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?

Not if you take out MORE TH>N Pet Insurance. Unlike some policies, which limit treatment time to within 12 months, MORE TH>N Pet Insurance will continue to support your claim for as long as the treatment takes, up to £7000, whilst you remain insured with us. If you choose our Pet Saver cover then cover is limited to 12 months to reflect the cheaper price.

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

Yes. MORE TH>N Pet Insurance offers up to £600 (£500 on Pet Saver) 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 (£500 on Pet Saver) towards the purchase price of your pet.

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

Yes, our insurance is designed to cover most 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).

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Do you stop offering cover as my pet gets older?

No, and we don't refuse cover for senior pets either. Once your pet care 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).

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

As with all pet care 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).

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Are there any dogs you won't cover?

If your breed of dog is not listed then we cannot offer cover.

We do not cover any of the following breeds or cross-breeds:
The 'types' of dogs prohibited under the Dangerous Dogs Act 1991;

• Pit Bull Terrier
• Japanese Tosa
• Dogo Argentino
• Fila Braziliero


We do not cover:

• American bulldog
• Wolf or wolf hybrid
• Fighting dogs such as the Cane Corso
• Guard or security dogs
• Dogs used for racing
• Dogs used in connection with any profession, occupation or business
• Dogs used for breeding

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

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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).

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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).

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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).

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What amount will I have to pay as an excess?

For veterinary treatment claims you pay an amount towards the cost of any veterinary treatment your pet receives in each Policy Year for each separate illness, injury or clinical sign. The amount you pay is as follows:

MORE TH>N Pet Insurance

Age of the dog or cat at the time of veterinary treatment

Dogs under 9 years old £70 + 10% of the rest of the cost of veterinary treatment
Dogs 9 years old and over £70 + 20% of the rest of the cost of veterinary treatment.

Cats under 9 years old £50 + 10% of the rest of the cost of veterinary treatment
Cats 9 years old and over £50 + 20% of the rest of the cost of veterinary treatment.

The rest of the cost of veterinary treatment means the amount left from the amount covered by this insurance after the £70 for dogs or £50 for cats is deducted.

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

Changes in excess
We have the right to change the excess.
If we change the excess the new excess amount will apply to any claim for the cost of any treatment your pet receives, which includes any claim for the cost of any treatment for any illness or injury that was insured in a previous Policy Year.
Any change in excess will apply from the renewal date of your Policy and will be shown on your Policy Schedule.

MORE TH>N Pet Saver

Age of the dog or cat at the start of the 12 month period

Dogs under 9 years old £90 + 10% of the rest of the cost of veterinary treatment
Dogs 9 years old and over £90 + 20% of the rest of the cost of veterinary treatment.

Cats under 9 years old £75 + 10% of the rest of the cost of veterinary treatment
Cats 9 years old and over £75 + 20% of the rest of the cost of veterinary treatment.

The rest of the cost of veterinary treatment means the amount left from the amount covered by this insurance after the £90 for dogs or £75 for cats is deducted.

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

Changes in excess
We have the right to change the excess
Any change in excess will apply from the renewal date of your Policy and will be shown on your Policy Schedule.

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

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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).

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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.

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