Dog and puppy insurance
Our dog insurance includes a 24/7 vet advice helpline
Keep tails wagging with MORE THAN dog and puppy insurance
We offer you more choice with three levels of cover for you and your dog or puppy.
Dog insurance cover levels
Basic (Time Limited)
Classic (Maximum Benefit)
Lifetime (Premier)
Vet fees limit
Vet fees limit
Vet fees limit
£1,500 or £3,000
Vet fees limit
£4,000 or £8,000
Vet fees limit
£1,000, £2,000, £4,000 or £6,000 for each accident or illness each year
Accident cover
Accident cover
Illness cover
Illness cover
Third party liability (for dogs)
Third party liability (for dogs)
Accidental damage
Accidental damage
Dental – Accident only
Dental – Accident only
Dental – Accident and Illness*
Dental – Accident and Illness*
Emergency boarding
Emergency boarding
Lost and found cover
Lost and found cover
Optional
Pets abroad cover
Pets abroad cover
Optional
Complementary treatment cover
Complementary treatment cover
Farewell cover
Farewell cover
Optional
Optional
*Dental care up to £2,000. Your dog must have a dental check every 12 months.
After your dog has had their first check and any necessary work has been completed, we pay for treatment for tooth decay or gum disease that occurs before the next 12 month check or at the time of the next check.
- For teeth or gums that have been damaged in an accident
- If an underlying illness causes tooth decay or gum disease
- To remove teeth to treat an illness that is not gum disease or tooth decay
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 up to £4,000 (with each accident or illness limited to up to £1,000 of vet treatment) or up to £12,000 (with each accident or illness limited to up 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 in your policy documents. If you're unsure, get in touch.
Dog and puppy insurance to suit your needs
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 all our 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 3 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 3 of our cover levels. Wider cover is available under Premier cover level.
What level of dog or puppy cover should I get?
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.
You can choose from three different cover levels with MORE THAN puppy insurance. So, if you want to cover your puppy against accidents only or illnesses as well, there may be a cover that’s right for you.
The experts really rate our Premier dog insurance
We got a 5 Star rating from Defaqto** again for giving your dog one of the highest quality offerings on the market.
Why choose MORE THAN dog and puppy insurance?
We pay 9 out of 10 customers' claims***
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. So you don't have to worry about the unexpected. Excess applies.
Access to expert vet nurses
If you have any questions or concerns about your dog, you have freephone access to qualified vet nurses any time, any day with vetfone.
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. Optional for Basic cover. Conditions and exclusions apply.
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.
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.
How to start a dog or puppy 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
- If 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
Useful guides
Important information
**Our Defaqto rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000
***MORE THAN data from February 2022 to January 2023