policy.
- ManyPets also provides savings and highlights the convenience of managing multiple pets under one plan.
- Animal Friends applies multi-pet discounts across many of its accident-only and lifetime ranges.
- Direct Line’s multi-pet option keeps policies under one account, though the discounts can be smaller.
In real terms, if you pay £25 per month for one dog on a lifetime policy, adding a second pet could bring the monthly premium down to £22.50 per animal — a saving of £60 per year across both pets. With three or more animals, the benefits multiply.
Advantages of Multi-Pet Insurance
Financial savings: Discounts add up quickly for households with multiple pets.
Convenience: One provider, one renewal date, and a single point of contact make life easier.
Cover flexibility: Lifetime, accident-only, maximum benefit, and time-limited policies can be mixed within a single multi-pet plan.
Streamlined claims: Handling claims through the same provider can speed up administration, especially if you’re dealing with multiple conditions at once.
Drawbacks to Consider
Older pets may reduce value: Premiums for senior animals are higher, and combining them with younger pets can reduce the effectiveness of the discount.
Species limitations: Some insurers only apply discounts to cats and dogs.
Switching difficulties: If one pet develops a chronic condition, it may tie you to the policy. Moving all pets to a new insurer could mean losing continuity of cover for that condition.
Not always the cheapest: Separate standalone policies, especially from budget providers, sometimes beat multi-pet deals even after discounts.
When Multi-Pet Insurance Makes Sense
Multi-pet policies are ideal if your animals are of similar age, health, and species. They work especially well for:
- Families with multiple puppies or kittens.
- Households where pets are all on accident-only or time-limited cover.
- Owners looking for simplicity in managing policies.
By contrast, if you have a senior dog with health conditions and a young cat, it may be cheaper and more flexible to split the cover. The dog may need a full lifetime policy, while the cat could thrive on a cheaper accident-only plan.
Comparing Multi-Pet Insurance to Other Options
If cost is the main concern, compare multi-pet deals with individual cheap policies.
Related Reading
- Cheap Pet Insurance UK 2025
- Cheap Dog Insurance UK 2025
- Cheap Cat Insurance UK 2025
- Petplan Insurance Review UK 2025
- ManyPets Insurance Review UK 2025
Standalone budget policies can sometimes save more than a 10% multi-pet discount, particularly if one animal is classed as high-risk.
FAQs – Multi-pet Insurance UK 2025
How many pets can I add to one policy?
Most providers allow between 4 and 6 pets under a single multi-pet plan.
Do all pets get the discount?
Yes, though some providers apply the discount only from the second pet onwards.
Do pets share the same cover limit?
No. Each pet retains its own vet fee limit and level of cover.
Can I mix different types of cover under one policy?
In many cases, yes. For example, one pet could have lifetime cover while another is on accident-only.
Is multi-pet insurance always cheaper?
Not always. Discounts can be attractive, but separate policies sometimes work out better depending on age and breed.
Which providers offer multi-pet insurance in 2025?
Petplan, ManyPets, Direct Line, and Animal Friends are among the best-known UK providers advertising multi-pet discounts.
Conclusion
Multi-pet insurance is a useful tool for owners with two or more pets, combining convenience with potential discounts of up to 15%. For households with younger, healthier pets, it can offer real savings and simplify management.
However, multi-pet policies aren’t always the cheapest option. If you own pets of different ages or breeds, it’s worth comparing standalone policies as well. Reviewing your options regularly — and checking both premiums and exclusions — will help you decide whether multi-pet insurance truly offers the best deal for your family in 2025.
