Every 35 seconds, someone chooses MORE THAN ^

Every 35 seconds, someone chooses MORE THAN ^

Protecting customers with insurance since 2001

Man grooming dog.

Dog insurance

24 hour vet advice via phone or video call

Man grooming dog.

Do you have pet insurance with us?

Visit our existing customer page to find out how to make changes to your policy. You can also read our FAQs for answers to key questions.

Dog insurance to suit your pet

Our dog insurance is here to help.

Choice of vet fee limits

Choose a vet fee limit to suit you, with different amounts for each cover level.

Help with medication costs

Your cover includes the cost of vet prescribed medication.

Physiotherapy and more

We'll cover treatments such as physiotherapy and homeopathy when recommended by a vet.

We can settle most vet bills directly

Saving you the hassle and expense of upfront payments. Subject to vet agreement. Excess applies.

Why it’s worth getting dog insurance

Luke Mallion, our in house vet, seated.
A green Quote, speech mark.
"We know that your dog is very precious to you. Unfortunately, vet bills can add up, especially if your dog or puppy needs ongoing vet care. Lameness is our most common dog illness claim with an average of £1,005 paid out*. Dog insurance can help you cover the cost of treatment and provide peace of mind if the unexpected happens."
Luke Mangion, MORE THAN vet. MORE THAN data from January 2022 to December 2023*

Choose from our 3 cover levels

Basic, also known as Time Limited:

  • Covers each new accident or illness within a defined period
  • This will either be for 12 months from the first treatment date or until your chosen vet fee limit is reached, whichever happens first

Classic, also known as Maximum Benefit:

  • Covers vet fees up to your chosen vet fee limit for each new accident or illness
  • If you renew your policy without a break in cover, the vet fee limit resets each year

Premier, also known as Lifetime cover:

  • Covers vet fees up to your chosen limit
  • If you renew your policy without a break in cover, the vet fee limit resets each year

Compare dog insurance cover levels

Basic (Time Limited)

Classic (Maximum Benefit)

Premier (Lifetime)

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 every 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

Vet fees and choosing the right cover level

To help you decide which cover level you need, here's a guide to health conditions in dogs and the average paid out:

The most common health conditions for dogs and the average we've paid out for each are:

  • Lameness - £1,005
  • Poisoning - £572

These can vary by breed. MORE THAN data from January 2022 to December 2023.

Average cost of dog insurance

The average premium is £250.95 per year for Classic cover or £256.50 for Premier cover levels**. Based on MORE THAN data from January to August 2023.

Selecting the appropriate cover level is a personal decision. Learning more about health conditions in dogs and associated costs may help you make the right choice.

Getting your dog insurance quote

We just need a few details about you and your dog or puppy. This includes both your names, age and address, plus the following:

About your dog or puppy

  • Breed
  • 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

Personal information

  • 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?

Defaqto pet insurance logo.

Experts rate our Premier insurance

Defaqto** has awarded our pet insurance a 5 Star Rating. Proving that we offer one of the highest quality options available for your furry friend.

10% discount for additional dogs

If you have more than one dog at home, you could save time and money by insuring them on the same policy. With our multi-pet policy you'll receive a 10% discount for each cat you insure

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.

MORE THAN and Dogs for Good logos in a banner for the 2021 partnership.
Learn about our partnership

Important information

**Your renewal price increases each year and your excess may 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

***Our Defaqto Rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000