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Policy Details

More Than Pet Insurance - Basic £3,000 Policy

Policy Details

Policy TypeVet Fees LimitExcess RangeContribution RangeMaximum AgeWaiting PeriodVet HelplinePay Vet DirectPrice Comparison SitesOnline DiscountMultiple Pet Discount
Time-Limited 12-Month £ 3,000 £75-£150 0-10% None 14 Days 10%9%


Whilst we have taken great care in ensuring the information below is accurate, we cannot be responsible for its accuracy and you must check all the details with the insurer before purchasing the policy.
The details below relate to the current policy available from the insurer. Terms for existing policies you have may be different.

  • Key Points
  • Complementary Therapy
  • Excess/Contribution
  • Older Pets
  • This policy will only pay vet fees for 12 months from the start of the condition. You will have to pay any costs incurred after this time.
    You can opt to pay a 10% of vet fees in return for a lower premium.
    There are no standard contribution payments for older pets but the excess doubles from £75 to £150 if your pet is 9 years old or more.

  • Complementary therapy cover includes

    Physiotherapy Hydrotherapy Acupuncture Osteotherapy Homeopathy Herbal Medicine Chiropractic Manipulation. The cover limit for complementary treatment is £500. This is included within your vet fees limit.

  • The standard excess is £75 per condition.
    If your pet is 9 or over when they have the excess will be £150.
    The excess for third party liability claims is £250.
    You can opt to pay a 10% of any claim (contribution payment) in return for a lower premium.

  • There is no upper age limit.
    The standard excess doubles from £75 to £150 per condition when your pet reaches 9 years old.
    There are no additional contribution payments for older pets.
    Death benefits for illness are only payable for pets under 9 years old.

Benefits Covered? Cover Limits
Additional Benefits

Third Party Public Liability

£ 1,000,000

Death/Loss Benefits

Accidental Death

£ 500

Death by Illness

£ 500

Lost or Stolen


£ 1,000

Emergency Care (Boarding Fees)

Boarding Kennels

£ 1,000

Daily Minding

£ 1,000

Overseas Travel

Vet Treatment Abroad


£ 3,000



£ 1,000

Loss of Documents


£ 250

Repeat Worming


Emergency Expenses


£ 1,000

Other Benefits



£ 1,000

Holiday Cancellation


£ 2,000

Accidental Damage

Behaviour Consultation


Referral Travel Cost

Checkout a Policy


Please note that pet insurance terms often change. Whilst we will do our best to keep this website up to date you must check with the appropriate insurer before making any decisions. If you find any mistakes on this website please do let us know so we can correct it for the benefit of future visitors. Many thanks!


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