Key policy features
- Offers lifetime and accident-only cat and dog insurance
- Four levels of highly rated cover, with up to a £12,000 annual vet fees limit
- New customers can get a 40% discount when they buy online.
How Does More Than pet insurance compare to Bought By Many?
All Bought By Many policies are lifetime, which means the vet fee cover level resets every year you renew so it can cover ongoing illness and conditions throughout the lifetime of your pet.
In comparison, More Than has one lifetime policy called Premier with a vet fee cover limit of £12,000. This is less than Bought By Many's Complete policy which provides up to £15,000 of cover.
More Than has three other policies available which are less comprehensive than lifetime, they include: Accident Only, Basic and Classic.
At the time of writing, More Than offer new customers a 40% online discount when they first buy a policy. Such discounts are a great way for pet owners to save money when buying a new insurance policy but premiums can increase sharply after the first year when the introductory discount no longer applies.
Bought By Many do not offer introductory discounts and don't believe it is fair that existing customers should pay a different price to new customers who have enjoyed the benefit of a discount.
They do however provide a 15% Multi-pet discount compared to the 10% discount offered by More Than. Pet owners can choose Bought By Many's MoneyBack policy where they can get 20% of their pet insurance premium back if they don't claim in a policy year.
Bought By Many offer policies that can cover conditions that ended more than two years ago. They also have a policy that can cover conditions that have ended more recently.
More Than state that pet owners can take out cover if their pet has a pre-existing illness or receiving treatment after an accident, however that illness or accident will not be covered under the chosen policy.
Unlike More Than, Bought By Many does not have a preferred referral network of vets. You can claim for vet fees no matter which practice you choose to visit.
Insuring your pet with More Than, means that if they need veterinary treatment and you wish to claim, you will need to visit a vet practice in More Than's network. If you choose a vet from outside More Than's network, you will need to pay £200 of the referral vet bill yourself. This amount is in addition to your policy excess.
We've compared the top levels of cover that we and More Than offer. The table uses our Complete policy in comparison to More Than's Premier policy.
|Bought By Many||More Than|
|Highest vet fee cover||£15,000 (Lifetime)||12,000 (More Than Premier)|
|Access to free video vet appointments||Yes (24/7 video vet call through First Vet)||Vet helpline included in all four policy types|
|Claims waiting period is removed if you switch to the provider||Yes||No (14 day waiting period applies)|
|Lifetime cover||All policides||(More Than Premier)|
|Excess payable||Once per yer||per new claim|
|Multi-pet discount||15% discount for pets insured on the same policy||Yes - 10%|
|Cover for dental accidents and illness||Yes (Up to full vet fee limit)||Yes (for dental and complimentary treatment up to £1,000|
Overview of the cover provided by More Than Pet Insurance policies
For both dog insurance and cat insurance, More Than offers four policies: Accident Only, Basic, Classic and Premier.
Here's a guide to the four levels of cover:
- More Than Accident Only is the company's cheapest pet insurance policy. It will allow you to claim up to £2,5000 on your pet’s vet bills in the event of an accident, but note that illness is not covered. Claims are also restricted to a 12-month period.
- More Than Basic is a time-limited policy, with maximum claims per condition (injury or illness) of either £1,500 or £3,000.
- More Than Classic is a per-condition policy, with maximum claims per condition of either £4,000 or £8,000
- More Than Premier is a lifetime pet insurance policy. It's the most expensive policy, and therefore the most comprehensive. It offers the highest level of cover for vet bills (up to £4,000 or £12,000) and has a 5 Star rating from Defaqto.
All More Than policies offer cover for accidental damage (cats and dogs) and third-party liability (dogs only). Classic and Premier offer a number of additional features, including cover for: death from accident or illness, lost and found, and pets abroad. They also offer a multi-pet discount, on top of the 40%% discount for new customers buying online.
More Than this year introduced a referral vet network. The idea is that More Than signs up vets to its network to ensure they're providing quality care at competitive prices and to make sure they provide all the treatments you're entitled to through your insurance policy.
More Than will also be able to pay the vets directly for the treatment so you won't have to claim back costs. You can still visit your regular vet but if your dog or cat is referred for specific treatment you'll need to follow certain guidelines.
If your pet needs to be treated by a referral vet, your usual vet will let you know which referral vet from More Than's preferred referral vet network you should go to. If choose a vet from outside its network you will need to call them to let them know and you may have to pay £200 of the referral vet bill yourself. This amount is in addition to your policy excess.
There are over 50 vets in More Than's network and you can find where they're located on its website.
If your pet needs emergency treatment for a condition which could lead to loss of life or cause serious threat if not immediately treated; your pet can visit any vet and you will not have to pay the additional £200.
More Than has recently updated its policies to restrict cover for problems with a pet's cruciate ligaments. Their Accident Only policy does not cover any conditions related to cruciate ligament problems.
The rest of their policies cover cruciate ligaments but exclude all related claims, including those for an accident, within the first 14 days of the policy.
More Than pet policy excess
More Than charge an excess of £100, and you can choose a voluntary excess of 10% or 20% of the claim.
More Than pet insurance TV advert
In January 2019 More Than released a TV ad called Pet Got The Blues that captured the attention of British owners.
It stars a gnarled (CGI) Bloodhound who picks out a blues lick on a guitar and a cat giving it their all on a harmonica.
Watch the ad here:
The ad highlight's the vetfone service More Than offers as part of its pet cover. It should be noted that many other companies offer this or a similar services.
It's designed to give expert advice if you're concerned about your pet but does not replace a proper diagnosis from your vet.
How much does pet insurance from More Than cost?
The price of pet insurance will depend on a wide range of factors, including where you live, the breed of your pet, and which policy you choose.
Find out how much your quote is on the More Than pet insurance site.
More Than pet insurance promo code, cashback and discounts
New customers can get a 40% discount when they buy a policy online. They also offer a 10% multi-pet discount for pets insured on the same policy. More Than also offers cashback from a number of sites such as Quidco.
Bought By Many do not offer introductory discounts for new customers. They do provide a 15% Multi-pet discount for customers with more than pet and a Moneyback policy where customers can get 20% of their pet insurance premium back if they don't claim in a policy year.
What We Say
We believe More Than offers good value for money and a good range of options to choose from, which were both key reasons why we chose to work with them.
Its pet insurance is one of a number of brands underwritten by RSA, one of the world's largest insurance companies. (The other pet insurance brands RSA underwrites include John Lewis, Argos, Homebase, Tesco, M&S, and the RSPCA).
As with all RSA-backed pet insurance companies, pet insurance from More Than tends to be significantly cheaper if you live outside London and the South East of England.
How does More Than Pet Insurance compare with other pet insurance policies?
Consistently performing well in a number of independent reviews, there’s no doubt that More Than provides a good quality of service, while also offering competitive prices. See our articles on the Best Pet Insurance for Dogs and the Best Pet Insurance for Cats to see how More Than stacks up against the competition.