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Frequently asked questions

Got a question?

Find answers to MORE TH>N Pet Insurance's most frequently asked questions here.

Q. How long will you cover my pet for?

A. MORE TH>N offers a range of cat insurance and dog insurance products to suit your needs and budget. Premier covers your pet up to £4,000 or £12,000  per year for vets fees. For more information on Accident Only, Basic, Classic and Premier Pet Insurance, go to our insurance policy comparison page.

Q. Is my pet's dental treatment covered?

A. Premier Pet Insurance covers dental care up to £2,000 as standard. Your pet will have to have their teeth checked in the 12 months before the condition that you are claiming for started and had any recommended treatment carried out.

For our other cover options please go to our insurance policy comparison page.

Q. Do I have to keep my pet vaccinated?

A. You must have your pet vaccinated, as stated in the policy wording. If your pet is not vaccinated, we will not pay any claims that result from any illnesses that the pet should have been vaccinated against.

Q. Am I covered for the cost of my vet bills?

A. MORE TH>N offers four types of pet insurance for your cats and dogs, all of which give cover for veterinary fees, ranging from accidents to illness cover. For more information go to our insurance policy comparison page.

Q. Are there any breeds of dog that you do not insure?

A. We do not insure the following dogs (whether pedigree, cross-breed or mixed breed):

The 'types' of dogs that should be registered under the Dangerous Dogs Act 1991 and the Dangerous Dogs (Northern Ireland) Order 1991 or any subsequent amendments:

  • Pit Bull Terrier 
  • Japanese Tosa 
  • Dogo Argentino 
  • Fila Braziliero

We do not cover:

  • Wolf or wolf hybrid 
  • Fighting dogs 
  • Guard or security dogs 
  • Dogs used for racing 
  • Dogs used in connection with any profession, occupation or business 
  • Dogs used for breeding

Please note that there may be other breeds that we do not insure that are not listed here. If you are trying to get a quote and the breed is not listed, please call a MORE TH>N customer manager on 0800 316 8054 and we can see if we can provide you with a quotation.

Or visit our dog insurance page for more information.

Q. Do you provide discounts for more than one pet?

A. We'll give you a 10 percent multi-pet discount for each pet you insure with us plus a 15 percent online discount. Discounts calculated consecutively.

Q. Does any money go back to the charity?

A. Yes. For each policy sold, MORE TH>N will donate £20** to the RSPCA for the care of unwanted and neglected animals in England and Wales. For each Accident Only policy sold, £10 will be donated to the RSPCA**.

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The RSPCA is an Introducer Appointed Representative of Royal & Sun Alliance Insurance plc. MORE TH>N Pet Insurance is administered and underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
**Donations paid to RSPCA Trading Limited which is a trading subsidiary of the Royal Society for the Prevention of Cruelty to Animals (charity no. 219099) and pays all its profits to the charity.

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