More Than Pet Insurance

More Than Pet Insurance Made Easy!

Comprehensive pet insurance for dogs and cats is available from More Than, and it is underwritten by Royal & Sun Alliance Ltd. To meet different needs, they provide a variety of cover options. Their lifetime insurance is particularly adaptable. In order to ensure that costs for one condition are handled independently of those for other conditions, each insured condition has its own yearly limit. By using this method, the overall limit isn’t reached, which could be needed for future treatments that aren’t tied to the current condition.

To accommodate varying coverage levels and financial preferences, More Than Pet Insurance also provides time-limited coverage, an accident-only policy, and per-condition (sometimes known as “max benefit”) policies. Their insurance policies are designed to give pet owners peace of mind by efficiently covering veterinary expenditures, freeing them up to concentrate on their pet’s health without worrying about money.

Types of Coverages:

For pet owners, selecting pet insurance can be a crucial decision that guarantees their furry friends receive the finest care possible without breaking the bank. From dogs and puppies to cats and kittens, and even multi-pet families, More Than Pet provides a variety of choices designed to meet a variety of needs.

· Dog Insurance:

There are three primary coverage tiers offered by More Than Pet for dog owners: Basic, Classic, and Premier. These choices meet a range of needs and budgets. In most cases, the Basic plan provides an initial level of protection by covering essentials like accidents and some diseases. By upgrading to the Classic plan, you can receive potential extra benefits like dental or behavioural therapy, as well as coverage for more ailments.

The highest level of coverage is provided by the Premier plan, which frequently includes extras like wellness assessments prescription diets, and coverage for inherited illnesses. With this comprehensive plan, you can be certain that your dog will receive the best possible care.

· Cat Insurance:

Similar options are available for cat owners through More Than Pet. Typically, accidents and illnesses that may arise during the cat’s life are covered by their insurance coverage. Having this coverage is crucial so that you can continue to provide your furry buddy with the care they need without worrying about unforeseen medical expenses.

· Multiple Pet Insurance:

Furthermore, More Than Pet is aware that a lot of households have more than one pet. They provide multi-pet insurance coverage for these pet owners, enabling you to insure every pet under a single policy. This choice makes management easier and guarantees uniform coverage for all of your pets, whether they are cats, dogs, or both.

Is Pet Insurance Necessary For My Indoor Pet?

Pet insurance is still a smart purchase, even though your indoor cat, who spends most of the day snoozing on your bed, might not seem to require it. Indoor pets have a lesser chance of harm than outdoor cats or active dogs, but they are not immune to health problems. Unexpected illnesses, long-term ailments, and urgent situations can occur, resulting in high veterinarian expenses.

Cats kept indoors, for example, may experience dental problems, kidney illness, diabetes, or urinary tract infections. Pets can receive injuries from mishaps in the house or swallow dangerous materials, so even indoor situations pose some risk. By ensuring your pet receives the treatment they require without breaking the bank, pet insurance can help lessen the financial strain of these unforeseen medical bills.

Coverages Options:

To meet the demands and interests of pet owners with varying budgets and lifestyles, More Than Pet provides three different levels of coverage: Basic (time-limited), Classic (Maximum Benefit), and Premier (Lifetime).

· Basic (Time Limited)

The most standard option is Basic (Time Limited), which offers essential coverage with limits of £1,500 or £3,000 per accident or illness. While this plan does cover medical expenses in the event of an accident or illness, it also covers damage to third parties, emergency boarding, or third-party responsibility.

Dental care is solely covered in the event of an accident; no additional services or farewell coverage are offered. If you plan on taking your pet on a trip, you might want to consider purchasing the optional pets abroad cover. Those looking for a simple, affordable, and basic plan for their pets will get what they need with this one.

· Classic (Maximum Benefit):

A middle ground is provided by Classic (Maximum Benefit), which has greater vet fee limitations of up to £4,000 or £8,000 for any accident or illness. Aside from providing third-party liability and accidental damage coverage, this level also covers accidents and sickness. Dental coverage for accidents is covered, but dental illnesses are not.

Additional coverages including emergency boarding, pets abroad coverage, lost and found coverage, and supplementary treatment coverage are available with the Classic plan. Those seeking more extensive protection without going for the top tier will find this plan to be a decent compromise between cost and comprehensive coverage.

· Premier (Lifetime) Coverage:

Annual limitations for vet fees can be as high as £1,000, £2,000, £4,000, or £6,000 per accident or illness with Premier (Lifetime) coverage, the most comprehensive option. Any dental problems that may arise as a result of an accident or illness are also covered by this plan.

Insurance for third parties, unintentional damage, emergency boarding, pets abroad, supplementary treatments, farewell, and lost and found are all available. The Premier plan is perfect for people looking for the maximum level of security and flexibility because of its lifetime limitations on vet bills, which guarantee continued support for chronic and long-term diseases.

Are My Pets Covered If They Are Ill Before I Had Insurance?

Your plan will not cover a pre-existing condition if your pet was unwell before you obtained insurance. Insurance is still available for pets with pre-existing problems, but it will not cover illnesses or symptoms that existed prior to coverage. Bilateral disorders that impact both sides of the body, such as hip dysplasia, might make this challenging.

For example, if your dog had hip dysplasia in its right hip prior to obtaining insurance, the same issue in its left hip, if discovered later, usually won’t be covered. Pre-existing conditions are frequently applied to bilateral conditions. You might also have to present proof that the new conditions are unrelated to the pre-existing ones. Insurance companies routinely deny claims for new diagnoses in pets with pre-existing diseases, according to a lot of pet parents.

