Multi-Pet Insurance

No matter how well you look after them, the health of your pets cannot be taken for granted.

20% discount online when you buy today!

Get a quote
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Multi-Pet Insurance

No matter how well you look after them, the health of your pets cannot be taken for granted.

20% discount online when you buy today!

Get a quote

Cover for up to ten pets

Get an insurance quote for up to ten pets at a time with Healthy Pets Insurance.

Each pet receives a 20% discount applied automatically to the premium when purchasing a new policy.

We know that each pet is an individual and you may need different levels of cover for each member of your fur-family. Choose the best policy cover for each pet and rest assured that making changes to one policy won't automatically affect any others.

Insuring cats and dogs for over 25 years.

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What's covered in our multi-pet insurance

  • Vet fees for illness and injury up to £7,500 per pet
  • Competitive premium from pet specialists
  • Ongoing cover for eligible new illness
  • Prompt claims payment direct to vet
  • Insure your pets from only five weeks old

For more information on the levels of cover available, see our Policy Benefits table.

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Healthy Pets Insurance covers your pets for vet fees if they are treated for injury or illness including ongoing treatments

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Multi-Pet Insurance FAQs

Our Maximum Benefit policies can pay up to the policy limit (£1,000, £4,250 or £7,500) for each condition, dependent on the cover selected. There is no limit on the number of conditions you can claim for over the policy lifetime. There is also no time limit on claiming for a condition, however cover for a condition will cease once the Maximum Benefit for it has been reached.

Our Lifetime pet insurance policies can pay up to the annual limit (£2,000 or £4,250) in each period of insurance. The Lifetime Extra policy is subject to a maximum limit of £1,000 for each condition in each policy year. The Lifetime Premier policy is subject to a maximum of £3,250 for each condition in each policy year. There is no limit to the number of conditions you can claim for over the policy lifetime.

Our Accident Only policy can pay up to the policy limit (£1,000) per accident over a 12 month period, subject to you renewing your policy with us and premiums being paid up to date. Cover for an accident will cease once the financial limit has been reached or after 12 months from the date of the first treatment, whichever comes first. There is no limit on the number of accidents you can claim for over the policy lifetime.

Our Maximum Benefit policies will cover your pet for its lifetime up to the maximum amount of benefit for each separate condition (£1,000, £4,250 or £7,500), subject to you renewing your policy with us and premiums being paid up to date.

Our Lifetime policies will cover your pet for its lifetime up to the maximum annual limit (£2,000 or £4,250) and the condition limit of £1,000 per condition pet policy year on the Lifetime Extra or £3,250 per condition per policy year on the Lifetime Premier.

Bronze, Silver and Gold Maximum Benefit policies will cover you for eligible ongoing conditions that start after the inception of your policy, up to the maximum benefit of your chosen level (£1,000, £4,250 or £7,500) and subject to you renewing your policy with us and premiums being paid up to date.

Our Lifetime policies will cover you for eligible ongoing conditions that start after the inception of your policy up to the annual condition limit of £1,000 on the Lifetime Extra cover or £3,250 on the Lifetime Premier cover with an annual limit of £2,000 or £4,250 dependent on your chosen level. The limits reinstate when the policy is renewed subject to the premiums being paid up to date. Accident Only Cover provides £1,000 per accident for treatment costs for up to 12 months from the date of the first treatment after your pet is hurt in an accident, subject to you renewing your policy with us and premiums being paid up to date. Please see our Policy Benefits for more details. Do you cover third party liability? Third party liability cover comes as standard for dogs on all our levels of cover. Cover for this section is up to £1 million with an excess of £250.

Third party liability cover comes as standard for dogs on all our levels of cover.  Cover for this section is up to £1 million with an excess of £250.

Healthy Pets plan for the future. We will cover your pet for veterinary fees for its lifetime providing you renew your policy each year! If you've got an older dog, aged 10 or under, or an older cat, aged 12 or under, we can start a policy for you. Once your pet is insured with us, we will continue to insure them, subject to you renewing your policy with us and premiums being paid up to date.

There are times when alternative remedies may be viable options. Healthy Pets covers this within our veterinary treatment benefit when recommended by your vet.  Complementary medicine treatment is usually limited to an inner limit as stated on your policy documents.

A company who make communication simple is likely to make claiming easy too. Healthy Pets is run by animal lovers. You can telephone, e-mail or use our online claim form.

We can either pay the policyholder or your vet direct, providing your vet is agreeable to this. Claims are usually assessed within ten days of receipt of a completed claim form.

  • All pets under the age of five will pay a fixed excess of £99.
  • All pets aged between five and six will pay a fixed excess of £99 + a 15% co-insurance fee.
  • All pets aged six or over will pay a fixed £100 excess + a 20% co-insurance fee.

Co-insurance is commonly used across the pet insurance industry as a way to reduce premiums for aging pets. It is a contribution paid by the policyholder towards the amount claimed that is in addition to the fixed excess.

For all claims, the excess you pay is for each injury or illness in each policy year. If your pet receives treatment for the same injury or illness in separate policy years, we will deduct the fixed excess from the first claim(s) for each in each policy year.

Microchipping is a great way of ensuring you and your pet are reunited should you become separated. Dogs over 8 weeks old must be microchipped as per UK law (applicable from April 2016) and owner details should be kept up to date.  Further details of how and when to microchip your pet are available at your vets.

Liability insurance for dogs

Looking for liability insurance for your dog? We can offer third party liability insurance for your dog on all our levels of cover.

To find out more about liability insurance and cover for your pet, simply visit our quote page, or call us on 01730 268 592.

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