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Multi-Pet Insurance

Apply for a multi-pet insurance quote and cover your four-legged family members in minutes.
Provided by Pinnacle Insurance plc.

Got a query about our multiple pet insurance? Just ask us a questionopens in new window

Why choose our multi-pet insurance?

Covering all your cats, dogs and rabbits in one place can mean you can spend a bit less time on the paperwork and a lot more time with your pets. Plus, our online portal makes the admin easy. You’ll also save enough to buy them an extra little treat with our multi-pet discount†.

  • Enjoy a discount of £1 per pet, each month, on a multi pet policy †
    With our multi-pet cover, the more pets you cover, the more you save per month
  • Additional discount for Nectar members *
    If you’re a Nectar member, you can save more money on your insurance
  • Manage your policies online using My Pet Portal
    Take control of your insurance policies at any time of day on our dedicated portal
  • 24/7 access to qualified vet nurses over the phone or via web chat
    We understand some things can’t wait and you need an answer straight away, that’s why with Vet Assistance you can speak to qualified vet nurse at any time

What multi-pet insurance should I get?

With Sainsbury’s Bank multi-pet insurance, you can choose from time limited, maximum benefit or lifetime cover. The type of cover – and the amount you want cover for – will depend on you and your pet’s needs.



The most comprehensive of our insurance policies, lifetime means just that. Depending on the level of cover you choose, your pets will be covered for vet costs of up to £2,500, £5,000, £7,500 or £10,000 per year.

We’ll continue to pay out for issues that may arise, for as long as you’re with us.

Maximum benefit

With maximum benefit, your pets will be covered for illnesses, conditions and accidents up to your policy cover limit, whether that’s £3,000 or £6,000.

You don’t have to worry about reaching a time limit on the maximum benefit, simply renew your policy without a break in the cover.

Time limited

When you purchase time limited pet insurance, each   condition is covered for up to 12 months from the start of treatment or uup to the maximum benefit of £3,000 is reached, whichever comes first.
Beyond this, you’ll need to cover the cost of any further treatments yourself.

Need more information?

Any more questions about Sainsbury’s Bank Pet Insurance? We’re here to help. Check out our FAQ and support page for more.

The multi-pet cover options for your cats, dogs and rabbits

Having a poorly pet can be a worrying time. But we're here to help cover the cost of vet fees. You'll get a range of benefits as standard (eligibility criteria and conditions apply, see full policy documents for details), meaning you can focus on looking after each of your pets.
Benefit Time limited
Covers each condition for up to 12 months or up to max amount below
Maximum benefit
Covers up to the max amount per condition
Covers up to max amount each year
Rabbit Lifetime
Covers up to max amount each year
Treatment period 12 months unlimited unlimited unlimited
Treatment basis per condition per condition per year per year
Veterinary fees
Veterinary helpline
Additional benefits
Holiday cover

Veterinary fees can include:

Benefit Time limited £3,000 Maximum benefit £6,000 Lifetime £10,000 Rabbit lifetime
Dental Cover up to £3,000 up to £6,000 up to £10,000 up to £2,000
Complementary Treatment up to £500 up to £1,500 up to £1,500 up to £750
Physiotherapy up to £500 up to £1,500 up to £1,500 up to £750
Behavioural illnesses
(excludes the cost of any damage to your home)
up to £3,000 up to £6,000 up to £10,000
Overseas veterinary treatment up to £3,000 up to £6,000 up to £10,000

With our lifetime pet insurance for cats and dogs, you get access to £2,500, £5,000, £7,500 or £10,000 towards vet costs each year – depending on the level of cover you choose. We've used lifetime £10,000 cover as an example in the table above.

Our maximum benefit cover for cats and dogs can provide you with £3,000 or £6,000 towards vet costs per condition depending on the level of cover that you choose. We've used £6,000 maximum benefit cover as an example in the table above.

Additional benefits and limits:

Benefit Time limited £3,000 Maximum benefit £6,000 Lifetime £10,000 Rabbit lifetime
Death from accident/injury £1,000 £1,500 up to £2,000
Death from illness £1,000 up to £1,500 up to £2,000
Cremation £200 £200 £200
Advertising & reward (dogs must be microchipped) £1,000 £1,500 up to £2,000 £250
Theft or straying (dogs must be microchipped) £1,000 £1,500 up to £2,000
Emergency boarding kennel fees (if you're ill/injured for over 48hrs) £1,000 £1,500 £1,500 £250
3rd party liability (dogs only) £2 million £2 million £2 million

Holiday travel cover:

Holiday travel cover isn’t included with our lifetime insurance for rabbits.
Benefit Time limited £3,000 Maximum benefit £6,000 Lifetime £10,000
Holiday cancellation £1,000 £1,500 £3,000
Quarantine costs £1,000 £1,500 £1,500
Loss of healthcare cert £250 £250 £250
Emergency expenses abroad £1,000 £1,500 £1,500

Please note that we won't cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

Why buy multi-pet insurance?

A home full of pets doesn’t have to mean a second mortgage to insure them. Working the same way as standard pet insurance, multiple pet insurance can help save you time, effort and money to protect your furry friends.

Some of the benefits of Sainsbury’s Bank multi-pet insurance include:

  • Cost effective
    Rather than paying for your pet insurance individually for each pet, multi-pet insurance could be more cost effective as you get a discount, per pet, per month.
  • More manageable
    With multi-pet insurance, you can manage all your policies together, which can save you a lot of hassle and make it easier to stay on top of your cover.

What does multi-pet insurance cover?