Why Should You Get More Than Insurance for Your Pet?

· Three Levels of Cover:

To make sure you discover the right plan for your needs, More Than Pet Insurance provides three different levels of comprehensive pet insurance for cats and dogs. You can choose the level of coverage that best suits your pet’s needs and your budget from their essential to extensive options.

· 24/7 Vetfone Service:

You can reach licensed veterinary nurses at any hour of the day or night using their Vetfone service. No matter the time of day or night, a professional is available by freephone or video call to provide guidance or comfort. You may rest easy knowing that this service will be there for you in the event of any emergency involving your pet’s health.

· Easy Claims Processing:

Filing a claim is a breeze with more than pet insurance. Based on data from MORE THAN claims from December 2022 to November 2023, they pay out 9 out of 10 customer claims. They have a proven track record of successfully handling unexpected expenses, allowing you to prioritize the well-being of your pet.

· Multi-Pet Discount:

Insuring numerous pets on a single policy can save you money. They provide a 10% discount for each extra pet, with discounts applied in sequence. With this perk, you can save money while still giving your pets the protection they need.

Dental Care:

If your pet has a dental check-up once a year, More Than will pay up to £2,000 for any procedures connected to gum disease or tooth decay. If your pet develops cavities or gum disease between your pet’s first check and the following yearly check, or if the treatment is required at the time of the next check, it will be covered. The strategy, however, does not address:

• Dental injuries sustained in a car crash.
• Gum disease or tooth decay brought on by a more serious medical condition.
• The removal of teeth to cure diseases that are not connected to gum disease or tooth decay.

Maintaining regular dental check-ups and swiftly addressing any concerns is vital to ensure complete coverage.

How Much Do Vet Fees Cost?

Pet owners must be well-informed about the expenses associated with veterinarian care. Here are the typical claims values for common conditions in dogs and cats, including excess, based on data from MORE THAN from January 1, 2022, to December 31, 2023.

The Most Common Dog Illnesses:

• The average claim for lameness is £1,005 because the condition typically necessitates extensive testing and treatments.
• The average claim for dietary demands or stomach disorders is £107.
• The average claim for poisoning is £572, and the treatment can be lengthy and expensive.

Cat Common Illnesses:

• An average claim of £1,173 is incurred due to hyperthyroidism, a frequent illness in cats, which requires continuing medication and monitoring.
• Cats, like dogs, might incur an average claim cost of £143 due to gastrointestinal problems or specific nutritional requirements.
• Pet euthanasia costs an average of £161 due to the compassionate decision to end a life of pain and suffering.

These numbers show how expensive typical pet health problems may be, highlighting the need of having comprehensive pet insurance to cover unforeseen expenses like these.

Ways to Lower the Cost of Pet Insurance Premiums:

1. Opt for Annual Payments:

There may be financial benefits when you decide to pay your More Than Pet insurance payment annually as opposed to monthly. Policyholders who pay in full can receive discounts from many insurers, which can lower their overall premium cost by cutting down on administrative costs.

2. Maintain a Healthy Lifestyle for Your Pet:

A balanced diet, vaccines, and routine veterinary check-ups can all dramatically reduce the risk of costly medical conditions. Pets that have a history of preventive care may get lower premiums or extra perks from their insurance companies. This is because they are less likely to have health problems.

3. Take Advantage of Multi-Pet Discounts:

Consider registering all of your pets with one insurance company to take advantage of multi-pet savings if you have more than one pet that needs coverage. Combining premiums into a single insurance not only makes management easier but also lowers expenses.

4. Examine Coverage Every Year:

Consider reviewing your More Than Pet insurance coverage every year as your pet gets older or your circumstances change (such as moving to a place with different veterinarian costs). By doing this, you can make sure your policy still meets your pet’s needs and avoid paying too much for coverage that isn’t needed or underinsuring your pet’s medical costs.

5. Consider a Greater Deductible:

Choosing a greater deductible will result in a cheaper premium. A deductible is the amount of money you have to pay out of pocket before your insurance starts to pay for things. It usually leads to reduced monthly charges, but it entails more money upfront if your pet needs medical treatment.

6. Compare Insurance Providers:

Look around and evaluate policies offered by various insurers to discover the best coverage at a reasonable cost. Consider coverage limitations, restrictions, and customer reviews in addition to premium costs to make sure you choose a trustworthy insurer that can fulfil your pet’s unique medical needs.

Frequently Asked Questions

Can I Insure Exotic Pets Or Animals Other Than Cats And Dogs?

Exotic pets including birds, reptiles, and small animals are covered by some insurance. But you might not have as many choices as with standard pets like cats and dogs. To find out more about the precise coverage terms, look into insurers who specialize in exotic pet insurance.

Does Wellness And Regular Treatment Get Covered By Pet Insurance?

Routine care, like as yearly check-ups, dental cleanings, and vaccinations, may be optionally covered by certain pet insurance plans. Typically, this coverage can be purchased as an additional supplement to the main policy and is subject to a premium increase.

Do Pet Insurance Policies Have Lifetime Limits?

Some pet insurance plans do have limits on how much they will pay for vet bills each year or over the course of a pet’s life. Annual limits are updated annually, while lifetime limitations set a maximum amount that the insurance will cover for the duration of your pet’s life. When selecting a policy, make sure you are aware of these restrictions.

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