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Protecting customers with insurance since 2001

Man grooming dog.

Dog insurance

25% online discount for new customers

  • Our Premier cover is 5 Star Defaqto rated*
  • We pay out on 92% of claims**
  • We can pay your vet directly
Man grooming dog.

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. Subject to vet agreement, excess applies.

Our dog insurance cover levels

We offer four different cover levels for you to choose from

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. 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, 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.

Why choose our dog insurance?

Dogs are just like us, really. They can be a little accident prone and get ill from time to time. If that happens, dog insurance can give you added peace of mind and help with unexpected costs along the way.

Multi-pet savings

Receive a 10% multi-pet discount for each pet that you insure on the same policy with our multi-pet discount.

New customer benefits

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

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.

Dog health experts available 24/7

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 dog insurance?

Protect your furry friend

You can expect some great cover as standard with your dog insurance.

For when they need more care

If your dog isn't feeling themselves and your vet recommends alternative treatments, such as physiotherapy or hydrotherapy through a qualified practitioner, our complementary treatments cover may support you both throughout their recovery. This is included with our Basic, Classic and Premier cover levels.

For when they need more protection

If your dog gets into mischief, it's reassuring to know you're both covered against damage to other humans and their property with our third party liability cover if you are found legally responsible. You'll find this included in all 4 of our cover levels.

For when they need more time to relax

The safety of your dog is important to us, whether you're jet setting or at home. We'll cover your dog for healthcare and emergency costs within certain European countries for added peace of mind when travelling abroad together. This is included with our Classic and Premier cover, or as an optional extra on our Basic cover.

For when they need more floss

We'll get your dog back to chewing their favourite toy in no time. Cover for teeth and gums that are damaged in an accident is included in all 4 of our cover levels. Wider cover is available under Premier cover level.

Ready to get a quote for dog insurance?

A few things you need to know

To become a MORE THAN dog insurance customer, you and your pet will need to meet some conditions. A few examples of these are:

Your pet

  • Must be at least 8 weeks old
  • Must live with you at your home address
  • Is not used for breeding (this means not used for breeding more than 2 times in its life)
  • Has not been trained to attack, used for racing, fighting, security or as a guard dog
  • Is not used as business, to make money or earn an income
  • Is not a breed that we don't insure

You

  • Must be the owner and keeper of the pet
  • Must be over 18
  • Must live in the UK, Isle of Man or the Channel Islands
  • Must never have had an insurance policy declared void or cancelled by an insurer.

Got questions about the eligibility of you and your pet?

Man on telephone about his dog.

On average 92% of all claims are paid

We can pay your vet direct. Subject to your vet’s agreement, excess applies. MORE THAN data January to July 2020.


Dog with red lead.

Common dog treatments

We know the thought of your favourite furry friend feeling under the weather isn't very nice, but being prepared for the 'what if' situations with dog insurance will help when the unexpected happens. We've shared common dog illnesses, causes and their treatments for dogs in our handy guide.

Read our guide

How to get your dog insurance quote

We just need a few details about you and your dog or puppy before we can give you an insurance quote, such as:

About your dog or puppy

  • Name
  • Breed (we do not insure all dog breeds, read this useful guide to learn more)
  • Date of birth
  • Whether they've been spayed or neutered

About you

  • Name
  • Address
  • The date you'd like your policy to start
  • Contact details

Ready to get a quote for dog insurance?

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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Important information

  • *Premier £4,000 & £12,000 and Classic £8,000
  • **MORE THAN DATA January to July 2020