Whether you're new to MORE THAN or we already help protect your pet, you can receive 10% off with our multi-pet insurance for dogs and cats. Add up to 10 pets onto the same policy (add up to 3 pets to a new online insurance policy) to enjoy this discount.
We offer 4 different cover levels, from Accidents Only to Premier cover, so you can pick the best insurance for your pets.
We understand that your pets are more than just pets; they're part of the family. And as important members of the family, you want to make sure you protect them.
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 treatment for an accident or until the vet fees 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.
Also known as Time Limited. Your pets will be covered for accidents or illness for 12 months from the point of treatment or until the vet fees limit you have chosen 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.
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 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.
Also known as Lifetime. Your pets are 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.
£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.
Your price will increase at renewal, because as your pet gets older they're more likely to get ill. A claim being paid can also cause your renewal price to increase significantly. Your excess will increase when your pet turns 9.
Our pets can get themselves in to all sorts of scrapes out and about on their adventures. If your pets have been hurt in an accident, then you can claim up to £2,500 for up to 12 months from the first treatment date. 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.
Accidental Damage
If while you’re visiting someone else’s property your pets cause accidental damage to their personal property, then you can claim up to £500.
Third Party Liability
For dog owners, legal responsibility for injury to others or damage to someone's property lies with you. For that reason, we offer third party liability cover for up to £500,000 for added peace of mind. Exclusions apply.
Lost and Found
You can add Lost and Found cover so if your pets go missing, you can claim up £1,000 for advertising and up to £1,000 for a reward for their safe return.
What aren't my pets covered for?
The cover for an accident stops whenever the vet fees limit or time period is reached and any accident treatments are excluded from future claims.
Accidents occurring before or within the first 48 hours of your policy start date.
Any changes you or your vet notice in the health or behaviour of your pets before this policy started
Any treatment for any cruciate ligament (within the knee) problems however caused.
Other exclusions apply.
To make sure you choose the right level of cover for you and your pets, please read the full policy terms and conditions below:
At any time, just like us, our pets can fall ill or have an accident resulting in costly vet fees and treatment to get them back on their paws. You can claim up to £1,500 or £3,000 for each new medical condition for up to 12 months from the first treatment date. 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.
Accidental Damage
If while you’re visiting someone else’s property your pets cause accidental damage to their personal property, then you can claim up to £500.
Third Party Liability
For dog owners, legal responsibility for injury to others or damage to someone's property lies with you. For that reason, we offer third party liability cover for up to £1,000,000 for added peace of mind. Exclusions apply.
Lost and Found
You can add Lost and Found cover so if your pets go missing, you can claim up £1,000 for advertising and up to £1,000 for a reward for their safe return.
Emergency Boarding
If you fall ill and you're in hospital on medical advice for a period of more than 4 days in a row and no other member of your family is able to look after your pets, then you can claim up to £1,000 to cover the boarding costs for the whole of your hospital stay.
What aren't my pets covered for?
When claims for a medical condition have reached the vet fees limit then payments will stop for that condition and it is excluded from future claims.
Any changes you or your vet notice in the health or behaviour of your pets before this policy started.
Any illnesses occurring within the first 14 days of your cover start date.
Any accidents within the first 48 hours of your cover start date.
Any treatment for cruciate ligament (within the knee) problems within the first 14 days of your cover start date will not be covered.
Other exclusions apply
Will I have to pay more as my pets get older?
Cats and dogs, like humans, are more prone to illness and ailments as they get older. Your price will increase at renewal, because of this likelihood, a claim being paid can also cause your renewal price to increase significantly.
New developments in diagnosis and treatments have meant that vets can give them even better care, which is great news for your family pets, but means an increase in vet costs. Your excess will increase when your pets turn 9.
To make sure you choose the right level of cover for you and your pets, please read the full policy terms and conditions below:
At any time, just like us, our pets can fall ill or have an accident resulting in costly vet fees and treatment to get them back on their paws. You can claim up to £4,000 or £8,000 for each new medical condition with no time limit on a claim. 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.
Accidental Damage
If while you’re visiting someone else’s property your pets cause accidental damage to their personal property, then you can claim up to £1,000.
Third Party Liability
For dog owners, legal responsibility for injury to others or damage to someone's property lies with you. For that reason, we offer third party liability cover for up to £2,000,000 for added peace of mind. Exclusions apply.
Lost and Found
Lost and Found cover is included so if your pets go missing, you can claim up £1,000 for advertising and up to £1,000 for a reward for their safe return.
Emergency Boarding
If you fall ill and you're in hospital on medical advice for a period of more than 4 days in a row and no other member of your family is able to look after your pets, then you can claim up to £1,000 to cover the boarding costs for the whole of your hospital stay.
