Multi pet insurance is designed to help protect animals in your family so they can be covered just in case they become ill or injured. This is health insurance for your pets along with protection for the owner of a pet that is involved in an incident where a third party makes a claim against one of your pets.
Multi pet insurance was created to help organize the care and protection for someone who has more than one pet in their life. The number of pets that can be covered under one policy can be up to 3 with some insurance firms while others allow an unlimited number. With one policy covering all of your pets, it is easier to know what is covered and what can be claimed.
Technically any type of animal that lives in your home can be covered, but the most common types are cats and dogs and for some insurance firms rabbits. For those owners of exotic pets, it is advised that they first check with the insurance firm to see if they qualify for this type of cover.
Exotic pets can include but not limited to large cats like lions and tigers, weasels, ferrets, birds, snakes and fish. Horses can be considered pets, but they have their own classification of insurance and should not be covered under this type of policy.
There are many different areas this type of protection will include to help as a financial supplement so the bills will be paid or a large portion of them.
Most insurance providers of multi pet policies offer three types of cover to choose from.
The discounts provide for those that take out a multi pet insurance policy varies from company to company. The most common is a 10% discount off the premium price when taking out this type of policy where 2 or more pets are covered. The next most common discount is a 5% discount with a few at 15% off and even one at 12.5% off the premium price of a policy.
Another way discounts are applied to a multi pet policy is by providing a discount per pet added to a policy in terms of value instead of a percentage. Here you can find a £1 discount per pet per month along with a flat £12 off the policy per pet annually.
Some insurance firms do offer up to a 30% discount, but it is only applied to the first annual payment. After that point full price is required to keep the policy active.
It is advised to ask about the discount on a policy before taking it out with any insurance firm.
No claims are permitted for the first 10 days for any new policy.
Pre-existing conditions like diabetes, cancer or other illness will not be covered nor will any previous injury be covered for treatment.
No claims permitted that are related to previous treatments from preventative care as with flea or worming treatments or vaccinations.
By taking out a multi pet insurance policy peace of mind for the owner can be found. This type of policy also helps organize all the information on each pet so it can be located quickly in an emergency or panic situation.