We sell a policy every two minutes ^

We sell a policy every two minutes ^

Protecting customers with insurance since 2001

Girl with pet dog and black cat.

Pet insurance

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

Girl with pet dog and black cat.

Pet insurance to suit your needs

Choose from four levels of cover that's best for you and your four-legged friend

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.

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

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

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.

Pet insurance Defaqto 2022 5 star

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 how our pet insurance can suit your dog or cat. And if you have more than one pet, our multi-pet cover comes with a 10% online discount:

Why choose MORE THAN pet insurance?

Being a MORE THAN pet insurance customer, you'll benefit from years of our experience and 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. 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 vet nurses any time, any day with vetfone.

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

Ready to get a quote for pet insurance?

Vet costs and your pet cover

Our in-house vet team, explains the vet costs involved in some common pet accidents and illnesses***:

"Lameness is a common illness in both cats and dogs, and is usually a sign of pain or injury. It can be present in several conditions affecting the joints, ligaments, or bones. There are several congenital and developmental conditions in dogs that can be associated with lameness, such as arthritis. The average cost of treating lameness in cats is £669, based on 243 claims, and in dogs is £960, based on 3,756 claims.


"Some of the most common illnesses in both cats and dogs are lumps and bumps. Some can be cancerous and others can be benign fatty lumps. Malignant tumours such as lymphoma in dogs, which can need chemotherapy, cost an average of £2,437 based on 287 claims. Even a benign fatty lump (lipoma) has an average claim cost of £695 based on 842 claims.”

Man grooming dog.

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:

Important information

*MORE THAN data June 2021 to May 2022

****MORE THAN pet claims data 1 January 2020 to 21 April 2022

*****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.