Multi-Pet Insurance

Insurance to suit your pets' needs.

  • Veterinary fees covered throughout the lifetime of your pet and the insurance agreement
  • Add new pets to your existing agreement
  • UK-based support

Call us on 01730 230 564 or get a quote online.

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Why choose multi-pet insurance with Towergate?

Dog

Quote for up to ten pets and purchase your policies today

Each pet will have a separate policy number, for clarity and allowing you to tailor cover to your animals' individual needs.

Money

20% discount for all of our new clients

20% discount for new customers when buying a new multi-pet insurance policy

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Get cover for your pet easily

Simply complete our online form and Healthy Pets will cover your new pet as soon as possible.

Money

Vet bills paid directly

Bills for any eligible veterinary treatment can be paid by Healthy Pets directly, leaving you free to look after your pet at a stressful time.

About multi-pet insurance

Dog

Easily add a second pet to your insurance

If you're expecting an addition to your pet family, adding them to your existing pet insurance agreement couldn't be easier. Simply complete this online form and Healthy Pets will cover your new pet as soon as possible.

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Variety of treatments covered

Bills for any eligible veterinary treatment - including complementary medicine, cruciate ligament treatment, special diets, CT/MRI scans and associated costs, and dentistry as a direct result of an accident or injury - can be paid by Healthy Pets directly, leaving you free to look after your pet at a stressful time.

Theft

Multi-pet insurance to suit your needs

Healthy Pets' multi-pet insurance can provide cover for vet fees; death from injury; advertising and reward; theft or straying, boarding kennel fees; and holiday cancellation. Third-party liability cover is provided for dogs only.

Care

Insurance tailored to each pet

Each pet will have a separate policy number, for clarity and allowing you to tailor cover to your animals' individual needs. Healthy Pets' multi-pet insurance is available in six levels: Accident Only, Bronze, Silver, Gold Premium, Lifetime Extra and Lifetime Premier (details below).

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 01730 230 564 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Multi-pet insurance FAQs

If you already have pet insurance with Healthy Pets and would like to add a pet to your policy, then simply fill in the online Get a Quote form for a new pet.

Healthy Pets will process your request and ensure your new pet is covered as soon as possible. They will be set up with a new and separate policy number, so you can tailor your insurance to suit each pet, and manage and update policies easily.

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.

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.

If an alternative medicine or remedy is recommended by your vet to help treat one of your pets, then Healthy Pets will cover the cost, up to the complementary medicine limit of your chosen cover level.

This depends on the type of pet - dogs must be micro-chipped, but cats do not have to be. Though it’s not a legal requirement for your cat to be chipped, we recommend it help bring your beloved pet back to you should they go missing.

Healthy Pets will cover your pet's veterinary fees throughout its lifetime and that of the agreement.

If one of your pets is known to be aggressive, or has any third-party prosecutions pending, Healthy Pets are unable to offer insurance. Also, Healthy Pets cannot offer cover for any dogs that have been involved in commercial guard, security or racing activities.

Unfortunately, Healthy Pets cannot cover existing conditions for which your pet has received treatment, medication or advice for, or suffered symptoms of, before your policy began. However, any pre-existing conditions will not affect your premium cost.

  • Pets aged less than five-years-old pay a fixed excess: £99.
  • Pets between the age of five and six years pay a fixed excess of £99 as well as a 15% co-insurance fee.
  • Pets aged six years or above pay a fixed excess of £100 excess plus a 20% co-insurance fee.

Co-insurance is a common feature in multi-pet insurance, designed to lower the cost of premiums for aging pets. You pay this as a contribution towards any amount claimed that is above the fixed excess.

For all multi-pet insurance claims, you pay the excess for each illness or injury in each policy year. If one of your pets receives treatment for the same injury or illness in separate policy years, Healthy Pets will deduct the fixed excess from the first claim(s) for each condition in each policy year.

Healthy Pets do not provide pet insurance for any breed that is not listed on the breed selection options when quoting. These include, but are not limited to, Savannah cats, or cats crossed with a Savannah, as well as the below breeds of dog, or dogs crossed with any of these breeds.

 American Bandogge 

 American Bulldog 

 American Pit Bull Terrier 

 American Staffordshire Bull Terrier 

 Argentinean Mastiff 

 Bandogge Mastiff 

 Boerboel 

 Bully Kutta 

 Cane Corsos 

 Cao Fila 

 Czechoslovakian Wolfdog 

 Dogo Argentino 

 Dogue Brasileiro 

 Fila Brasileiro 

 Japanese Tosa 

 Korean Jindo 

 Lybian Desert Dog 

 Laika 

 Old Tyme Bulldog 

 Pit Bull Mastiff 

 Pit Bull Terrier 

 Sarloos Wolfhound 

 Tamaskan 

 Tosa Inus 

 Victorian Bulldog 

 Wolf Hybrid 

Read more FAQs

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