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 25% discount when they buy online.
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 at least 25% 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.
Here's our quick 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 25%% 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.
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.
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 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?
Pet insurance for a two-year-old Labrador Retriever in Milton Keynes will cost £232.58 on More Than's Premier policy. More Than's three other pet insurance policies will cost as follows:
- Accident Only £54.02
- Basic £115.16
- Classic £190.62
Remember that 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. Check out our article on the cost of dog insurance for more information on this. As such, the above prices should be taken as indicative only.
Find out how much your personal quote with a discount is by first joining our dog insurance group.
More Than pet insurance promo code, cashback and discounts
New customers can get a 25% 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.
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 pet insurance scores 2.5 out of 5 from over 80 reviews on Reviewcentre.com.
On Trustpilot, More Than scores 1 out of a possible 10 based on over 600 reviews, and over on Reviews.co.uk, the company has a score of 4.23 based on over 130 reviews. Bear in mind that the Trustpilot and Reviews.co.uk customer scores are based on the company as a whole, rather than just its pet insurance, meaning it may not be representative of its pet insurance product.
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.
What the Expert Reviews Say
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.