Pet insurance for multiple pets
What is multi-pet insurance?
Multi-pet insurance is an excellent choice for those looking to cover more than one pet and have the convenience of managing all their policies in one place. Whether you're looking for multi-cat insurance or multi-dog insurance, our policies offer flexibility and simplicity for households with multiple pets.
How does multi-pet insurance work?
Multi-pet insurance allows you to manage all your pet insurance policies in one place. So, if you welcome a new cat or dog into your family, then you can add them to your PDSA Pet Insurance without any complication.
Like any single policy, you will need to renew each new policy every year for your cover to continue. You can either pay for a year’s premium upfront or pay monthly by direct debit to spread the cost.
What are the benefits of multi-pet insurance?
There are many benefits to cover your pets with PDSA Multi-pet Insurance, which include:
- Having all your pet insurance policies in one place so you can easily manage all your policies. With PDSA Pet Insurance, you’ll be able to manage your policies through the PDSA Insure Hub. You’ll be able to check the status of all your policies from claims to the remaining cover amounts in one place.
- Choosing different levels of cover for your pets. That means you won’t have to stick to the same cover and can customise it specifically for your pet’s needs.
- Claiming for vet fees directly through the PDSA Insure Hub, making it easier for you to claim. Plus, 97% of claims will be paid in 5 working days*.
- Using your multi-pet insurance policy at any vet practice. This means that you can continue to use your usual vet and don’t have to worry about changing your pet’s vet practice.
What’s covered by PDSA Multi-pet Insurance?
PDSA Multi-pet Insurance covers a wide range of veterinary fees including:
- MRI costs
- CT costs
- Physiotherapy
- Complementary therapy
- Dental crows, root canals and fillings
- Overseas veterinary treatment
Your multi-pet insurance can also cover:
- Third-party liability
- Death from illness, accident or injury
- Theft or straying
- Holiday travel cover
What to consider when buying multi-pet insurance
Before taking out multi-pet insurance, there are few things you need to consider, such as:
- Pre-existing illnesses or injuries may not be covered: Most multi-pet insurance policies don’t cover pre-existing conditions. To make sure that your pets are covered, take out pet insurance as soon as possible to ensure you're protected should they become unwell.
- There may be a waiting period: For accidental injury or poisoning, you will not be covered for the first three days of your policy. For illnesses, you will not be covered for the first 14 days of your policy. Switching to PDSA Pet Insurance? If you can prove your previous cover runs up to the policy start date, we can waive this for you.
- Vaccinating your pets: If you pet falls ill with an illness that could have been prevented through a vaccine, your pet’s treatment may not be covered. Make sure they’re up to date with their vaccines.
- Routine and preventive treatment are often not covered: Treatments such as vaccinations, spaying, castration, flea, worm and tick treatments, grooming and teeth maintenance may not be covered in your multi-pet insurance.
- Be mindful of your excess: If you make a claim, you will have to pay an excess, usually for every claim you make.
- There are age limits to policies: New multi-pet insurance policies have age limits. For most new policies, cats can be insured up to their tenth birthday, while dogs can be insured up to their eighth birthday. If you’re insured before your pets reach these ages, then your multi-pet insurance will continue to cover your pets as they get older.
- Excluded breeds: Certain breeds of dogs and cats will not be eligible for most standard pet insurance policies. For example, breeds listed under the Dangerous Dog act 1991 will require a special kind of pet insurance policy.
Be upfront and honest about your situation before taking out multi-pet insurance to ensure you’re covered.
Multi-pet Insurance Costs
Many factors affect the cost of multi-pet insurance. For example, your pets’ breed, age, as well as the type and level of insurance policy you choose. To discover the most accurate cover for both your pets’ needs and your budget, get a personalised multi-pet insurance quote here.
Ready to buy multi-pet insurance?
PDSA Multi-pet Insurance makes protecting your furry family simple, flexible, and reliable, while allowing you to manage all your policies and claims in one central hub.
It offers the flexibility to customise cover levels for each individual pet and allows you remain registered with your preferred vet. From advanced diagnostics, like MRI scans and dental work, to third-party liability and travel cover, you get comprehensive protection tailored to your needs.
Protect your whole furry family – get a PDSA Multi-pet Insurance quote
Purchase a multi-pet insurance policy and contribute to our life-saving charity work.
Meet Ziggy
Ten-year-old Ziggy, the Shih Tzu, needed emergency surgery at his local PDSA Pet Hospital after his left eye ruptured, causing him great pain. With the life-saving care provided by PDSA vets and nurses, Ziggy made a full recovery and went home to his family.
Meet Mittens
The second Mittens, a one-year-old cat, returned home limping and unable to walk on her left back leg, her owner, Helen, rushed her to their local PDSA Pet Hospital. Thanks to the care from the vet team, Mittens is back on all four paws and home with her loving owner.
Frequently asked questions about multi-pet insurance
- What is the purpose of multi-pet insurance?
