We sell a policy every two minutes ^

We sell a policy every two minutes ^

Protecting customers with insurance since 2001

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

Multi-pet insurance

Enjoy a 10% discount for each pet you insure on the same policy

Up to 3 pets can be added online and more when you call. To receive this discount, your pets need to be under one policy.

Keep your pets under one roof with MORE THAN multi-pet insurance

Let's keep it simple. Multiple pets don’t always need multiple pet insurance policies. How does one policy, one set of documents and one renewal date with an award-winning* pet insurer sound? Cover your pets together with MORE THAN multi-pet insurance.

Our multi-pet insurance cover levels

Accident only

With our lowest level of cover your pets 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 pets 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 pets 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 pets 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

Defaqto award logo

MORE THAN pet insurance comes highly recommended

Our premier pet insurance has achieved a 5 Star Defaqto Rating* for another year. Cover your pets with one of the highest quality pet insurance offerings on the market.


Person sitting with pet cat and dog.

Save time and money with multi-pet insurance

Although more pets can be a handful, it doesn't mean your pet insurance needs to be.

  • Save money with a 10% discount for each pet you add to your policy
  • Add any new furry friends to an existing policy with the help of our friendly customer service team
  • Pick from our 4 different cover levels to give your pets the cover they need
  • Pay for all your pets’ insurance at the same time if you insure them together.

Ready to get a quote for multi-pet insurance?

So, why MORE THAN?

Not only will your pets benefit from our multi-pet insurance, you will too. Here's how:

A welcome discount

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

We do more

We offer 0% APR if you choose to pay for your pet insurance monthly and we have no hidden admin fees. 

We pay out 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. Excess applies.

Access to expert pet vet nurses

If you have any questions or concerns about your pets, you have freephone access to qualified veterinary nurses any time, any day with vetfone.

A woman holding the paws of a golden dog with a black and white cat stood between her legs.

The cost of multi-pet insurance

Because your pets are unique, we will give you a personal price for your multi-pet insurance. A few key things that will affect the cost of your insurance are your pets:
  • Vets: The cost of vet fees will affect your multi-pet insurance costs.
  • Age: It happens to the best of us. As your pets age, your multi-pet insurance cost will increase because they are more likely to get ill.***
  • Breed: The size and health of your pets will cause the amount you pay to vary.
  • Claims: A claim being paid can also cause your renewal price to increase.***

How to start your quote

We just need a few details about you and your pets before we can give you an insurance quote, for example:

About your pets

  • Names
  • Their gender
  • Breeds
  • Dates of birth
  • Whether they've been neutered/spayed.

About you

  • Name
  • Date of birth
  • Address
  • Date you'd like your policy to start
  • Contact details.

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

***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.