vetfone is a 24/7 freephone advice line available to our pet insurance customers. Whatever the time of day, you can speak to a qualified veterinary nurse about your pet. So, whether you've got a question about your cat or dog's diet or you're worried about their health, vetfone is there for you.
Benefit from 24/7 advice with vetfone
Why choose our cover?
Four cover levels to suit your pet and your pocket with the following benefits as standard:
Cover more than one pet on a policy
Cover up to three pets on one policy when you buy online, or more if you call. If you'd like your pets to be on different cover levels, call us on 0330 100 7824 - quote PETNET.
24/7 advice from vetfone
If your pet's not well and you’re unsure what to do, you can call our freephone veterinary advice service, day or night.
10% discount on each pet
We'll give you a 10% multi-pet discount for each pet you insure on the same policy with us, plus a 25% online discount for new customers only (all discounts applied one after the other, starting with your online discount).
It's easy to make a claim
Ask your vet to help you complete your claim form and email it back to us. If your vet agrees, we can pay them directly so you're not out of pocket. Policy excesses apply.
We provide the cover you need
We offer a choice of cover types so you can find one to suit your pet and your pocket. With no animal NHS, you'll want to cover the health of your furry four-legged friend, as pets grow older they are more likely to get ill, and this means prices increase at renewal and prices can increase significantly when a claim is paid. Your excess increases when your pet turns 9.
Rewards that reduce your renewal
Purchase car insurance today and you could join our exciting loyalty programme MORE THAN REWARDS.
Earn cash rewards on everyday spending with brands you love - there’s no limit to how much you could save to help pay for your next renewal!
Excludes MORE THAN SMART WHEELS.
Find out more
What does our pet insurance cover?
Compare our four levels of cover to find the best pet insurance for your pet:
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 treatment for an accident or until the vet fees limit is reached. 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.
- Vet Fees limit
- £2,500
- Third Party Liability (for dogs)
- Accidental Damage
- Emergency Boarding
- Lost and Found Cover
- Optional
- Pets Abroad Cover
- Complementary Treatment Cover
- Farewell Cover
- Optional
Basic
Your pet will be covered for accidents or illness for 12 months from the point of treatment or until the vet fees limit you have chosen is reached. 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.
- Vet Fees limit
- £1,500 or £3,000
- Third Party Liability (for dogs)
- Accidental Damage
- Emergency Boarding
- Lost and Found Cover
- Optional
- Pets Abroad Cover
- Optional
- Complementary Treatment Cover
- Farewell Cover
- Optional
Classic
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 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.
- Vet Fees limit
- £4,000 or £8,000
- Third Party Liability (for dogs)
- Accidental Damage
- Emergency Boarding
- Lost and Found Cover
- Pets Abroad Cover
- Complementary Treatment Cover
- Farewell Cover
- Optional
Premier
With Premier, our lifetime policy, your pet is covered for injuries and illnesses (including one-off, reoccurring and ongoing) up to your chosen vet fees limits, as long as you renew each year and there’s no break in cover.
- 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)
- Accidental Damage
- Emergency Boarding
- Lost and Found Cover
- Pets Abroad Cover
- Complementary Treatment Cover
- Farewell Cover
Your price will increase at renewal, because as your pet gets older they're more likely to get ill. A claim being paid can also cause your renewal price to increase significantly. Your excess will increase when your pet turns 9.
But what is pet insurance?
Why do I need it?
Our dogs and cats aren’t just pets; they’re members of the family. That’s why it’s important to have the cover in place to help them, should the unexpected happen. From accidents to serious illnesses, our pet insurance is there to help with your pet's recovery and make paying for vet treatment in an emotional and stressful situation, that much easier.
How much does pet insurance cost?
The cost of pet insurance can vary depending on factors such as the breed or age of your pet, so to get an accurate price for your dog or cat, spend a few minutes filling out a quick online quote.
Pet insurance is much like health insurance for people. As you get old you can expect to pay more for your health insurance. The same applies to pet insurance. The older your pet, or the more existing conditions they have, the higher the monthly or annual cost will be as the likelihood of treatment increases. New developments in diagnosis and treatments have meant that vets can give them even better care, which is great news for your family pet but means an increase in vet costs. It's important to make sure you've got the right amount of cover for your pet, which is why we have four different cover levels to choose from, not to mention optional add ons to tailor-make your policy to suit your pet's individual needs.
Need pet insurance for your dog?
Our affordable dog insurance offers you cover for your furry friend at a price that won’t break the bank.
There’s nothing generic about our cover either. We know that dental care for dogs can be expensive, that’s why we’ve covered you for up to £2,000 if you choose our Premier policy
Included in vet's fees limit, if your pet has had their teeth checked in the 12 months prior to the condition starting and your pet has had the recommended treatment carried out.
Need pet insurance for your cat?
Cats often test out their nine lives and that’s why alternative treatments (such as physiotherapy and osteopathy) are sometimes recommended by your vet. The good news is you’ll be covered for this with our cat insurance, as long as the treatment is carried out by a vet or qualified practitioner (excludes Accident Only cover).
Worried about your pet? You can call vetfone.
It's a freephone helpline open 24/7 for our customers.
Tailor-make your pet insurance policy to meet your needs,
with our additional cover options:
Lost and Found cover
Worried about your pet going missing? Add our Lost and Found cover to Accident Only or Basic level pet insurance policies (Classic and Premier include it as standard) and if your pet does go wandering, you can claim towards the cost of advertising or offering a reward for their safe return.
Pets Abroad cover
Travelling abroad with your pet? No worries. We cover your dog or cat for healthcare and emergency expenses within certain European countries, giving you peace of mind if you’re taking your fur family on holiday (excludes Accident Only cover). Conditions and exclusions apply.
Need multi pet insurance or to make a pet insurance claim?
We keep that simple too...
It's easy to make a claim
We make it easy for you to make a claim on your pet insurance. Simply download a claim form, fill in your details and email it along with any copies of your vet bills and pet’s medical history to our pet claims team who will begin working on your claim. We can even pay your vet directly if that’s what you prefer. In fact, we’re proud to say that on average 94% of all claims are paid.
Subject to your vet agreement, excess applies. M> claims April - August 18.
Insurance for multiple pets
Our multi pet insurance offers you a 10% discount for each pet you insure on the same policy with us and an additional 25% discount for new customers only who buy their pet insurance online (all discounts applied one after the other, starting with your online discount). You can cover up to three pets on one policy when you buy online but if you have more, simply give us a call and a member of our team can help organise the cover for you.
Looking for something else?
Manage your policy, cancel your policy or find out about the great benefits available to existing MORE TH>N customers:
Existing customers
Manage your account online
Cancel my policy
Find out how here.
Customer benefits
Find out more
Need to check your policy details?
Download the policy wording and summary below:
Guides and information
Need help?
Pre-existing conditions & ongoing care
Pre-existing and hereditary conditions, ongoing illness, as well as how your pet's age can affect your cover.
Changes & updates
Changing your personal or policy details.
Claims
Making a new pet insurance claim or tracking an existing claim.
Renewals & cancellations
Our pet insurance renewals process, and how to cancel your policy.
Policies & cover
What's included in our different cover levels, plus our exclusions, excess amounts and vet fees limits explained.
Policy documents
Your policy documents and how to access them.
Payments
Paying your pet insurance premium, changing your payment type or amending your payment date.
Useful contacts
How to contact us and where to send your documents.
Looking for another pet insurance page?
Calls may be recorded and monitored.