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We sell a policy every two minutes ^

Protecting customers with insurance since 2001

Updates: Coronavirus help and support and changes to our business products.

Man grooming dog.

Dog and puppy insurance

25% online discount for new customers

  • Our Premier cover is 5 Star Defaqto rated*
  • We pay out 9 out of 10 customers claims**
  • We can pay your vet directly
Man grooming dog.

Subject to vet agreement, excess applies.

Keep tails wagging with MORE THAN dog and puppy insurance

Be ready for the unexpected by covering your new puppy or dog with our pet insurance. When your canine companion is ill or injured, we can help with the vet costs and care that they need. Choose between our 4 cover levels to see what cover suits your puppy or dog.

Dog insurance cover levels

Accident only

With our lowest level of cover your dog 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 dog 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 dog 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 dog 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

Complementary treatment cover

Complementary treatment cover

Complementary treatment cover

Complementary treatment cover

Optional

Farewell cover

Optional

Farewell cover

Optional

Farewell cover

Farewell cover

Expect great cover with our dog and puppy insurance for when they need more...

Complementary treatments cover

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.

Pets abroad cover

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.

Third party liability cover

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.

Dental cover

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.
MORE THAN dog insurance 5 Star rating from Defaqto

Award winning dog insurance

We got top marks from Defaqto* again for giving your dog one of the highest quality offerings on the market.

Why choose MORE THAN dog and puppy 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.

New customer benefits

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

Multi-pet savings

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

On average 91% of all claims are paid**

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. Excess applies. 


Round the clock vet care

Puppies especially can find themselves in all sorts of mischief. That's why with every MORE THAN dog and puppy insurance policy, you'll get 24/7 access to vetfone. Vetfone is a freephone advice line to a national network of qualified vet nurses who are there to reassure you whenever you need it.

Puppy-proof insurance for your new companion

We've answered your top questions about puppy insurance

Three dogs.

Do I need puppy insurance?

Welcoming a puppy home is an exciting time. There's so much that you need to focus on in those first few weeks, but don't let puppy insurance slip your mind. Puppies are mischievous and an accident or illness can happen when you least expect it.

Our in-house vet, Martin, says the most common health issues your puppy could face in their first few years are joint problems, eating non-food articles, vomiting and diarrhoea, fractures and poisoning. MORE THAN pet claims data January 2019 to June 2021.

    If you don't insure your puppy, you'll need to pay the vet bills and you may not get cover for conditions that appear before getting insurance. To help you decide whether you want puppy insurance, start a quote to see what type of policy you can get and how much it will cost.

    How much cover does my puppy need?

    When deciding what level of cover to get, think about your puppy and your budget. Vet bills can add up, especially if your puppy needs ongoing treatment and vet care. In 2020, the ABI shared that the average cost of a dog or puppy related claim was £815. Would you be able to pay for that unexpectedly without the help of insurance?

    You can choose from 4 different cover levels with MORE THAN puppy insurance. So, if you want to cover your puppy against accidents only or illnesses as well, there's a cover level that’s right for you.


    Vet costs, cover and claims

    If your puppy or dog needs a vet, it can be an expensive time. Dog insurance can help. Our in-house vet, Martin, has shared what accidents and illnesses our canine companions can experience throughout their lives****:

    "Rupture of the cruciate ligaments in the knees is one of the most common injuries we see claims for. These usually need surgery and the average cost of a claim is £2,891 based on 2,635 claims."

    "Epilepsy can affect dogs as well as humans. Daily treatment and regular testing to ensure medication is at the correct dose to control fits can result in an average cost of £1,319 based on 1,334 claims.”

    "Gastro-enteritis is a term that vets use to describe vomiting and diarrhoea. This is common as dogs will often eat things that may seem tasty to them but upset their digestive system. Your vet may choose to run tests and with these and treatment the average cost is £751 based on 2,964.”

    Girl with puppy.

    The cost of dog insurance

    Your dog is unique, which is why we give personalised quotes depending on your dog and their needs. There are a few things that will impact the cost of your insurance:

    • Age: as your dog ages, they are more likely to get ill and get injured. This can affect the cost of their insurance.
    • Breed: some dog breeds are more likely to get ill or an injury, which can cause your dog insurance cost to vary.
    • Cover: MORE THAN dog insurance offers 4 different cover level options to choose from. The different options can vary in cost due to the level of cover given.
    • Claims: if you need to make a claim on your dog insurance, your renewal price may increase as a result.

    How to start a 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
    • Date of birth (they must be at least 8 weeks old)
    • Whether they've been spayed or neutered
    • If they live at your home address with you
    • If they are to be used for breeding purposes
    • If they are to be trained to attack, used for racing, fighting, security or as a guard dog.

    About you

    • Name
    • Age (you must be over 18)
    • Address
    • The date you'd like your policy to start
    • Contact details
    • Whether you're the owner and keeper of the dog or puppy you want to insure
    • That you have had an insurance policy declared void or cancelled by an insurer.

    Ready to get a quote for dog insurance?

    Save time and money with multi-pet insurance

    MORE THAN multi-pet insurance lets you cover two or more of your furry friends under the same policy. With multiple dogs at home, you've got better things to do than searching for different policies for each dog. You'll also receive a 10% discount for each dog you add to your multi-pet policy. Now that's worth wagging a tail for.
    Start a quote

    Important information

    *Our Defaqto Rating applies to Premier £4,000 or £12,000 and Classic £8,000

    **MORE THAN claims data July 2020 to June 2021

    ***Based on MORE THAN pet claims data January 2019 to June 2021

    ****MORE THAN pet claims data 1 January 2018 to 28 April 2021.