Time limits and vet fee limits for treatment for Pet Insurance

Different pet policies have different time and vet fees limits. 

Accident Only

Treatment can continue until the vet fees limit is reached, or after 12 months has passed from the date the accident was first treated, whichever is sooner, as long as the policy remains in force. You will then not be able to claim for any further vet fees for that accident. 


The time limit is 12 months for treatment for each new medical condition, up to a set vet fees limit.  Each medical condition is covered for 12 months as long as your policy remains in force.  If the vet fee limit or 12 month period is reached, payments will stop for that condition and it will be excluded from future claims. 


Classic policies are not limited to 12 months of treatment. The vet fees limit is up to either £4,000 or £8,000 for each new medical condition, depending on which policy you choose. Each condition is covered until the vet fees limit has been reached, as long as your policy remains in force there is no time limit on a claim. Once the vet fee limit has been reached, payments will stop for that condition and it will be excluded from future claims. 


Premier lifetime policies give you up to either £4,000 or £12,000 of cover, per year, for vet treatment for your pet. The vet fees limit will be reinstated each year, providing cover is made available to you and you renew. 

Further information

Find out more about what we cover.

You can also get in touch using one of the options below.




Please call us on 0330 100 7823.

Please note that charges may apply if you call from your mobile phone. Calls may be recorded and monitored.

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  • Saturday, 9am to 5pm
  • Sunday, 9am to 4pm.
Email & Post>


For general enquiries please Email pet@morethan.com

For claims please Email morethan.petclaims@uk.rsagroup.com

Include as much as detail as possible, including your policy number, name and personal contact information.  For security reasons please don't send us payment details by Email.

We’ll respond to your Email within 24 hours, Monday to Friday.


You can also write to us at:

MORE TH>N Pet Insurance
PO BOX 15769
B2 2RA

Quote reference: PETNET.

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