Multi-pet Insurance

Affordable cover for multiple pets

Get a 5% discount with Multi-pet Insurance for any combination of dogs & cats*

  • 5% discount for multiple pets
  • Accidents & illnesses
  • Direct vet payments
  • Pay monthly or annually

Policies are arranged and administered by BDML Connect Ltd.
Policies are underwritten by Zenith Insurance Plc. Excesses, exclusions & limitations apply.
* Discount is valid for new business only and may be subject to minimum premiums.
** Illness not covered under Accident Only cover.
*** Subject to availability.

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Are my pets covered?

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What's covered?

Excesses, exclusions & limitations apply – scroll down for more details

Overseas travel*

Bring your pets when you travel


Like a broken paw or scrape


We’re here to help if your pet gets sick

Third-party liability**

If your dog injures someone or damages their property

Vet fees

We can make direct vet payments, subject to availability

Medical treatment

Help your pets recieve the treatment they deserve.

* Not covered under Accident Only cover level.
** Available for dogs only.
Accidents are not covered in first 48 hours. Overseas travel is limited to EU and EEA states listed under the PETS travel scheme. Medicine is only if prescribed for a covered condition and subject to limits and terms.

Before you buy

Key features

Details about our Multi-pet Insurance

Accident & illness cover

Accidents and illnesses can take you by surprise – and when they happen to your pet, they can be even more stressful. Good thing we’re here to help with the majority of accidents and illnesses.


Not covered: pre-existing conditions; preventative and elective treatments; death or illness due to not vaccinating according to British Small Animal Veterinary Association recommendations; claims where medication or treatment has not been recommended by a vet; death from accident or illness in the first 14 days; accidents in first 48 hours.. Illness or death by illness is not covered on Accident Only policies.

Third-party liability cover

You could receive cover up to £1,000,000 if your dog or puppy injures another person or damages their property.


Available for all cover levels for dog policies only. Terms and conditions apply.

Advertising & reward cover

A fence gives way or a door is left open and... your dog or cat is nowhere to be seen. Luckily, we'll cover the cost of advertising their loss in a local newspaper or other approved location, along with the reward you offer for their return.


Not available for Accident Only policies, or within the first 14 days of (or prior to) the start of the policy. Excess applies.

Overseas cover

Planning a trip, but can't bear the thought of leaving your dog or cat behind? Good news: depending on your cover level, you can be covered for up to 364 days of travel with your pet.


Cover lasts up to 30 days on Accident Only, Economy and Standard cover and 364 days on Premier cover. Your destination country must be in the EU or EEA and be a member f the PETS Travel Scheme.


What you'll need to pay for an approved claim. Swipe the table left and right to see all excesses.

 Accident OnlyEconomyStandardPremier
Fixed excess*£75£99£85£85
Variable excess**10%
(10% of the remaining claim value after the fixed excess has been deducted)


*Charged per condition, per year. This means that, during the year of your policy, if two separate conditions are found, (even if they are found under one treatment) two sets of excess will be payable. However, if one condition requires three separate treatments, only one excess will be payable. 

**The variable excess amount is required along with the fixed excess amount upon claim. Applies to dogs 5+ years old, cats 7+ years old and some selected breeds.

Policy Wording    Contact us

Frequently asked questions

If I lose my pet and put an advert in the newspaper, is the ad and the reward I offer covered?
Tap to read answer

Yes – in the event of your pet being lost, we will reimburse you for advertising its loss in a local paper or other approved location, and for a reasonable reward that you offer for your pet’s recovery. You should telephone 0333 234 0613 and obtain approval from us before spending any money or paying any rewards. 



What if my pet is lost?
Tap to read answer

The loss of dogs should be reported to the police within 24 hours of disappearance; for both cats and dogs, telephone us and report the possible loss. If your pet hasn’t been found after 45 days – and you’ve put the appropriate effort into finding it, like taking out advertising and offering rewards – you may be eligible for reimbursement up to a maximum of £250 (Economy cover),  £500 (Standard cover) or £1000 (Premier cover).

Are there age limits for cover?
Tap to read answer

Yes – your pet must be at least 8 weeks old in order to open a policy. There is no maximum age limit for covering pets; however, death by illness is not covered for dogs that are 9 or more years old and cats that are 11 or more years old. 

How to claim

In just 4 steps

  1. Call us on 0844 335 0324* (8am – 6pm Monday to Friday, 9am – 2pm on Saturdays). You will need to send us the claim form, any invoices and a full clinical history within 60 days of your pet receiving treatment, or as soon as possible thereafter. If you do not do this, your claim may not be paid.
  2. If you have settled your bill, simply call us and we'll talk you through the claims process, send you a claim form and advise you as to the documentation you need to send to us along with the completed form.
  3. If your vet elects to claim on your behalf, we will still send the claim form to you first. You will need to fill in certain sections of the form and then take it to your vet, who will fill in the rest and send it on to us with any supporting documentation.
  4. Once we have the completed form and all the required documentation, we will assess and process your claim – if you choose, you can elect to be kept updated on progress via text message or email, or simply wait for your settlement.


More about Multi-pet Insurance

Protect your four-legged family members

No matter what combination of dogs and cats you own, you can keep them all covered with a Multi-Pet Insurance policy from Protect Your Bubble.

Whether your dog gets sick, your cat is injured or they've both come in harm's way,the majority of accidents and illnesses are covered. And when you insure two or more pets on a new policy, you’ll get a 5% discount, subject to minimum premiums.

Choose from four different cover levels that give varying levels of protection for vet fees, boarding and more - from accident-only protection to comprehensive - subject to availability.

You can use any registered vet, and we can pay them directly in the instance of a claim. You can also choose from monthly or annual payment options, whichever works best for you.

Specialist support

We know how stressful it can be if your pet is hurt or sick, so our Multi-pet Insurance team is specially trained to handle pet claims. You can also get support from qualified vet nurses that are available to work with you or talk to your vet about detailed claims.

And, if you need it, you'll get access to pet helplines for real-time assistance when you need it the most.

Getting a Multi-pet Insurance quote only takes a minute – why not start now?

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