Everything you need to know about multi-pet insurance

If you own more than one pet, a multi-pet insurance policy might be more cost-effective and easier to manage than taking out separate policies for each pet. It works in the same way as standard pet insurance but it provides cover for two or more pets under the same policy.

What are the benefits of multi-pet insurance?

With multi-pet insurance you’ll have cover for multiple pets under one single policy. This usually means you’ll have the same renewal date for every pet included in your policy. You'll also have the same documents.

John Lewis Multi-Pet Insurance offers the following benefits:


  • Up to £12,000 vet fees each year for each insured pet
  • Choose different cover levels for different pets
  • Add more pets to your policy at any time
  • 24/7 vetfone™ helpline
  • 10% discount on your policy
  • 95% of claims paid within 5 days (Claims data from May 2023 to October 2023)


Multi-pet insurance is often cheaper than separate policies for different pets. If your pets require different levels of cover, your multi-pet policy can be tailored to suit the needs of your individual pets.

Is multi-pet insurance cheaper?

At John Lewis, multi-pet insurance comes with a 10% discount to your policy. This could make it cheaper than having separate insurance policies for your pets. Simplified administration and consistent policy details make covering multiple pets easier to manage, which is reflected in the price.

Is pet insurance cheaper for mixed breeds?

There are many factors that affect how much your pet insurance policy is, and one of those factors is the breed. Pedigree pets are often more expensive to insure as they could be more susceptible to genetic illnesses. But there are some breeds that are less expensive to insure than others.

When you get a quote, we'll ask if any of your pets are pedigree - which means both their parents are the same breed. If you are able to find out, it’s worth checking if any of your pets are a pedigree. This will help you anticipate any future health problems.

Peace of mind

With our Pet Insurance, as long as you renew your policy annually and there's no break in cover, you have the reassurance that you can claim and have access to our round-the-clock veterinary helpline

We want nothing more than for your pet to stay happy and healthy, but if you ever need to make a claim, we are on hand to help.

Not yet covered by John Lewis Pet Insurance?

For peace of mind for your dog or cat, we offer lifetime cover and 24-hour access to the vetfone™ advice service.

With John Lewis, you can insure up to three dogs or cats when taking out a policy online, or up to 10 over the phone. Plus, you get a 10% discount on your policy when you insure multiple pets with us.

Insure your pets today by calling us on 0330 102 2490 or get a quote online.

If you have more than three pets, contact us on 0330 102 2655

More from John Lewis Pet Insurance

John Lewis Pet Insurance only offers lifetime covers. Find out more about what this means.

Pet insurance policies can offer different levels of cover. Discover what to look out for when choosing.

John Lewis Finance and John Lewis Insurance are trading names of John Lewis plc. The John Lewis Registered office address is: 171 Victoria Street, London, SW1E 5NN. Registered in England and Wales no. 233462. John Lewis plc is an appointed representative (Financial Conduct Authority number 416011) of Royal & Sun Alliance Insurance Ltd. John Lewis Pet Insurance is underwritten by Royal & Sun Alliance Insurance Ltd (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).

Copyright © John Lewis Partnership
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