Our guide to PDSA Multi-pet Insurance

by PDSA | 23 April #Lifestyle

PDSA Multi-pet Insurance offers households with more than one pet the option to keep cover under one roof, helping you manage your policies in one place. There are benefits to insuring all your pets with one policy, but how does it work? Read our guide to find out if multi-pet insurance is for you.

How does PDSA Multi-pet Insurance work?

PDSA Multi-pet Insurance allows you to take out one pet insurance policy and add multiple cats and/or dogs, which keep all your pets’ insurance under one roof.

Like a regular policy, it needs renewing 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 having PDSA Multi-pet Insurance?

The main benefit of multi-pet insurance is having all your pet insurance policies under one place so that you can clearly and with minimal time and effort manage your pet insurance policies together and understand the cover you have remaining on each pet.

You can choose different cover levels for each of your pets and add new pets at any time – so you have the right amount of cover you need.

There are many benefits of PDSA Insurance, such as:

  • You can easily manage all your policies in one place, through the PDSA Insure Hub.
  • You can check the status of all your policies, from claims to remaining cover amounts.
  • Claim for vet fees direct through the PDSA Insure Hub.
  • 98% of claims paid in 5 working days*.
  • Your policy can be used at any vets so you can continue to use your own registered vet as usual.

What’s covered by PDSA Multi-pet Insurance?

PDSA Multi-pet Insurance covers:

  • Veterinary fees, such as:
    • 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)

What you need to know about Multi-Pet Insurance?

Here are some need-to-knows about pet insurance:

  • There is a waiting period – Typically your pet is not covered for illness or injury for a set period after the start date of your policy.

  • Pre-existing illnesses or injuries may not be covered – Most pet insurance policies do not cover any pre-existing illnesses or injuries, so it's important to take out pet insurance as soon as possible, to ensure you are covered.

  • Vaccinations should be kept up to date – If your pet falls ill with an illness that could have been preventable through a vaccination, the cost of your pet's treatment may not be covered.

  • You might need to pay an excess – You pay an excess in addition to your annual premium if you make a claim, usually for each condition or illness you claim for. They may be fixed (you pay a fixed amount regardless of the claim amount) and some policies include co-insurance, which is an additional excess on top (usually a percentage of the claim amount).

  • Your pet’s age will determine if you can insure them – There are age limits to new policies. Some companies will not insure your pet until they reach a certain age, generally this is at 8 weeks old. For most new policies, cats can be insured up to their 10th birthday, whilst it’s up to their 8th birthday for most dog breeds. However, if you’ve insured your pet before the age limit and there isn’t a break in cover, your provider will continue to insure your pet as they get older.

  • Routine and preventive treatment might not be covered – Your insurance may not cover any costs for the following treatments: Vaccinations, spaying, castration, flea, worm and tick treatments, grooming, claw clipping and teeth maintenance.

  • Pregnancy and giving birth might not be covered – Anything to do with pregnancy, breeding, giving birth and treatment of any offspring is usually not covered. Most pet insurance policies will not cover treatment related to pregnancy, giving birth or breeding and complications caused by these.

  • Excluded breeds – Some companies will not insure certain breeds or crosses of these breeds. This includes, but is not limited to, those breeds that are included under the Dangerous Dogs act 1991.


For more information on our policies and their benefits, take a look at our policy page.

*Based on Pinnacle Insurance Plc claims data from July 2022 to June 2023

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