We sell a policy every two minutes ^

We sell a policy every two minutes ^

Protecting customers with insurance since 2001

Updates: Coronavirus help and support and changes to our travel and business products.

Pet insurance

25% online discount for new customers

  • Our Premier cover is 5 Star Defaqto rated*
  • We pay out 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

With our lowest level of cover your pet will be covered for unexpected mishaps. You’ll be able to claim vet fees for a period of 12 months from the first date of treatment for an accident or until the vet fee limit is reached, whichever happens first. If you make a claim and have any remaining cover benefits you wish to use in the next policy year, you must renew your policy with us and there must be no break in cover.

Basic

Also known as Time Limited. Your pet will be covered for accidents or illness for a period of 12 months from the first date of treatment or until the vet fee limit is reached, whichever happens first. If you make a claim and have any remaining cover benefits you wish to use in the next policy year, you must renew your policy with us and there must be no break in cover.

Classic

Also known as Maximum Benefit. Your pet will be covered for accidents or illness up to your chosen vet fees limit for each condition, until the limit is reached. If you make a claim or have any remaining cover benefits you wish to use in the next policy year, you must renew your policy with us and there must be no break in cover.

Premier

Also known as Lifetime. Your pet is covered for injuries and illnesses (including one-off, reoccurring and ongoing) up to your chosen vet fees limits each year, as long as you renew each year and there's no break in cover.

Vet fees limit £2,500

Vet fees limit £1,500 or £3,000

Vet fees limit £4,000 or £8,000

Vet fees limit 

£4,000 (with each injury or illness limited to £1,000 of vet treatment) or £12,000 (with each injury or illness limited to £4,000 of vet treatment) 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

Optional

Lost and found cover

Optional

Lost and found cover

Lost and found cover

Lost and found cover

Pets abroad cover

Optional

Pets abroad cover

Pets abroad cover

Pets abroad cover

Complementary treatment cover

Complementary treatment cover

Complementary treatment cover

Complementary treatment cover

Optional

Farewell cover

Optional

Farewell cover

Optional

Farewell cover

Farewell cover

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. Conditions and exclusions apply.

Pets 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.

Defaqto award logo

The experts really rate our pet insurance

Our premier 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:

Welcome to MORE THAN pet insurance

New customers receive a 25% discount when they buy their pet insurance policy online.

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:

New customer benefits

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

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.

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. Excess applies.

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."

Girl with two dogs and a cat.

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.****

Man grooming dog.

What isn't covered by pet insurance

Pet insurance is there for you should an unexpected accident happen, or your pet is unwell. It doesn't cover routine treatments, such as:
  • Vaccinations
  • Spaying or castration
  • Flea treatment
  • Wormers
  • Nail clipping
  • Grooming.

Important information

*Our Defaqto Rating applies to Premier £4,000 or £12,000 and Classic £8,000

**MORE THAN claims data July 2020 to June 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.