Pet Medical Insurance FAQs

Pet Care Medical Insurance

• Does cover under my pet care insurance have a time limit?
• My pet's not a recognised breed will you insure him?
• Do you stop offering cover as my pet gets older?
• My pet has had medical problems in the past - will you still be able to offer cover?
• Are there any dogs you won't cover?
• Will all my vet's bills be covered?
• Will there be any delays if I have to claim for treatment by a vet?
• If I claim, will that affect my insurance?
• What amount will I have to pay as an excess?
• What if I change my mind?
• How do I make a claim using the online claim form?

Does cover under my pet care insurance have a time limit?

No. Unlike some policies, which limit treatment to within 12 months, MORE TH>N pet insurance will continue to support your claim for as long as the treatment takes, up to £7,000 whilst you remain insured with us.

back to top

Will my pet medical insurance help if my cat or dog is lost?

Yes. MORE TH>N pet medical insurance offers up to £600 towards the cost of trying to find your pet including costs for advertising and rewards. Should the worse happen and your pet is never found, our pet medical insurance provides up to £600 towards the purchase price of your pet.

back to top

My pet's not a recognised breed will you insure him?

Yes, our insurance is designed to cover ALL types of cats and dogs. That's because your cross-breed is just as likely to cause an accident as a pedigree, any type of pet can stray or go missing and of course, vet's bills don't take pedigree into account. What's more, the policy also covers the purchase price of your pet - whether they were bought from a pedigree breeder or a rescue centre.

Any further queries? Call us on freephone 0800 300 939 (please quote reference PETNET).

back to top

Do you stop offering cover as my pet gets older?

No, and we don't refuse cover for senior pets either. Once your pet's policy has been issued, they can be covered for life. The only benefit that stops is when your pet is 9 years old, we won't give you back the purchase price if they die or have to be put to sleep through illness or natural causes. All other benefits continue.

Any further queries? Call us on freephone 0800 300 939 (please quote reference PETNET).

back to top

My pet has had medical problems in the past – will you still be able to offer cover?

As with all pet insurance, if your pet currently suffers from a medical condition, or has had one in the past, your policy will not cover this condition in the future, nor any condition which your Vet advises is related.

If you have any concerns about whether your pet is likely to be accepted, call us on freephone 0800 300 939 (please quote reference PETNET).

back to top

Are there any dogs you won't cover?

Unfortunately, we can't offer cover for the following kinds of dogs (or cross-breeds):

• Racing greyhounds
• Any dogs used for trade or business such as security guard dogs
• American Bull Dogs
• American Pit Bull Terriers
• American Staffordshire Bull Terriers
• Argentine Dogos
• Canary Dogs
• Cane Corsos
• Czechoslovakian Wolfdogs
• Dogo Argentinos
• Dogue Brasileros
• Fila Braxilieros
• Irish Staffordshire Bull Terriers
• Japanese Tosas
• Northern Inuit Dogs
• Perro De Pressa Canarios
• Pit Bull Terriers
• Presa Canarios
• Sarlooswolfhounds
• Tosa Inus
• Utonagans
• Wolf Hybrids

Any further queries? Call us on freephone 0800 300 939 (please quote reference PETNET).

back to top

Will all my vet's bills be covered?

No. Pet Insurance is there for the unexpected, so it's important to be aware that routine costs - for vaccinations, boosters, worming treatment, nail-clipping and so on - won't be covered. Your pet will be covered for new medical problems but not for anything that first arose before you took out the policy.

You'll find full details of what's covered and what's not covered in the policy wording.

Any further queries? Call us on freephone 0800 300 939 (please quote reference PETNET).

back to top

Will there be any delays if I have to claim for treatment by a vet?

No, you can look forward to prompt and fuss-free claims service from us. If you'd like a claims form, you can contact us by freepost, telephone or email. We'll post the claim form immediately and this should be filled out by your vet. As long as we've got all the details we need, most claims are processed on the day the form is received.

If you have any problems or queries, our staff are knowledgeable and helpful. You may also find it useful to download the policy wording.

Any further queries? Call us on freephone 0800 300 939 (please quote reference PETNET).

back to top

If I claim, will that affect my insurance?

Generally, no. Many insurance companies add exclusions when you renew your policy but we won't add extra ones after you've made a claim. In fact, once we've accepted liability for an illness or injury you can carry on claiming up to the maximum amount of benefit for that illness or injury - however long that takes, so long as you remain insured with us.

Special conditions are only added if you claim the maximum amount of benefit for a particular condition. You'll find more detailed information in the policy wording.

Any further queries? Call us on freephone 0800 300 939 (please quote reference PETNET).

back to top

What amount will I have to pay as an excess?

For veterinary treatment claims you pay an amount towards the cost of treating each illness or injury each year. The amounts are as follows and apply at the time of treatment:

Dogs under 9 years old £70
Dogs 9 years old and over £70 + 20% of the rest of the cost of treatment.

Cats under 9 years old £50
Cats 9 years old and over £50 + 20% of the rest of the cost of treatment.

The 20% of the rest of the cost of treatment applies to the amount left of the treatment costs after the £70 for dogs or £50 for cats has been deducted.

For third party liability claims (for dogs only), you pay £200 towards the cost of any claim for damage to property.

Any further queries? Call us on freephone 0800 300 939 (please quote reference PETNET).

back to top

What if I change my mind?

You're free to cancel your insurance within 14 days of receiving your policy documentation and we’ll refund all your premium, unless you’ve already made a claim.

Any further queries? Call us on freephone 0800 300 939 (please quote reference PETNET).

back to top

How do I make a claim using the online claim form?

Just download the claim form from our Make A Claim section and print it out. You'll find simple instructions for each section that needs to be filled out. We've also made clear who should complete each section - you or your Vet - for each type of claim.

Once the form is complete, return it to the FREEPOST address shown on the claim form. Please remember to quote the Certificate Number that is printed on your Schedule.

You can also write in to us for a Claim Form or a Third Party Claim Form at MORE TH>N, Freepost SCE 8009, Ceefa Deefa House, 35 Friday Street, Henley-on-Thames, Oxon, RG9 1ZW. Alternatively, just call us for a form on 0800 300 889.

back to top