Pet insurance
Access to Veterinary professionals 24/7 with FirstVet
Do you have a policy with us?
Make or track a claim, renew or get help with your pet insurance.
What is pet insurance?
Pet insurance can cover the cost of vet bills in the event your pet is injured in an accident or becomes ill. Restrictions apply, depending on the type of policy you take out. Having the right pet insurance can give you peace of mind if and when your pet needs to see a vet.
Compare our pet insurance cover levels
Basic (Time Limited) |
Classic (Maximum Benefit) |
Premier (Lifetime) |
Vet fees limit |
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Vet fees limit |
Vet fees limit |
Vet fees limit |
Vet fees limit |
Accident cover |
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Accident cover |
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Illness cover |
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Illness cover |
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Third party liability (for dogs) |
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Third party liability (for dogs) |
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Accidental damage |
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Accidental damage |
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Dental – Accident only |
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Dental – Accident only |
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Dental - Accident and Illness* |
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Dental - Accident and Illness* |
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Emergency boarding |
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Emergency boarding |
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Lost and found cover |
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Lost and found cover |
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Pets abroad cover |
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Pets abroad cover |
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Complementary treatment cover |
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Complementary treatment cover |
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Farewell cover |
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Farewell cover |
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*Dental care up to £2,000. Your pet must have a dental check every 12 months.
After your pet has had their first check and any necessary work has been completed, we pay for treatment for tooth decay or gum disease that occurs before the next 12-month check or at the time of the next check.
- For teeth or gums that have been damaged in an accident
- If an underlying illness causes tooth decay or gum disease
- To remove teeth to treat an illness that is not gum disease or tooth decay
Why choose our pet insurance?
We offer three levels of dog and cat cover to help you find the cover to suit your needs
24/7 FirstVet service
Speak to a qualified veterinary professional anytime with 24-hour access to FirstVet.
Claims made easy
Submit claims online 24 hours a day.
Multi-pet discount
You can receive a 15% discount for each pet that you insure on the same policy. Discounts applied consecutively.
Pet insurance to suit your needs
Dog or puppy insurance
Protect your pup with a choice of Basic, Classic or Premier cover.
Multi-pet insurance cover
You can receive a 15% discount for each pet you insure on the same policy.
How do we calculate pet insurance?
Different factors can affect the cost of your pet's insurance, such as:
- Age: As your pet gets older, their pet insurance costs increase. This is because older pets are more prone to illness.
- Breed: Differences between breeds can cause the cost of insurance to vary. This is especially the case if your pet is a pedigree.
- Advancing treatments: Improvements in veterinary care can increase costs of treatment.
- Claims: A claim being paid can also cause your renewal price to increase.
- Insurance Premium Tax: The government makes the decision to raise or lower this tax rate. This can cause pet insurance costs to go up or down.
There is a fixed excess on all pet insurance claims you make. At MORE THAN, you have the option to choose to pay a voluntary co-insurance amount towards each claim as well if your pet is under 9. This will mean you pay less every month or year.
Experts rate our Premier Pet Insurance
Our Premier Pet Insurance has achieved a 5 Star Defaqto Rating**.
More about our cover levels
Basic
Also known as Time Limited. Our Basic policy provides cover for each new accident or illness within a defined period. This will be for 12 months from either the first clinical signs or first treatment until the vet fee limit is reached whichever happens first.
Classic
Also known as Maximum Benefit. Our Classic policy provides cover for vet fees up to your chosen vet fee limit for each new accident or illness. There is no time limit in which you can use your vet fee limit.
Premier
Also known as Lifetime cover. Our Premier policy provides cover for vet fees up to your chosen vet fee limit for each new accident or illness each year. As long as you renew your policy with no break in cover, the vet fee limit is reinstated each year.
Ready to start a pet insurance quote?
What's not covered by insurance
- Vaccinations
- Spaying or castration
- Flea or worming treatments
- Grooming
- Microchipping
Spaying or neutering isn't covered under any MORE THAN pet insurance cover levels. This is something you'll need to budget for yourself. Your vet will be able to advise when your pet can be spayed or neutered, and how much it costs.
With MORE THAN, dental treatment is covered under our 3 cover levels:
- Basic and Classic cover: includes cover for dental care if teeth or gums are damaged in an accident
- Premier cover*: includes cover for dental care if teeth or gums are damaged in an accident. It also covers vet fees for dental care up to £2,000, if your dog has a dental check every 12 months and the necessary work is completed
*Dental care up to £2,000. Your pet must have a dental check every 12 months.
After your pet has had their first check and any necessary work has been completed, we pay for treatment for tooth decay or gum disease that occurs before the next 12-month check or at the time of the next check.
- For teeth or gums that have been damaged in an accident
- If an underlying illness causes tooth decay or gum disease
- To remove teeth to treat an illness that is not gum disease or tooth decay
It may be possible for your pet insurance to be transferred to a new owner. Please contact us to find out more.
Yes, if the antibiotics are given for an illness or injury that is covered by your pet insurance. Conditions and exclusions apply.
You can still get pet insurance, but MORE THAN insurance will not cover pre-existing conditions. These are health issues, concerns, illnesses and injuries that you or your vet were aware of before you took out the policy.
Our pet insurance covers diabetes if the illness develops while your pet is insured with us. This is up to the policy limits. If the diabetes is pre-existing, this would not be covered by MORE THAN insurance.
No - your pet insurance will not cover any pregnancy related claims.
You are covered for the cost of vet fees under your policy, subject to the amount of vet fees and whether the condition is covered under your policy. But the amount you can claim depends on whether you have a basic, classic or premier policy, and is subject to the terms and conditions of your policy.
For further information, please refer to your policy schedule and documents that were sent to you at the time of purchasing your policy.
Vet fees include the cost of:
- an examination
- consultation
- advice
- tests
- x-rays
- surgery
- medication
- nursing care
- physiotherapy
- homeopathic and herbal medicine
These treatments and services must be provided by a vet or someone who works at a vets under the instruction of a vet.
When buying a pet insurance policy, you might qualify for more than one of our discounts. You do not need to do anything; we will take away any discounts from your final quote automatically. Consecutively means we will remove the discounts one at a time.
The cost of looking after your pet's health can increase as they get older. That's why your renewal price increases each year and a mandatory co-insurance amount will be applied at the renewal following your pets 9th birthday.
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.
** Our Defaqto Rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000