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More Than offers a wide variety of pet insurance products for dogs and cats living in the UK. While More Than's £12k Premier Lifetime Plans, in particular, offers decent value, pet owners should be aware of the strict, shorter-than-average 60-day time limit for notifying More Than of a claim (or 31 days, depending on how you read the terms).
Choosing the best policy for you and your dog or cat will depend on your individual situation. You may also like to look at our article, Best Pet Insurance, for other pet insurance options with features such as a longer 12-month claims windows, for example PetPlan, Tesco and John Lewis.
In This Review
- Overall Review
- Policy and Coverage Options
- Customer Experience Ratings
- Comparing More Than to the Competition
More Than Pet Insurance Key Points
- Choose from 4 types of policies (Accident Only, Time Limited, Max Benefit and Lifetime)
- 25% online discount
- Euthanasia cover
- New policies open to older pets
- Dental care only covered on Lifetime Premier policies
- Shorter time to notify More Than of claims (60 days—more detail below)
- Excess increases for pets aged 9+ (+ 20% copay)
More Than Pet Insurance Review
More Than pet insurance offers good value for money, especially for premier plans with more than £10k of vet cover. But we only recommend it for organized pet owners as you must notify More Than within 60 days of a claim occurring (or, confusingly, 31 days of a vet advising treatment), or it won't be paid.
many coverage options across the 4 types of pet insurance, which we try to clarify here. Be sure to understand the ins and outs of a policy before you sign up, to get the best protection for you and your pet—even if he is older pets.
Time Limit to Claim: More Than policyholders must be on top of admin. More Than must be notified within only 31 days of the vet advising that treatment is needed and not later than 60 days after treatment starts. We find this very confusing—treatment starts after a vet recommends it, so surely a claim would always fall in the first bucket, needing notification within 31 days of the vet recommendation? Anyway, if you have not told More Than about a claim within 60 days of it occurring, they will not pay the claim. Vet bills that are 12 months old or older not submitted to More Than will not be paid. Claims are not covered if they result from an accident within the first 48 hours or any changes in your pet's health (e.g., illness) within the first 14 days.
Excess: More Than pet insurance has recently made a number of policy changes to the excess you must pay toward claims. It seems that now the standard, compulsory excess is £100 for younger pets. Once your pet reaches 9 years of age, you'll be required to pay more—£100 plus 20% of the remaining vet bill.
More Than Vet Referral Network: If your vet refers you to another vet for specialist treatment (e.g., ophthalmology, orthopaedics, cardiology, etc.), and the referral vet is not in More Than's "preferred referral network" of vets, you will pay an additional £200 excess on top of your standard excess. (They won't make you pay the £200 for out-of-network emergency treatment necessary to prevent loss of life or a serious threat to the present or ongoing health of your pet.)
Currently, there are 58 vet practices with the network, scattered around the UK. You can view a list and interactive map of the network vets here. To contact More Than to enquire about the vet referral network, call 0330 100 6445.
More Than Insurance for Older Pets: More Than will accept dogs and cats of any age onto a new pet insurance policy; there is no maximum age after which your pet cannot get insurance. However, expect that premiums will be higher for older pets. Cover does change for "older" pets, aged 9+ years. However, the excess for "older" pet vet claims increases from just a fixed £100 up to £100 plus 20% of the remaining vet bill. In addition, Death from Illness claims are not covered for older pets. (Death from Accident claims, part of the Basic, Classic and Premier products, are still covered for older pets.)
Changes to Cover for Older Pets (aged 9+)
- Excess becomes £100 plus 20% of the remaining vet bill
- Death from Illness claims not covered
More Than Quote Comparison
As you can see in the following chart, More Than prices are more or less in line with market averages—although their Accident Only plan comes out more expensive than average. In order to get a rough idea of the relative value of More Than prices, we compared sample More Than quotes to the average cost of pet insurance in the market. Since coverage varies significantly by type of policy (e.g., accident only, lifetime, etc.) we segmented the data by policy type. Use this information to get a feel for the types of premium you can expect for a given level of vet cover and excess amount.
Quotes below were gathered for a 6-month-old, male crossbreed dog. Quotes for older pets or certain breeds (e.g., Bulldogs), for instance, would come up higher.
|Policy Type||Annual Premium||Vet Cover||Excess||Value Ratio = Vet Limit/(Annual Premium + Excess)|
More Than Notable Features
Here is a brief overview of the notable features of More Than dog and cat insurance. For a complete rundown of the details and exclusions, please refer to the policy documents.
