Owning more than one pet can quickly double your insurance costs. Multi-pet insurance simplifies things by covering all your animals under one policy, often with a discount on each additional pet. According to MoneyHelper, it can be more convenient than managing several separate plans, but you should still compare the fine print carefully.
This guide reviews how multi-pet insurance works in the UK, which providers offer genuine discounts in 2025, and what limits or exclusions to watch out for.
How Multi-Pet Insurance Works
A multi-pet policy lets you insure two or more pets with one insurer.
Key features usually include:
- Single renewal date: Easier to track payments and renewals.
- Discount per pet: Typically 5–10 % off each additional animal.
- Shared or separate vet-fee limits: Some insurers give each pet its own limit; others share one pot across all pets.
Before buying, confirm whether claims for one pet affect others on the same policy.
Typical Discounts and Limits
| Number of Pets | Typical Discount | Shared Limit? | Average Annual Saving |
|---|---|---|---|
| 2 pets | 5 % | Rare | £25–£40 |
| 3 pets | 10 % | Sometimes | £60–£80 |
| 4+ pets | Up to 15 % | More likely | £100+ |
Petplan – Separate Limits for Each Pet
Petplan’s multi-pet option provides individual cover limits per pet, so one claim won’t reduce another’s allowance.
- Discount: Up to 10 % for additional pets.
- Cover: Lifetime and Classic policies include full dental and illness cover.
- Why It Stands Out: No shared cap on vet fees.
Full details are on the Petplan website.
Agria Pet Insurance – Lifetime Multi-Pet Plans
Agria offers flexible lifetime cover that can insure multiple cats or dogs under one account.
- Discount: Around 5 % per added pet.
- Limit Type: Individual vet-fee allowance per pet.
- Extra Benefit: 24/7 vet helpline and annual dental cover.
Visit the Agria Pet Insurance site for full terms.
ManyPets – Simplified Multi-Pet Discounts
ManyPets provides one of the easiest multi-pet setups online.
- Discount: 15 % off each additional pet.
- Policy Linkage: All pets managed in one dashboard.
- Cover Options: Accident-Only, Regular, or Complete (includes dental accident cover).
More on their options can be found in our ManyPets Insurance Review UK 2025.
Animal Friends – Multi-Pet for Mixed Animals
Animal Friends allows different species (cats, dogs, rabbits) under one policy.
- Discount: Up to 10 % per extra pet.
- Claim Process: Separate limits per animal; claims handled individually.
- Extra Benefit: Donations to animal charities from every policy sold.
Check full details on the Animal Friends site.
Pros and Cons of Multi-Pet Insurance
Pros
- Easier to manage than multiple policies
- Usually cheaper overall with group discounts
- One renewal date and direct debit
Cons
- Some insurers apply a single vet-fee limit across all pets
- Claims for one pet may influence renewal for all
- Not all providers cover mixed species on one plan
What to Watch Out For
- Shared limits: Avoid if you have older or high-risk pets.
- Pre-existing conditions: Usually excluded for new pets added later.
- Different ages: Some insurers raise premiums sharply if one pet is over eight years old.
For impartial guidance, the Association of British Insurers (ABI) recommends reading multi-pet policy documents closely before switching providers.
Related Reading
- Multi-Pet Insurance UK 2025 – Discounts and Best Deals
- Compare Pet Insurance Brands UK 2025
- Best Value Pet Insurance UK 2025
FAQs – Best Multi-Pet Insurance UK 2025
Which insurer offers the biggest multi-pet discount?
ManyPets currently offers the highest standard discount at 15 % per additional pet, though Petplan and Animal Friends both provide around 10 %.
Can I insure different animals together?
Yes. Animal Friends and Agria allow cats, dogs and smaller pets under one account, though limits remain separate.
Does each pet get its own vet-fee limit?
Usually yes, but some cheaper policies share one pot. Always confirm before purchasing.
Is it cheaper than separate policies?
For most households with two or more pets, a combined policy is 5–15 % cheaper overall, depending on provider and pet ages.
Conclusion
Multi-pet insurance can simplify cover and reduce costs if you own several animals.
Petplan and Agria are best for owners who want separate vet-fee limits per pet, while ManyPets provides the largest upfront discount.
Before choosing, check how claims and limits are handled across pets—saving 10 % isn’t worthwhile if one claim drains the whole pot.
A good multi-pet policy gives convenience without compromising protection.
