Multi-Pet Insurance

Prialys Assurance > Insurance for Individuals > Pet Insurance > Multi-Pet Insurance

Multi-pet insurance — There is no single policy covering every animal in a household : each animal has its own contract. Grouping them with the same insurer does simplify matters a great deal — one point of contact, one renewal date, one online account. A commercial discount from the second animal can sometimes be obtained, but no insurer publishes it : it has to be asked for and negotiated. Prialys, an independent broker, brings your policies together and negotiates the best terms available for your situation.

Freedom of choice: Prialys, independent broker, freely compares market offers for your pet.
Savings: benefit from negotiated rates through our broker status and privileged partnerships.
Custom coverage: a level of cover matched to each animal, according to its age and state of health.
Support: a dedicated contact for subscription, management and claims.

Multi-Pet Insurance coverage options

Criterion	What the market offers
Principle	One policy per animal. No insurer offers a single contract for a whole household
Multi-pet discount	Not published by insurers. To be asked for, negotiated case by case and priced at quotation
Species that can be combined	Dogs and cats with every insurer. Exotic pets only with those offering a NAC range: rabbit, ferret, parrot, chinchilla, guinea pig
Reimbursement rate	From 60 % to 100 % for dogs and cats, up to 85 % for exotic pets, chosen per animal
Annual limit	From 1 000 € to 4 000 € per dog or cat, 400 € or 800 € per exotic pet
Annual excess	From 0 € to 75 € per animal, depending on the plan
Prevention allowance	A separate allowance per policy, from 30 € to 200 € per year for dogs and cats
Combined administration	Common renewal date, single online account, one dedicated contact

Identical plans for everyone are usually a mistake. An older animal, or one of a breed with known predispositions, justifies a higher level of cover, while a young healthy animal can sit on an entry-level plan. Any discount is negotiated independently of the level of cover chosen.

Ranges recorded in August 2026 across several French pet insurers. The existence and amount of any discount, like the cover values themselves, vary by insurer and are not a contractual commitment : only the general terms and conditions of the policy apply.

How does multi-pet insurance work?

1. Inventory – Species, breeds and ages

2. Quote – One plan per animal

3. Negotiation – Household terms

4. Subscription – Electronic signature

5. Administration – A single point of contact

Inventory of your animals: species, breed, age and history of each one.
Offers compared: we approach several insurers and price any discount they will agree to.
Plan choice: a distinct level of cover for each animal, according to its profile.
Subscription and administration: electronic signature, aligned renewal dates and one dedicated contact.

Why choose Prialys, your independent broker?

Prialys is an independent insurance broker. We are not tied to any insurer: we freely compare market offers to provide the best multi-pet insurance coverage at the best price. Our team supports you over the long term, from quote to claim management.

Which pets and what coverage?

All pet health coverages combined, discount from the 2nd pet (up to -15%), unified client portal, single payment schedule, dedicated advisor, modular annual limits per pet.

How to subscribe?

Multi-pet quote. Species selection. Group subscription. Unified client portal. Express reimbursement.

Questions? Call us today!

09 52 92 25 30

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Need detailed information on our pet insurance solutions ? The Prialys team, an independent broker, is available to bring your policies together and to price any discount that can be obtained.

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What documents to subscribe to your multi-pet insurance?

Proof of identity and contact details of the policyholder.
List of your animals with species, breed, date of birth and identification number.
Health records and vaccination records for each animal.
Current policy schedules, so that duplicated cover can be identified.
Claims history statements from your previous insurers, if applicable.

Frequently asked questions about multi-pet insurance

What is covered
What you pay yourself

Item	Details
Accident and illness	Consultations, surgery, hospitalisation, medication, imaging and tests, animal by animal.
Prevention	A separate allowance on each policy, from 30 € to 200 € per year for dogs and cats.
Multi-pet discount	Not guaranteed: to be negotiated where several animals are insured with the same company.
Combined administration	Common renewal date, single online account, one dedicated contact.
Civil liability	Damage caused by your animals to a third party, through your home policy rather than the health policy.

Item	Details
One excess per animal	From 0 € to 75 € a year on each policy: the excesses are not pooled.
One limit per animal	The annual limits are individual and cannot be transferred from one animal to another.
Species not covered	Reptiles, hamsters, rats, mice, gerbils and degus cannot be added: no policy exists for them.
Pre-existing conditions	Excluded on each policy independently, animal by animal.
Waiting periods	They start again for every new animal added to the household.
Age at subscription	Assessed individually: an animal beyond the limit for its species cannot be added.

Documents for your multi-pet insurance

Is there a genuine multi-pet policy?

No. No French insurer offers a single contract covering every animal in a household. The principle remains one policy per animal. What can be pooled is the pricing and the administration, not the contract itself.

Is a discount applied from the second animal?

No insurer advertises one on its website. It is a commercial gesture that has to be asked for and negotiated, and it is not automatic. We price it at quotation across several companies, because the largest discount does not always produce the lowest total cost.

Can dogs, cats and exotic pets be combined?

It depends on the insurer. All of them cover dogs and cats ; only some also offer an exotic pet range, limited to the rabbit, the ferret, the parrot, the chinchilla and the guinea pig. Combining them is only possible within one company.

Should all the plans be identical?

No, and doing so is often a mistake. An older animal or one of a predisposed breed warrants a higher level of cover, while a young healthy animal can sit on an entry-level plan.

What happens when a new animal arrives?

A new policy is issued for that animal, with its own waiting periods, and the renewal date can usually be aligned with the others. The subscription age limits apply to it individually.

Are reptiles included?

No. Reptiles are not covered by any French veterinary fee policy, so they cannot be added to a household arrangement. Only liability, theft and equipment cover through your home policy applies to them.

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Talk to our broker

Adresse email : contact@prialys.fr

Téléphone : 09 52 92 25 30

Address: Miniparc 3 478, Rue de la Découverte CES 67624, 31670 Labège

FAQ – Multi-Pet Insurance

Which plans when you have several pets?

Each animal keeps its own policy and its own level of cover, from 60 % to 100 % reimbursement for dogs and cats. Matching the level to each animal’s age and health is what controls the total cost : putting everyone on the same plan usually means over-insuring one animal and under-insuring another.

Why group your policies?

Beyond any discount, grouping avoids duplicated cover, aligns the renewal dates and gives you one person to call when something goes wrong. It is also a good moment to check that the personal liability section of your home policy extends to all of your animals.

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