A Quick Guide

When you have multiple dogs or cats, you may have thought about getting them insured with the same insurance provider.

However, pet insurance, as it stands, is a bit complicated, and for many people, the idea of insuring their dog or their cat (or their dog and their cat) with the same provider under the same claim just causes a bit of head scratching. How can you insure two different animal breeds under the same claim?

It is a bit puzzling, but this guide is here to help, because here, applying for a multiple pet insurance policy is explained – which will hopefully answer any questions that you may have. So, enjoy!

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Choosing A Policy

Firstly, you will need to find an insurance company that can offer multi pet insurance. In simple terms, this is like multi-dog or multi-cat insurance but can allow you to ensure members of both species are under the same policy.

Be sure to read all of the fine print when choosing a multiple-pet policy, and if you have any concerns, always be sure to ask questions when engaging with the insurance provider. It’s worth noting that many multiple-pet policies have a maximum limit on how many pets can be insured, so be sure to find one that fits your needs.

Vet Checks

Next, all of the pets that you want to ensure under your multiple-pet policy will need to attend a vet visit. You will also need to provide the insurance company with information about each of your pets, including their age, breed, and their medical history.

If your pet’s vaccinations are not up to date, then you run the risk of having your pet insurance declined, so make sure that all of their health cheques are up to date and be sure to provide the insurance company with any information about any medications that your pets may be on or may have taken in the last 12 months.


Understandably, when it comes to ensuring multiple pets (as is the way with individual pet insurance), there will likely be a waiting period before your insurance is effective. This may be longer due to the number of pets that are on the policy.

If you have specific requirements for your pet insurance, it may be the case that you can start each of your pet’s insurance on a different date. For clarity, however, many pet owners prefer to have all of their claims started on the same date.


Many individual pet insurance policies have a deductible level of around $90-$100, and when it comes to multiple pet insurance policies, this tends to be the same for every individual pet on the policy.

As is the same way with individual pet insurance policies, in order to claim back, you will have to submit a claim, and each pet will have the expenses considered separately.

Monthly Premiums

As you are going to be insuring multiple pets, you have to expect that your monthly premiums for a multiple-pet insurance policy are likely to be higher. It will also likely be lower than combined premiums for individual policies but remember that the premium you will need to pay will depend on the number of pets, their health, their age, and in some cases, their breed.