Girl with pet dog and black cat.

Pet insurance

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Girl with pet dog and black cat.

New customers only. 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.

Cover for your pet

No need for bubble wrap. Cover your furry companion with 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 treatment for an accident or until the vet fees limit is reaches, whichever happens first. If you make a claim and have any remaining cover benefits you wish to use in the next policy years, you must renew your policy with us and there must be no break in cover.

Basic

Also known as Time Limited. You 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, whichever comes 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

Complimentary treatment cover

Complimentary treatment cover

Complimentary treatment cover

Complimentary treatment cover

Optional

Farewell cover

Optional

Farewell cover

Optional

Farewell cover

Farewell cover

Basic, classic and premier important information:

The cost of looking after your pet's health doubles every 4 to 5 years. That's why 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.

It’s important you budget for renewal prices to increase as your pet gets older, there is no limit to how much your renewal price can increase over time.

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.

  • Pet's 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.

Ready to start a pet insurance quote?

Why choose our pet cover?

Our pet insurance customers get the following benefits as standard:

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. 

24/7 pet health advice from vetfone

If you have a question about your pet's diet or if they're feeling unwell and you’re unsure what to do, you can call vetfone, our freephone veterinary advice service, any time of the day or night.

Ready to get a quote for pet insurance?

Dog with red lead.

Added peace of mind with pet insurance

Our furry companions are not just pets; they're part of the family. When they're ill or in an accident, it can be a distressing time. Having pet insurance will help with unexpected costs, giving you added peace of mind.

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 protecting 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.



Vets costs and cover

It's always better to be safe than sorry when it comes to your pet.

Throughout your pet's life, they may experience accidents, short-term illnesses and require ongoing treatments. When you need your vets help, pet insurance can support you through these tougher times by assisting with the cost of vet fees. Here's a peek into what vet costs your pet insurance can cover:

Accidents

If your pet has been in an unexpected accident resulting in an injury, we can help towards the vet costs involved. This is included with all 4 cover levels of our pet insurance.

Short-term illnesses

A short-term illness, such as an ear infection, can be a cause for concern and well worth a trip to the vet. We'll support with their recovery by helping towards the vet fees. This is included with our Basic, Classic and Premier pet insurance cover levels.

Ongoing treatments

Some pets can develop longer term conditions, such as thyroid issues or arthritis, which will need ongoing treatment to keep them happy and comfortable day to day. If such conditions develop whilst you're insured with us, our Classic and Premier pet insurance cover levels will help towards vet costs involved.

Fancy earning cash rewards on everyday purchases?

Home, car, and pet insurance customers can join MORE THAN REWARDS and start earning cash rewards on everyday purchases. Use your cash rewards to help pay towards next year’s renewal and there’s no limit to how much you can earn. Join today so that you can start earning cash rewards with brands you know and love.

Excludes MORE THAN SMART WHEELS and LOW MILER

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MORE THAN is a trading name of Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).

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