Dog insurance
24 hour vet advice via phone or video call with FirstVet
Do you have pet insurance with us?
Visit our existing customer page to find out how to make changes to your policy. You can also read our FAQs for answers to key questions.
Dog insurance to suit your pet
Our dog insurance is here to help.
Choice of vet fee limits
Choose a vet fee limit to suit you, with different amounts for each cover level.
Help with medication costs
Your cover includes the cost of vet prescribed medication.
Physiotherapy and more
We'll cover treatments such as physiotherapy and homeopathy when recommended by a vet.
We can settle most vet bills directly
Saving you the hassle and expense of upfront payments. Subject to vet agreement. Excess applies.
Why it's worth getting dog insurance
Choose from our 3 cover levels
Basic, also known as Time Limited:
- Covers for each new accident or illness within a defined period
- This will be for 12 months from either the first clinical signs or first treatment until the vet fee limit is reached whichever happens first
Classic, also known as Maximum Benefit:
- Covers vet fees up to your chosen vet fee limit for each new accident or illness
- If you renew your policy without a break in cover, there is no time limit in which you can use your vet fee limit
Premier, also known as Lifetime cover:
- Covers vet fees up to your chosen limit
- If you renew your policy without a break in cover, the vet fee limit resets each year
Compare our dog insurance cover levels
Basic (Time Limited) |
Classic (Maximum Benefit) |
Premier (Lifetime) |
Vet fees limit |
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Vet fees limit |
Vet fees limit |
Vet fees limit |
Vet fees limit |
Accident cover |
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Accident cover |
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Illness cover |
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Illness cover |
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Third party liability (for dogs) |
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Third party liability (for dogs) |
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Accidental damage |
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Accidental damage |
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Dental – Accident only |
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Dental – Accident only |
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Dental – Accident and Illness* |
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Dental – Accident and Illness* |
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Emergency boarding |
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Emergency boarding |
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Lost and found cover |
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Lost and found cover |
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Pets abroad cover |
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Pets abroad cover |
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Complementary treatment cover |
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Complementary treatment cover |
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Farewell cover |
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Farewell cover |
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*Dental care up to £2,000. Your dog must have a dental check every 12 months.
After your dog has had their first check and any necessary work has been completed, we pay for treatment for tooth decay or gum disease that occurs before the next 12-month check or at the time of the next check.
- For teeth or gums that have been damaged in an accident
- If an underlying illness causes tooth decay or gum disease
- To remove teeth to treat an illness that is not gum disease or tooth decay
Getting your dog insurance quote
We just need a few details about you and your dog or puppy. This includes both your names, age and address, plus the following:
About your dog or puppy
- Breed
- 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
Personal information
- 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
- If you have had an insurance policy declared void or cancelled by an insurer
Experts rate our Premier insurance
Defaqto** has awarded our pet insurance a 5 Star Rating. Proving that we offer one of the highest quality options available for your furry friend.
15% discount for additional dogs
If you have more than one dog at home, you could save time and money by insuring them on the same policy. With our multi-pet policy you'll receive a 15% discount for each dog you insure
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 suffer an injury, which can cause your dog insurance cost to vary
- Cover: MORE THAN dog insurance offers 3 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
No - MORE THAN dog insurance does not cover neutering or spaying.
Yes, there are no upper age limits on dogs.
Pet insurance for pets over 9 can be more expensive. Like us, as pets get older, sadly they're more likely to get ill.
We insure a very wide range of dog breeds. If your dog's breed is on our breed list we will be able to provide cover.
You will not find any pedigree, cross, or mixed breed of any of the following as we do not insure them:
- Pit Bull (including all derivatives such as XL Bully, Bully, and pocket Bully)
- Pit Bull type
- Japanese Tosa
- Fila Brazileiro
- Dogo Argentino
- Wolf or Wolf hybrid
If you have a cross or mixed breed dog, please check that all the mixes or both crosses are on our breed list. If you can't find them, please contact us to check whether we can cover your pet.
For any other breed that you can't see listed, please ask us as without our agreement you will not have cover.
You can insure your puppy from 8 weeks old.
No, dog and puppy insurance do not cover vaccinations. Our helpful vaccination guide explains vaccinations and how to pay for them.
When buying a pet insurance policy, you might qualify for more than one of our discounts. You do not need to do anything; we will apply any discounts from your final quote automatically.
*Consecutively means we will apply the discounts one at a time.
You can still get pet insurance with MORE THAN, but it will not cover pre-existing conditions. These are health concerns that were present before you took out a policy. By 'present', we mean that you or your vet were aware of or treated the health concern, which could be an illness or injury. This includes noticing symptoms.
Your renewal price may increase each year, and your co-insurance amount will be applied at the renewal following your pets 9th birthday. If a claim is paid, the price you will pay next year can double. There is no limit to how much your reneweal price can increase.
** Our Defaqto Rating applies to Premier £1,000, £2,000, £4,000 and £6,000, and Classic £8,000