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.

Multiple discounts applied consecutively.

Our dog insurance cover levels

We offer four different cover levels for you to choose from.

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.

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.

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 as business, to make money or earn an income

> Is not a breed that we don't insure


> Must be the owner and keeper of the pet

> Must be over 18

> Must live in the UK, Isle of Man or Channel Islands

> Must never have had an insurance policy declared void or cancelled by an insurer


Get in touch with us if you have any questions about the eligibilty of you and your pet.

On average 93% of all claims are paid.

We can pay your vet direct. Subject to your vet’s agreement, excess applies. MORE THAN claims January 2019 - December 2019.

Common dog treatments and costs

It's better to be safe than sorry.

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 put together a list of common accidents, short-term illnesses and on-going treatments with the average costs involved for different sized woofers for you:

Source: all treatment costs paid in 2018 for policies underwritten by RSA, including MORE THAN.

Small dog (under 10kg) e.g. Yorkshire Terrier
Accidents Average
Unexpected accidents £596


Short-term illness Average
Gastro-enteritis £673
Vomiting £614
Vomiting & diarrhoea £606
Lump £529
Diarrhoea £478


Ongoing treatement Average
Lameness £713
Skin allergy £554
Cruciate rupture £1,908
Skin condition £483
Cushings disease  £1,101
Medium dog (10-20 kg) e.g. Cocker Spaniel
Accidents Average
Unexpected accidents £629


Short-term illness Average
Lump £594
Gastro-enteritis £666
Vomiting £638
Resiratory condition £1,369
Diarrhoea £508


Ongoing treatement Average
Lameness £802
Arthritis/DJD £594
Skin allergy £701
Tumour £942
Cruciate rupture £2,184
Large dog (over 20kg) e.g. German Shepherd
Accidents Average
Unexpected accidents £659


Short-term illness Average
Lump £558
Gastro-enteritis £621
Lipoma £742
Vomiting £479
Diarrhoea £457


Ongoing treatement Average
Lameness £875
Arthritis/DJD £623
Cruciate rupture £2,485
Tumour £995
Skin allergy £755

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. A few examples of these are:

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 (must live in the UK, isle of Man or Channel Islands)
  • The date you'd like your policy to start
  • Contact details
Start a quote

Rewards that help towards your renewal

Purchase dog insurance today and you could join our exciting loyalty programme MORE THAN REWARDS.

Earn cash rewards on everyday spending with brands you love - there’s no limit to how much you could save to help pay for your next renewal!

Find out more

Frequently asked questions

Still got a question? Here are some answers to our customers' most asked questions.

Does dog insurance cover neutering?

No - our dog insurance does not cover neutering or spaying.


Does dog insurance include vaccinations?

No - our dog insurance does not include vaccinations.


Does the insurance cover old dogs?

Yes - we have no upper age limit on the dogs we insure.


Will you insure my breed of dog?

If you cannot find your dog breed when getting a pet insurance quote, even if it is a cross or a mix of a breed that you cannot find on our breed list, we do not insure them unless you have contacted us and we have agreed to do so; please contact us.


Read more FAQs

What to consider when getting a kitten

Cats are our favourite fluffy companions. Check out our top tips on what to consider when getting a kitten

Caring for your pet during the summer

Help your pet if they look like they’re struggling with the summer heat with our guide here.

Calls may be recorded and monitored.