- How does multi-pet insurance work?
- What are the benefits of multi-pet insurance?
- What does multi-pet insurance cover?
- What doesn’t PDSA Multi-pet Insurance cover?
- Can I have both cats and dogs on the same multi-pet policy?
- Can I add an additional pet to my existing policy at any time?
- How can I have one renewal date if I have added an additional pet mid-term?
- Can I have different cover levels for each pet on my policy?
- Will claiming impact on renewal premiums for all my pets?
- Are there any differences between your multi-pet policies and single pet policies?
- Does PDSA Multi-pet Insurance cover me in a PDSA Pet Hospital?
Our charity Pet Hospitals see nearly 800 cases a month that require emergency surgery, so it's not uncommon for our beloved pets to become sick or injured. PDSA Multi-pet Insurance can provide peace of mind if anything happens to your pet.
It is your responsibility to cover the cost of healthcare for your pets. When welcoming a pet into your life, you need to make sure you can afford the cost of any treatments they might need during their lifetime. Multi-pet insurance can support you should you need to pay for vet bills.
Ready to get cover in case your four-legged friends becomes ill or injured? Get a PDSA Multi-pet Insurance quote.
Multi-pet insurance works the exact same as a solo cat or dog insurance policy. PDSA Multi-pet Insurance makes sure that all your cats and dogs are covered and have the specific cover that they each require.
For example, you can have your one-year-old puppy covered as well as your seven-year-old cat. Both will have different requirements and levels of coverage, but you can customise what you need with PDSA Multi-pet Insurance.
Multi-pet insurance keeps all your pet policies in one place so you can easily manage them, including checking your claim’s status and remaining cover amounts. With PDSA Multi-pet Insurance, you’ll be able to see all your pets’ cover through the PDSA Insure Hub.
PDSA Multi-pet Insurance provides a range of useful benefits, giving you peace of mind that your pets are covered in the event of an emergency, including:
- Veterinary fees
- MRI costs
- CT scan costs
- Complementary therapy
- Physiotherapy
- Overseas veterinary treatment
- Dental crowns, root canals and fillings
- Third-party liability**
- Death from illness, accident or injury
- Theft or straying
- Holiday travel cover
- Your hospitalisation and boarding fees (Lifetime cover only)
For more information on our policies and their benefits, take a look at our policy page.
Multi-pet insurance can provide reassurance for those unexpected trips to the vet, but there are a few routine treatments that insurance doesn't cover. This includes:
Pet insurance also does not cover pre-exiting conditions. A pre-existing condition would be a condition, symptom, illness or injury your pet is suffering or has suffered from before you take out a policy. Any conversations that you’ve had about your pet’s health or behaviour with a vet or other professionals would also be taken into consideration and would be considered as a pre-existing condition, even if your pet did not receive treatment at the time.
Remember to keep preventative treatments (like vaccinating and de-worming dogs) up-to-date as this will help protect your furry friends against lots of nasties. If you're worried about cost, speak to your vet – they may offer a monthly plan to cover these treatments and your pets’ annual health checks.
Yes, you can have any combination of cats and dogs.
You can link a new policy to an existing policy at any time. Simply click here to get a multi-pet quote or call our friendly team on 0344 543 1129
You will be able to have one renewal date if your policies were taken out at the same time. Otherwise your renewal date will be 12 months after your cover start date.
Yes, you can choose the cover level that’s right for your needs for every pet you insure with PDSA Pet Insurance
No, each policy has its own cover level and premium and are managed separately. The benefit of a multi-pet policy is that everything’s in one place and easier for you to keep track of.
Our multi-pet policies have the same great cover and benefits as our single pet policies; we’ve just made it even easier for you to see everything you need to keep your four-legged friends covered.
With PDSA Pet Insurance you’ll need to continue to use your own registered vet as usual. Every PDSA Pet Insurance policy sold does, however contribute to our life-saving charity work and helps us to treat poorly pets in need.
Thinking about insuring just one dog or cat?
If you’d prefer to insure just one pet, we offer dedicated pet insurance for your cat or dog.
Insuring your dog
Protect your dog or puppy with a woof guide to PDSA Dog Insurance.
Insuring your cat
Cover your cat's nine lives with PDSA Cat Insurance.
*Based on PDSA Pet Insurance claims data from February 2024 to March 2025
** Third party liability cover is not available for Akitas, Japanese Akitas, Neapolitan Mastiffs, Cirneco Dell Etna, Dogue de Bordeaux, Korean Jindo, Mexican Hairless (Standard), Mexican Hairless (Intermediate), Mexican Hairless (Minature), Northern Inuit, Portuguese Podengo, Segugios Italiano, Shar Pei, Utonagan, and crossbreeds of these dogs
PDSA Trading Limited is an introducer appointed representative of Pinnacle Insurance ltd which is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH. PDSA Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance ltd. PDSA Trading Limited and Pinnacle Insurance ltd are not part of the same corporate group.