How do you calculate the cost of pet insurance?

Different things can affect the cost of your pet's insurance, such as:<ul><li>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^</li><li>Breed: no two pets are the same and their differences can cause the cost of insurance to vary</li><li>Vets: improvements in treatment care can cause the cost of looking after your pet to increase</li><li>Claims: a claim being paid can also cause your renewal price to increase^</li></ul>

Does pet insurance cover spaying or neutering?

Spaying or neutering isn't covered under any MORE THAN pet insurance cover levels, and 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.

Does pet insurance cover dental?

With MORE THAN, dental treatment is covered under our four cover levels:<ul><li>Accident only, Basic and Classic cover: teeth and gums if damaged in an accident</li><li>Premier cover: up to £2,000 vet fees </li></ul> To read more about what each level of cover includes, please refer to our <a href="https://static.rsagroup.com/more-than/Pet/more-than-pet-insurance-policy-wording.pdf">pet insurance policy wording</a>.

Can pet insurance be transferred to a new owner?

It may be possible for your pet insurance to be transferred to a new owner. <a href="/contact-us-help-and-support/pet/#contact-us">Please contact us to find out more.</a>

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 <a href="/pet-insurance/guides/pre-existing-conditions/">pre-existing conditions</a>. 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 <a href="/pet-insurance/guides/types-of-pet-insurance/">pet insurance cover levels</a> 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: <ul><li>an examination</li><li>a consultation</li><li>advice</li><li>tests</li><li>x-rays</li><li>surgery</li><li>medication</li><li>nursing care</li><li>physiotherapy</li><li>homeopathic and herbal medicine</li></ul> 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.

Pet insurance

Name: More Than Pet insurance
Brand: More Than
Rating: 4.0 (14175 reviews)

8 out of 10 customers renew their pet insurance with us*

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Do you have a policy with us?

Make or track a claim, renew or get help with your pet insurance.

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Why choose our pet insurance?

We offer four levels of dog and cat cover to suit your pocket and your pet’s needs

24/7 vetfone service

You have freephone access to speak to qualified veterinary nurses all day, every day with vetfone.

Claims made easy

We pay 9 out of 10 customers claims*, so you don't have to worry about the unexpected.

Multi-pet discount

You can receive a 10% discount for each pet that you insure on the same policy. Discounts applied consecutively.

Pet insurance built for you

Our four levels of cover help you choose what's best for you and your four-legged friend

Dog or puppy insurance

Protect your pup with a choice of Accident only, Basic, Classic or Premier cover.

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Find out more

Cat or kitten insurance

Cover your kitten for accidents or illness.

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Find out more

Multi-pet insurance cover

You can receive a 10% discount for each pet you insure on the same policy.

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Find out more

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 accidents and illnesses (including one-off, reoccurring and ongoing) up to your chosen vet fee limit each year, as long as you renew each year and there's no break in cover.

Read more about accident only

Read more about basic

Read more about classic

Read more about 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)

Accidental damage

Emergency boarding

Optional

Lost and found cover

Optional

Lost and found cover

Pets abroad cover

Optional

Pets abroad cover

Complementary treatment cover

Optional

Farewell cover

Optional

Farewell cover

Optional

Farewell cover

Read more about accident only

Read more about basic

Read more about classic

Read more about premier

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 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.

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Our partnership with Dogs for Good

We've teamed up with Dogs for Good, a life-changing charity who create partnerships between people living with disabilities and specially trained assistance dogs.

MORE THAN and Dogs for Good logos in a banner for the 2021 partnership.

Learn about our partnership

What doesn't pet insurance cover?

Pet insurance is there for you should the unexpected happen. While there's plenty it does cover, there are some things it doesn't, such as:

Vaccinations
Spaying or castration
Flea or worming treatments
Grooming
Microchipping

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Different things can affect the cost of your pet's 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^

Useful guides

Important information

*MORE THAN data June 2021 to May 2022

**Our Defaqto rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000

^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.

Pet insurance

8 out of 10 customers renew their pet insurance with us*

Do you have a policy with us?

Why choose our pet insurance?

24/7 vetfone service

Claims made easy

Multi-pet discount

Pet insurance built for you

Dog or puppy insurance

Cat or kitten insurance

Multi-pet insurance cover

Our pet insurance cover levels

Accident only

Basic

Classic

Premier

Premier policies bought before 20 March 2022

The experts really rate our pet insurance

Ready to start a pet insurance quote?

Our partnership with Dogs for Good

What doesn't pet insurance cover?

Ready to get a quote for pet insurance?

Frequently asked questions

How do you calculate the cost of pet insurance?

Does pet insurance cover spaying or neutering?

Does pet insurance cover dental?

Can pet insurance be transferred to a new owner?

Will my pet insurance cover antibiotics?

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

Does pet insurance cover diabetes?

Does pet insurance cover pregnancy?

What is defined as a vet fee?

Useful guides

Common cat illnesses and diseases…

Common dog illnesses and treatments…

Pet vaccinations - dog and cat vaccines…

Microchipping your pet…

Important information