Review: More Than Pet Insurance

Ronny Lavie By Ronny Lavie

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
  • Get at least 20% off More Than's cover by joining our free pet insurance group

In Summary

More Than's pet insurance is ranked highly by Which? magazine and Defaqto (an independent researcher of financial products). Its Premier policy also features in our top 10 dog and cat insurance policies.

Its customer satisfaction ratings suggest it places emphasis on service and quality.

Follow this link to get a quote at More Than's website, or join our pet insurance group to get up to a 28% discount on More Than cover.

More Than has recently updated its website to make its quote process more mobile friendly.

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.

More Than has produced this 90 second video to help explain how its pet cover works:

Here's our quick guide to the four levels of cover:

  • More Than Accident Only is their 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, which could bump your discount to 28% if you are insuring more than one pet after joining our group.

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.

If your pet needs emergency treatment for a situation that if not resolved immediately will lead to a loss of life or cause a serious threat to the present or ongoing health of your pet you can visit any vet and you will not have to pay the additional £200.

There are over 50 vets in More Than's network and you can find where they're located on its website.

More Than has recently updated its policies to exclude cover for problems with a pet's cruciate ligaments.

How much does pet insurance from More Than cost?

The cost of pet insurance varies widely depending on factors such as the age and breed of your pet, and which part of the UK you live in. But to give you an indication, we obtained the following quotes from More Than in June 2016:

  • 5-year-old, medium sized, mixed breed dog in Milton Keynes: £429.02 per year (Premier), £317.57 per year (Classic), £206.10 per year (Basic), £66.32 per year (Accident only)
  • 5-year-old, healthy Labrador Retriever in Milton Keynes: £553.40 per year (Premier), £416.02 per year (Classic), £264.50 per year (Basic), £63.22 per year (Accident only)
  • 5-year-old, healthy mixed breed cat (moggy) in Milton Keynes: £234.84 per year (Premier), £169.94 per year (Classic), £114.10 per year (Basic), £61.33 per year (Accident only)

More Than said that 10% of new customers between December 2015 and May 2016 paid from £9 a month.

Find out how much your personal quote with a discount is by first joining our pet insurance group.

Learn more about the cost of pet insurance.

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.

What do More Than Pet Insurance Customers Say?

More Than scores 2.5 out of 5 from 77 reviews on Reviewcentre.com.

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, whilst 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.

What the Expert Reviews Say

More Than dog insurance

Independent financial researcher Defaqto has rated More Than's Premier 12,000 and Classic 8,000 policy as 5 Star.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 5 Star rated policy has “an excellent product with a comprehensive range of features and benefits”.

More Than cat insurance

Defaqto has rated More Than's Premier 12,000 and Classic 8,000 policy as 5 Star.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 5 Star rated policy has “an excellent product with a comprehensive range of features and benefits”.

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