Multiple pet insurance covers a wide variety of different things, helping take the strain out of looking after a brood of pets if they’re unwell.
Sainsbury’s Bank multi-pet insurance can help cover the following:

  • Veterinary fees
    Vet bills apply to  treatment carried out by a vet or a veterinary specialist. This extends to dental cover, physiotherapy, behavioural illnesses and complementary treatments. The type of cover you decide to take out will determine how much your insurance will cover.
  • Veterinary helpline
    Emergencies have a habit of happening when you least expect them, which is why being able to speak to a professional almost instantly can be a huge help. Our Vet Assistance helpline can provide that reassurance and expertise to help you make the right decision when it comes to your pets.
  • Additional benefits
    Outside of trips to the vets, there are some occasions where you might need insurance to help cover the costs of your pets. Our additional benefits can help with things like emergency boarding kennels, theft, and reward posters. Your policy will determine how much money you can claim.
  • Holiday cover
    Petcare that’s needed while you’re on holiday can bring its own worries – the last thing you want while enjoying some time away. Travelling with pets is made worry-free with our multi-pet insurance policies. From quarantine costs or emergency expenses abroad, we’ve got you covered.

What isn’t covered by multi-pet insurance?

The following aren’t covered by multi-pet insurance:

  • Pets other than dogs, cats and rabbits.
  • Pre-existing conditions 
  • Pets under or over certain ages
  • Petcare costs that go above the policy limits
  • We know every pet has its own healthcare needs. That’s why we’re always happy to discuss the solutions that we can offer. Get in touch with us and we’ll help find the right cover for you.

What to consider when buying multi-pet insurance

Looking after so many pets at once can feel like a full-time job.
But at Sainsbury’s Bank, we aim to make this as easy as possible. Here’s what you need to consider before getting a quote:

  • There is a choice of different types of multi-pet insurance
    Do you want lifetime multi-pet insurance or perhaps a time limited multiple pet policy is better for you? Weigh up the costs and the benefits before you decide.
  • We can insure older pets, up to a certain age 
    Older pets are more likely to need healthcare than younger ones, so the age of your pets will likely affect the cost of your insurance policy  . 
  • We do not insure certain breeds
    Unfortunately, some dog breeds are more susceptible to illnesses and congenital conditions than others and you may find that the breed of your pet may not qualify for insurance. Please check our policy documents before getting a quote.
  • Pre-existing medical conditions
    You should always declare any pre-existing medical conditions when insuring your pets. If you don’t, your policy may be considered void, and your claim could be rejected.

Ready to buy multi-pet insurance?

Let’s get the right cover in place. You can compare prices depending on the cover you need and find the best policies for you. Once you’re done, you can relax knowing that no matter which one of your pets needs help, professional treatment is on hand. Get a quote to get started now.

Handy pet guides

We know how much you love your pets. That’s why we’ve put together a series of helpful step-by-step guides to help you with everything from training and microchipping to animal health.

Pet guides

Browse all guides

Find helpful advice for pet owners with our expert guides.

Pet guides

Pet insurance explained

Demystify lifetime vs. time limited when you read our explainer guide.

Pet guides

Pet insurance glossary

Discover the definitive A to Z of pet insurance before getting a quote.

Need to talk to us?

If you can’t find the answers you need on our help and support page opens in new windowor if you’d prefer to speak to someone directly, our team can help.

Frequenty asked questions

Can you insure two dogs together?

Yes, you can insure two dogs together as part of a multi-pet insurance plan. Not only will taking out a multi dog insurance policy save you time and hassle, but you will also benefit from a discount on the second dog and any additional pets you may want to add.

Can I overlap pet insurance?

Having two separate pet insurance policies open at the same time is a perfectly legal thing to do. However, you cannot claim for the same thing from both insurers.
Because of the cost of two policies and the hassle you might encounter when trying to claim, it’s often best to try and keep overlap to a minimum.

Can I insure dogs and cats on the same multi-pet insurance?

Yes, you can. Our multiple pet insurance policies allow you to combine up to six dogs, cats and rabbits on the same policy.

How can I get a multi-pet insurance quote?

We’ve made it simple to get a multi-pet insurance quote with us. If you’re looking for a quote online, simply follow the steps for getting a quote as you would normally. After adding your pets’ details, select Add another pet to provide details for any additional pets.

Can I add an additional pet to an existing multi-pet plan?

Yes, you can add an additional pet to existing Sainsbury’s Bank multi-pet policies online at any time, not just when you renew.
On the review page, in our multi-pet discount section, you should see a link to Add existing pet policy. Follow that link and enter your pet policy number.
If you’re struggling to find your policy number, it should start with PETSB. Once we verify it, you should qualify for our multiple pet discount.

If you have questions about multi-pet insurance, or pet insurance in general, try our FAQ and support page. You’ll find answers to the most commonly asked questions and it's a great place to find helpful advice and support.

Any more questions?

If you have questions about multi-pet insurance, or pet insurance, try our FAQs. You’ll find answers to the most commonly asked questions, such as how do I make a claim, where do I find the right vet and how do I choose the right policy? It’s a great place to start for you and your pets.

Terms and conditions

* The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to

† Multi-pet discount is a minimum of £24 when insuring more than one pet as this is worked out at £1 per pet per month for each pet on a policy. Pets can have different cover levels. Discount deducted separately from any other offer.

Important information
Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514). Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc.
Sainsbury's Bank plc acts as an introducer to Pinnacle Insurance plc who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. Sainsbury’s Bank plc and Pinnacle Insurance plc are not part of the same corporate group.