Why choose our pet insurance?

We love pets almost as much as we love people (sometimes even more), which is why we like to make sure you're both benefiting from your pet insurance. As MORE THAN pet insurance customers, you can both enjoy:
New customer benefits

If you're a new MORE THAN customer, you can enjoy a welcome 25% off online discount. 

More pets, more savings

Receive a 10% multi-pet discount for each pet that you insure on the same policy with our multi-pet discount.

Claims made easy

When times get tough, we can help with our easy claims process. Ask your vet to assist with your claims form and, if they agree, we can pay them directly.

24/7 qualified vet nurses

If you have any questions or concerns about your pet, you have freephone access to qualified veterinary nurses any time, any day with vetfone.

Multiple discounts applied consecutively.

Cover for your pet

No need for bubble wrap. Cover your furry companion with pet insurance instead.

The cost of looking after your pet's health doubles every 4 to 5 years. That's why your renewal price increases each year and your excess will increase when your pet turns 9. If a claim is paid, the price you will pay next year can double.

It's important you budget for renewal prices to increase as your pet gets older, there is no limit to how much your renewal price can increase over time.

We've got some great cover included

As standard or as optional extras, depending on the cover level you choose.
Lost and found cover

Does your pet love to roam too far from home? You could claim towards the cost of advertising or offering a reward for their safe return if they go missing or they are stolen with our lost and found cover. Our Classic and Premier cover levels include this as standard. 

Pet's abroad cover

No one gets left behind this year. Pack up the whole family for your next adventure with our pet's abroad cover. We cover your dog or cat for healthcare and emergency expenses in certain European countries. Excludes accident only cover and is optional for Basic cover.

Conditions and exclusions apply.

Need cat or dog insurance?

Find out more about our pet insurance for cats and dogs:

Added peace of mind with pet insurance

Our furry companions are not just pets; they're part of the family. When they're ill or in an accident, it can be a distressing time. Having pet insurance will help with unexpected costs, giving you added peace of mind.

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How we calculate your pet insurance cost

All pets are totally unique, which is why we give you a personalised quote to cover the cost of protecting your pet. Different things can affect the cost of their insurance, such as:

It happens to the best of us. As your pet ages, pet insurance costs increase, because as your pet gets older, they're more likely to get ill.


Improvements in treatment care can cause the cost of looking after your pet to increase.


No two pets are the same and their differences can cause the cost of insurance to vary.


A claim being paid can also cause your renewal price to increase.

Vets costs and cover

It's always better to be safe than sorry when it comes to your pet.

Throughout your pet's life, they may experience accidents, short-term illnesses and require ongoing treatments. When you need your vets help, pet insurance can support you through these tougher times by assisting with the cost of vet fees. Here's a peek into what vet costs your pet insurance can cover:



If your pet has been in an unexpected accident resulting in an injury, we can help towards the vet costs involved. This is included with all 4 cover levels of our pet insurance.

Short-term illnesses

A short-term illness, such as an ear infection, can be a cause for concern and well worth a trip to the vet. We'll support with their recovery by helping towards the vet fees. This is included with our Basic, Classic and Premier pet insurance cover levels.

Ongoing treatments

Some pets can develop longer term conditions, such as thyroid issues or arthritis, which will need ongoing treatment to keep them happy and comfortable day to day. If such conditions develop whilst you're insured with us, our Classic and Premier pet insurance cover levels will help towards vet costs involved.

Are you ready to insure you pet?

Get your quote today to protect your furry companion.

Rewards that help towards your renewal

Purchase pet insurance today and you could join our exciting loyalty programme MORE THAN REWARDS. 

Earn cash rewards on everyday spending with brands you love - there's no limit to how much you could save to help pay for your next renewal!

Find out more

Frequently asked questions

Still got a question? Here are some answers to our customers' most asked questions.

Can pet insurance be transferred to a new owner?

It may be possible for your pet insurance to be transferred to a new owner. Please contact us to find out more.


Will my pet insurance cover antibiotics?

Yes - if your pet has an illness or injury that is covered by your pet insurance and your vet has given them antibiotics to help them feel better, the antibiotics will be covered. Conditions and exclusions apply.


My pet has a pre-existing condition; can I still get pet insurance?

You can still get pet insurance, but it will not cover pre-existing conditions. These are health issues, concerns, illnesses and injuries which have developed or are showing signs of developing which you or your vet were aware of before you took out the policy.


Does pet insurance cover diabetes?

Yes - if your pet develops diabetes whilst insured with us, they will be covered with our Basic, Classic and Premier pet insurance cover levels up to the policy limits.


Does pet insurance cover pregnancy?

No - your pet insurance will not cover any pregnancy related claims.


What is defined as a vet fee?

Vet fees include the cost of:

  • an examination
  • a consultation
  • advice
  • tests
  • x-rays
  • surgery
  • medication
  • nursing care
  • physiotherapy
  • homeopathic and herbal medicine

Please note: these treatments and services must be provided by a vet or someone who works at a vet practice under the instruction of one.

Read more FAQs

What to consider when getting a kitten

Cats are our favourite fluffy companions. Check out our top tips on what to consider when getting a kitten.

Caring for your pet during the summer

Help your pet if they look like they’re struggling with the summer heat with our guide here.

Calls may be recorded and monitored.