Pets Abroad
If you take your pets on holiday and they fall ill, we’ll cover the cost of vet care abroad in certain European countries up to the vet limit on your policy.
What isn't my pet covered for?
When claims for a medical condition have reached the vet fees limit then payments will stop for that condition and it is excluded from future claims.
Any changes you or your vet notice in the health or behaviour of your pet before this policy started.
Any illnesses occurring within the first 14 days of your cover start date.
Any accidents within the first 48 hours of your cover start date.
Any treatment for cruciate ligament (within the knee) problems within the first 14 days of your cover start date will not be covered.
Other exclusions apply
Will I have to pay more as my pets get older?
Cats and dogs, like humans, are more prone to illness and ailments as they get older. Your price will increase at renewal, because of this likelihood, a claim being paid can also cause your renewal price to increase significantly.
New developments in diagnosis and treatments have meant that vets can give them even better care, which is great news for your family pets, but means an increase in vet costs. Your excess will increase when your pets turn 9.
To make sure you choose the right level of cover for you and your pets, please read the full policy terms and conditions below:
At any time, just like us, our pets can fall ill or have an accident resulting in costly vet fees for treatment to get them back on their paws. With Premier, our lifetime policy, your pets are covered for injuries and illnesses (including one-off, reoccurring and ongoing) up to your chosen vet fees limits, as long as you renew each year and there’s no break in cover.
You can claim vet fees of up to £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, for each pet you insure.
Accidental Damage
If while you’re visiting someone else’s property your pets cause accidental damage to their personal property, then you can claim up to £2,000.
Third Party Liability
For dog owners, legal responsibility for injury to others or damage to someone's property lies with you. For that reason, we offer third party liability cover for up to £3,000,000 for added peace of mind. Exclusions apply.
Lost and Found
Lost and Found cover is included so if your pets go missing, you can claim up £1,000 for advertising and up to £1,000 for a reward for their safe return.
Emergency Boarding
If you fall ill and you're in hospital on medical advice for a period of more than 4 days in a row and no other member of your family is able to look after your pets, then you can claim up to £1,000 to cover the boarding costs for the whole of your hospital stay.
Pets Abroad
If you take your pets on holiday and they fall ill, we’ll cover the cost of vet care abroad in certain European countries up to the vet limit on your policy.
Treatment Food and Dental Care
If your pets should require special treatment food (excludes obesity and oral hygiene diets) or develops behavioural problems we provide cover for these often expensive treatments as well as dental care up £2,000.
What isn't my pet covered for?
When your claims have reached the vet fees limits (£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), you will have to pay the treatment bills yourself. We won’t put a time limit on how long treatment can last, and as long as you renew your policy and there's no break in cover, we reinstate your vet fees limits.
Any changes you or your vet notice in the health or behaviour of your pets before this policy started.
Any illnesses occurring within the first 14 days of your cover start date.
Any accidents within the first 48 hours of your cover start date.
Any treatment for cruciate ligament (within the knee) problems within the first 14 days of your cover start date will not be covered.
Other exclusions apply
Will I have to pay more as my pets get older?
Cats and dogs, like humans, are more prone to illness and ailments as they get older. Your price will increase at renewal, because of this likelihood, a claim being paid can also cause your renewal price to increase significantly.
New developments in diagnosis and treatments have meant that vets can give them even better care, which is great news for your family pets, but means an increase in vet costs. Your excess will increase when your pet turns 9.
As long as you renew your policy with us and there’s no break in cover, we reinstate your vet fees limits each year. So, if while insured with us, your pets start to develop an ongoing illness, like diabetes or arthritis, or a reoccurring illness like an ear infection, we don't put a time limit on how long treatment can last. You can continue to claim up to the injury or illness limit each year. If you shop around and try to switch providers, you’ll probably find that they won’t cover pre-existing illnesses and injuries (known as pre-existing conditions) and it can be harder to insure older dogs.
To make sure you choose the right level of cover for you and your pets, please read the full policy terms and conditions below:
Not only will your pets benefit from our multi-pet insurance, you will too. Here's how:
We do more
We offer 0% APR if you choose to pay for your pet insurance monthly and we have no hidden admin fees.
A welcome discount
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.
Access to expert pet vet nurses
If you have any questions or concerns about your cat, you have freephone access to qualified veterinary nurses any time, any day with vetfone.
Multiple discounts applied consecutively.
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:
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.
Vets
The cost of vet fees will affect your multi-pet insurance costs.
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.
Everything you need in one place.
Keep your pet insurance policies all in one place with our multi-pet insurance.
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
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
You must confirm you have never been declined pet insurance in the past, you must not breed from your pet or earn an income from your furry friend. Your dog must not be involved in racing, fighting or security as a guard dog.
MORE THAN is a trading name of Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).
