Pet insurance
Access to qualified vet nurses, any time, any day
- Our Premier cover is 5 Star Defaqto rated*
- We pay 9 out of 10 customers claims**
- We can pay your vet directly
Subject to vet agreement, excess applies.
Cover for your pet
No need for bubble wrap. Cover your furry companion with MORE THAN pet insurance instead.
Our pet insurance cover levels
Accident only
Basic
Classic
Premier
Vet fees limit £2,500
Vet fees limit £1,500 or £3,000
Vet fees limit £4,000 or £8,000
Vet fee limit £1,000, £2,000, £4,000 or £6,000 for each accident or illness each year.
Third party liability (for dogs)
Third party liability (for dogs)
Third party liability (for dogs)
Third party liability (for dogs)
Accidental damage
Accidental damage
Accidental damage
Accidental damage
Emergency boarding
Emergency boarding
Emergency boarding
Emergency boarding
Lost and found cover
Lost and found cover
Lost and found cover
Lost and found cover
Pets abroad cover
Pets abroad cover
Pets abroad cover
Pets abroad cover
Complementary treatment cover
Complementary treatment cover
Complementary treatment cover
Complementary treatment cover
Farewell cover
Farewell cover
Farewell cover
Farewell cover
Premier policies bought before 20 March 2022
If you took out a pet insurance policy with us before 20 March 2022, different limits may apply.
If your policy has both a total vet fee limit as well as a limit per accident or illness, then both these limits will apply until notified at renewal. Depending on the level of cover selected, your policy will either be subject to a total vet fee limit of £4,000 (with each accident or illness limited to £1,000 of vet treatment) or £12,000 (with each accident or illness limited to £4,000 of vet treatment) each year.
If your policy has a total vet fee limit only, then this will remain unchanged.
More details on the vet fees limits that apply to your policy can be found in your schedule, or on your policy documents. If you're unsure, get in touch.
The experts really rate our pet insurance
Our pet insurance has achieved a 5 Star Defaqto rating*. Rest assured that your pets are in safe hands with one of the highest quality offerings on the market.
Ready to start a pet insurance quote?
Need cat or dog insurance?
Find out more about MORE THAN pet insurance options for cats and dogs:
Why choose MORE THAN pet insurance?
We like to make sure you and your pet are benefitting from your pet insurance. As MORE THAN pet insurance customers, you can both enjoy:
Claims made easy
We pay 9 out of 10 customers claims**, you don't have to worry about the unexpected. Ask your vet to assist with your claims form and, if they agree, we can pay them directly. Excess applies.
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. Multiple discounts applied consecutively.
Pets abroad cover
Pack up the whole family for your next adventure. 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.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.
Ready to get a quote for pet insurance?
Vets costs and cover
When you need your vet's help, pet insurance can support you by assisting with the cost of vet fees. Our internal vet, Martin, explains the different accidents and illnesses that could occur and what they can cost***:
"Sadly, hundreds of cats get hit by cars every year. Many of those who survive have serious injuries, such as broken bones which need extensive veterinary treatment and recovery time at vets and at home. The average cost of this treatment is £1,654.72 based on 349 claims.”
“Lumps and bumps are common on our pets. Often, the best way to be sure what the lump is and whether it needs treatment is to have it removed and sent for analysis. Our claims data shows that malignant tumours such as lymphoma in dogs, which can need chemotherapy, cost an average of £2,547 based on 485 claims. Even a benign fatty lump (lipoma) has an average claim cost of £628 based on 1,685 claims.”
“Diabetes is a common hormonal condition in both dogs and cats. These pets usually need daily insulin injections for life. This needs a great deal of pet owner time and devotion, plus there are significant lifelong costs involved. The average claimed costs for a cat with diabetes are £1,821 based on 219 claims, with dogs being higher at £2,359 based on 576 claims."
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 covering your pet. Different things can affect the cost of their insurance, such as:
- Age: 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.****
- Breed: no two pets are the same and their differences can cause the cost of insurance to vary.
- Vets: improvements in treatment care can cause the cost of looking after your pet to increase.
- Claims: a claim being paid can also cause your renewal price to increase.****
What isn't covered by pet insurance
- Vaccinations
- Spaying or castration
- Flea treatment
- Wormers
- Nail clipping
- Grooming.
Useful guides
Important information
*Our Defaqto rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000
**MORE THAN claims data January 2021 to December 2021
***MORE THAN pet claims data 1 January 2018 to 28 April 2021
****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. There is no limit to how much your renewal price can increase.