What's the difference between Accident Only, Basic, Classic and Premier cover levels?

We have four levels of pet cover to choose from. Watch our quick video to find out more about the benefits of each.


Premier is our lifetime cover, giving you a choice of up to either £4,000 or £12,000 of vet fees cover, per year. Cover is available for injury, illness or disease, and if your pet develops an illness after 14 days of your policy start date, you can continue to claim for that condition up to the vet fees limit, each year (providing your cover remains in force).


Classic cover gives you a choice of up to either £8,000 or up to £4,000 of vet fees cover per condition for your pet and cover is available for injury, illness and disease. Once you reach the vet fees limit for a particular condition you are unable to claim again for that condition.


Basic cover offers you up to either £1,500 or up to £3,000 vet fees for up to 12 months from the first date of treatment or up to the limit, whichever happens first. This is for each condition for your pet for injury, illness or disease.

Accident Only

Accident Only gives you up to £2,500 of vet fees cover, for 12 months from the first date of treatment or up to the limit, whichever happens first. You won’t be covered for any pet illnesses, unless the illness was a result of the accident.




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.

Opening times

  • Monday to Friday, 8am to 8pm
  • 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.

Thanks for your feedback

Please don't enter any personal information (such as your policy number, email address or password) in the box above.

More For Our Customers

MORE TH>N - News and Information

MORE TH>N brings you all the news and information about what we cover, what we do and what that means for you, including flood advice.

Customer loyalty discount

You already trust us with your insurance, so we want to thank you by offering you a great deal on other selected insurance products.