Insurance & protection

Your Dog Insurance

5 Star Defaqto rated Premier Lifetime cover is provided with your MORE TH>N DOGGYSSENTI>LS Membership.

A summary of the cover included with your subscription is provided below.


Vet fee cover levels

The vet fee cover level is £4,000 on MORE TH>N Premier Lifetime Cover. For more on the vet fee cover level please download the policy wording available on the website. Please note you are not able to obtain your MORE TH>N DOGGYSSENTI>LS policy from the MORE TH>N website.


MORE TH>N are one of the few pet insurers to offer free calls 24/7, 365 days a year to their veterinary advice service vetfone, so you can rest assured help will always be at hand.

Third party liability

Third Party Liability Cover is important if you own a dog. If your dog causes death or injury to a person or loss/damage to property, MORE TH>N Premier Lifetime offers third party liability cover for dogs as standard, up to £3 million.

Kennel fees for your dog

If you’re unwell, a MORE TH>N Premier Lifetime pet policy pays towards the cost of kennel fees if you have to stay in hospital for longer than four consecutive days.

What does it cover?

MORE TH>N Premier Lifetime cover


Vet Fees up to £4,000
Treatment Period Each year
Accidental Damage up to £2,000
Third Party Liability (Dogs only) up to £3,000,000
Helpline - vetfone Yes
Death from Accident up to £2,000
Death from illness (under 9s only) up to £2,000
Emergency Boarding up to £1,000
Emergency Pet Minding up to £1,000
Complementary Treatments up to £1,500

Advertising up to £1,000
Reward up to £1,000
Loss by Theft or Straying up to £2,000

Extension of Vet Fee Cover Level to Europe up to £4,000
Emergency Expenses up to £1,000
Holiday Cancellation up to £2,000
Quarantine Costs up to £1,000
Loss of Health Care Certificate/Passport up to £250
For more information on MORE TH>N Premier Lifetime cover, please download the policy wording from Please note you are not able to obtain your MORE TH>N DOGGYSSENTI>LS policy from the MORE TH>N website.
Please note: we won’t be able to cover all breeds of dogs or may only be able to provide the Basic pet policy for certain breeds (instead of Premier Lifetime cover). If you’re unsure about your particular breed, or have any insurance related questions, please contact MORE TH>N on 03448 737 261.









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.