Menu We sell a policy every two minutes ^ Updates: Coronavirus help and support and changes to our travel and business products. Dog and puppy insurance 25% online discount for new customers Our Premier cover is 5 Star Defaqto rated* We pay out 9 out of 10 customers claims** We can pay your vet directly Subject to vet agreement, excess applies. Start a quote Retrieve my quote Keep tails wagging with MORE THAN dog and puppy insurance Be ready for the unexpected by covering your new puppy or dog with our pet insurance. When your canine companion is ill or injured, we can help with the vet costs and care that they need. Choose between our 4 cover levels to see what cover suits your puppy or dog. Dog insurance cover levels Accident only With our lowest level of cover your dog 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 dog 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 dog 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. Read more Read more Read more Vet fees limit £2,500 Vet fees limit £1,500 or £3,000 Vet fees limit £4,000 or £8,000 Third party liability (for dogs) Third party liability (for dogs) Third party liability (for dogs) Accidental damage Accidental damage Accidental damage Emergency boarding Emergency boarding Emergency boarding OPTIONAL Lost and found cover OPTIONAL Lost and found cover Lost and found cover Pets abroad cover OPTIONAL Pets abroad cover Pets abroad cover Complementary treatment cover Complementary treatment cover Complementary treatment cover OPTIONAL Farewell cover OPTIONAL Farewell cover OPTIONAL Farewell cover Read more Read more Read more Expect great cover with our dog and puppy insurance for when they need more... 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 our Basic, Classic and Premier 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 4 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 4 of our cover levels. Wider cover is available under Premier cover level. Award winning dog insurance We got top marks from Defaqto* again for giving your dog one of the highest quality offerings on the market. Why choose MORE THAN dog and puppy 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. New customer benefits If you're a new MORE THAN customer, you can enjoy a welcome 25% off online discount. Multiple discounts applied consecutively. 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. On average 91% of all claims are paid** 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. Round the clock vet care Puppies especially can find themselves in all sorts of mischief. That's why with every MORE THAN dog and puppy insurance policy, you'll get 24/7 access to vetfone. Vetfone is a freephone advice line to a national network of qualified vet nurses who are there to reassure you whenever you need it. Puppy-proof insurance for your new companion We've answered your top questions about puppy insurance Do I need puppy insurance? Welcoming a puppy home is an exciting time. There's so much that you need to focus on in those first few weeks, but don't let puppy insurance slip your mind. Puppies are mischievous and an accident or illness can happen when you least expect it. Our in-house vet, Martin, says the most common health issues your puppy could face in their first few years are joint problems, eating non-food articles, vomiting and diarrhoea, fractures and poisoning. MORE THAN pet claims data January 2019 to June 2021. If you don't insure your puppy, you'll need to pay the vet bills and you may not get cover for conditions that appear before getting insurance. To help you decide whether you want puppy insurance, start a quote to see what type of policy you can get and how much it will cost. How much cover does my puppy need? 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. In 2020, the ABI shared that the average cost of a dog or puppy related claim was £815. Would you be able to pay for that unexpectedly without the help of insurance? You can choose from 4 different cover levels with MORE THAN puppy insurance. So, if you want to cover your puppy against accidents only or illnesses as well, there's a cover level that’s right for you. Start a quote Vet costs, cover and claims If your puppy or dog needs a vet, it can be an expensive time. Dog insurance can help. Our in-house vet, Martin, has shared what accidents and illnesses our canine companions can experience throughout their lives****: "Rupture of the cruciate ligaments in the knees is one of the most common injuries we see claims for. These usually need surgery and the average cost of a claim is £2,891 based on 2,635 claims." "Epilepsy can affect dogs as well as humans. Daily treatment and regular testing to ensure medication is at the correct dose to control fits can result in an average cost of £1,319 based on 1,334 claims.” "Gastro-enteritis is a term that vets use to describe vomiting and diarrhoea. This is common as dogs will often eat things that may seem tasty to them but upset their digestive system. Your vet may choose to run tests and with these and treatment the average cost is £751 based on 2,964.” The cost of dog insurance Your dog is unique, which is why we give personalised quotes depending on your dog and their needs. There are a few things that will impact the cost of your insurance: Age: as your dog ages, they are more likely to get ill and get injured. This can affect the cost of their insurance. Breed: some dog breeds are more likely to get ill or an injury, which can cause your dog insurance cost to vary. Cover: MORE THAN dog insurance offers 4 different cover level options to choose from. The different options can vary in cost due to the level of cover given. Claims: if you need to make a claim on your dog insurance, your renewal price may increase as a result. How to start a dog 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 That you have had an insurance policy declared void or cancelled by an insurer. Ready to get a quote for dog insurance? Start a quote Retrieve my quote Save time and money with multi-pet insurance MORE THAN multi-pet insurance lets you cover two or more of your furry friends under the same policy. With multiple dogs at home, you've got better things to do than searching for different policies for each dog. You'll also receive a 10% discount for each dog you add to your multi-pet policy. Now that's worth wagging a tail for. Start a quote Frequently asked questions Does dog insurance cover neutering? Does the insurance cover old dogs? Will you insure my breed of dog? How will puppy insurance help? What is the youngest age I can get puppy insurance? How can I help keep my puppy healthy? Does puppy insurance cover vaccinations? What health issues affect puppies? What does ‘multiple discounts applied consecutively’ mean? Read more pet FAQs Useful guides Common dog illnesses and treatments 14 MINS READ Feeding your puppy 12 MINS READ Exercising your puppy 10 MINS READ Tips for grooming your dog at home 15 MINS READ Read our pet guides 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 ***Based on MORE THAN pet claims data January 2019 to June 2021 ****MORE THAN pet claims data 1 January 2018 to 28 April 2021. Back to top Pet insurance Dog and puppy insurance About us Who we are Privacy policy Cookie policy Security Legal Careers Press newsroom Make a complaint Latest news Help and support Contact us FAQs Make a claim Coronavirus FAQs Manage your policy Brexit FAQs Useful guides Find us Twitter Facebook YouTube You can manage the cookies we set on your computer/device in Manage cookies MORE THAN is a trading name of Royal & Sun Alliance Insurance Ltd, 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). ^ MORE THAN data: 1 January to 4 July 2021. We use cookies and similar technologies, which are usually small text files, to improve your experience on our website and to show you personalised content. You can allow all or manage them individually. Cookie Policy Manage cookies Allow all