Can You Insure a Dog Twice and Have 2 Policies?

Can You Insure a Dog Twice

Everything seems to be getting more expensive nowadays doesn’t it? And that certainly seems to be the case with vet fees, with the latest research finding that veterinary treatment costs are rising at around 12% each year.

With that in mind, it might be tempting to think that by having two dog insurance policies, you could put yourself in a very good position should the worst happen.

But is it possible to insure your dog twice, so you have the peace of mind in knowing you can pay for whatever vet bills might come your way?

Yes, you can insure your dog twice. But you are only allowed to claim on one policy should you need to recoup or pay for vet fees against accident, illness, theft, loss, or any other related aspect that requires an insurance pay out.  If you claim with two insurers, that’s fraud. 

How dog insurance works when making a claim

For example, if and when you need to make a claim, there will typically be a question on the claim form from the insurer asking if you have any other policies that provide cover. 

If you do have two policies and respond no to this question, you are actually providing fraudulent information to the insurance company. And that could invalidate your current claim and any future ones you may need to make. 

There’s no problem in you having insured your dog twice, as long as you don’t try to claim money for the same thing with both insurance companies.

Is it illegal to have 2 pet insurance policies?

No, not all.

Don’t worry, the police aren’t going to come knocking.

Having two policies is entirely up to you, but it’s not something that we recommend you do.

Doubling up on your dog insurance is not only costly but could cause problems when you come to the time to having to claim.

Why pay for two policies, when you can only claim once?

One claim is all you need to make, so don’t make it more complex by having different policies.

Don’t forget to cancel your existing policy if switching

If you do decide to switch to a dog insurance policy that is more suitable to your pet, then don’t forget to cancel your existing policy.

Just like any insurance, it can be easy to forget one insurance policy you have, or even miss the cancellation or renewal process completely.

We always advice then when you take out a new dog insurance policy that you place a note in your calendar to remind you 30 days before it renews.

That way as the renewal time approaches you are giving yourself plenty of time to review the best dog insurance policy. That could be based on price, customer service, the type of terms you now need, or the health of your dog currently.

By using our recommended partners you can be sure of not just getting a great deal, but also finding the policy that is best suited to you, and more importantly, your four-legged friend.

Did you know? I recently published a comprehensive guide to French Bulldog health issues, all of which should be covered by insurance providing they are not a pre-existing condition.


Save yourself money and please don’t insure your dog twice.

Choose a one comprehensive insurance policy, even if it does cost a bit more than standard insurance cover.

With vet’s fees rising year on year, a typical pet insurance claim can cost on average around £650.

By having adequate cover in place with just one good insurer, you know you should be covered for most, if not all eventualities.

Marc Aaron

I am one of Claude the French Bulldog's human parents. I write about all the things we've learned about owning a Frenchie, the adventures we have, and any advice and tips I've picked up along the way. Read more about Marc Aaron.

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