|More Than Pet Insurance Standard Features|
|Complementary Therapy||Acupuncture, homeopathy, herbal medicine, Chiropractic manipulation, osteopathy and hydrotherapy (performed by a recognised party)|
|Excess||Can lower premiums by adding a 10% or 20% contribution to all vet bills, in addition to the standard, fixed excess|
|Vetfone||Pet owners can call the More Than vetfone to speak with a qualified RCVS veterinary nurse, 24/7 (More Than vetfone phone number: 0800 072 8190)|
|Emergency Boarding||Cover for boarding or sitting if you or a member of your family are unwell and stay in hospital more than 4 days|
More Than Optional Features
|More Than Pet Insurance Optional Features|
|Lost and Found||Cover of advertising and reward up to £1,000 each, or loss by theft or straying up to £1.000 or £2,000|
|Pets Abroad||Cover if your holiday is canceled or cut short due to your pet dying, being put to sleep or needing life-saving treatment (within 7 days of departure, for holiday cancellation)|
|Farewell||Cover up to £150 for euthanasia, cremation, burial|
|Dental||Cover for dental conditions is only provided on the lifetime Premier plan, with the condition that your pet had a dental exam by a vet in the 12 months leading up to the injury/illness and you followed the recommendations of your vet. There is no dental cover on the Accident Only, Basic or Classic plans.|
Types of More Than Policies
More Than offers all four types of pet insurance—Accident Only, Time Limited, Maximum Benefit and Lifetime. Accident Only policies won't reimburse for any vet bills associated with illnesses (e.g., skin rashes, digestive trouble, ear infections, tumours, etc.), providing the lowest level of cover. Lifetime policies are the most comprehensive—as well as providing the highest levels of cover, reimbursement of specific ailments is not subject to a time limit or a per-condition limit (there is an annual limit, however, which resets each year).
The most basic of More Than's pet insurance options, Accident Only insurance reimburses for up to 12 months of treatment costs when your pet is injured, up to the policy limit of £2,500. The policy must remain valid for claims to be accepted, meaning you may need to renew the policy if your pet is still being treated for accident-related injuries when your policy ends (assuming you have not hit the 12-month or £ limit caps).
Cruciate ligament problems, however caused, are not covered on the Accident Only product.
Basic (a Time Limited Product)
More Than's Basic pet insurance will cover each new condition (illness or injury) for up to 12 months, up to a £ limit—your choice of either £1,500 or £3,000. Broadly speaking, Time Limited cover like the Basic policy is less robust than Maximum Benefit or Lifetime cover, because ongoing or chronic issues won't be reimbursable after one year of treatment.
Policyholders pay the excess once per ailment. If the same claim continues across multiple periods of cover, the excess is not collected again.
Basic policyholders can opt to purchase Lost and Found, Pets Abroad and/or Farewell cover as extras. Pets Abroad cover is necessary for vet fees claimed outside the UK, Isle of Man and the Channel Islands.
Classic (a Maximum Benefit Product)
More Than's Maximum Benefit Classic offering will reimburse up to £4,000 or £8,000 (your choice) per condition. As long as the policy stays in force (i.e., you keep renewing) there is no time limit for treatment. Once the limit for a condition has been reached, it is excluded from future claims.
Like the Basic policy, you only pay the excess once per ailment—if a claim continues into a subsequent period of cover you don't pay the excess again.
Lost and Found and Pets Abroad cover are included as standard; Farewell cover can be purchases as optional cover for roughly £10 per year.
Premier (a Lifetime Product)
The most comprehensive product, More Than's Premier offering imposes no per condition limits or treatment time limits—instead, there is a per year £ limit that resets every year. For example, with a £4,000 Premier policy, you can be covered for up to £4,000 of vet bills each year.
The excess works differently for the Premier product and you might pay an excess more than once for a given illness or injury. Like other Lifetime policies, you pay the excess for each condition in each period of cover. While lifetime policies generally provide the highest level of cover (e.g., highest £ limits that reset each year, with no limit on treatment times), pet owners should be prepared to pay the excess each year for ongoing conditions.
More Than Coverage Amounts
|Accident Only||Basic (Time Limited)||Classic (Max Benefit)||Premier (Lifetime)|
|Vet Fees up to||£2,500||£1,500 or £3,000||£4,000 or £8,000||£4,000 or £12,000|
|Treatment Period||12 months||12 months||Each condition||Each year|
|Vet Fees Include:|
|• Complementary Treatments up to||n/a||£500||£1,000||£1,500|
|• Behavioural Problems up to||n/a||n/a||n/a||£1,000|
|• Dental Care up to||n/a||n/a||n/a||£2,000|
|• Treatment Food up to||n/a||n/a||n/a||£500|
|Accidental Damage up to||£500||£500||£1,000||£2,000|
|Third Party Liability (Dogs only) up to||£500,000||£1,000,000||£2,000,000||£3,000,000|
|Helpline – vetfone||Yes||Yes||Yes||Yes|
|Death from Accident up to||n/a||£500||£1,000||£2,000|
|Death from illness (under 9s only) up to||n/a||£500||£1,000||£2,000|
|Emergency Boarding up to||n/a||£1,000||£1,000||£1,000|
|Emergency Pet Minding up to||n/a||£1,000||£1,000||£1,000|
|LOST AND FOUND COVER||OPTIONAL||OPTIONAL||INCLUDED||INCLUDED|
|Advertising up to||£1,000||£1,000||£1,000||£1,000|
|Reward up to||£1,000||£1,000||£1,000||£1,000|
|Loss by Theft or Straying up to||£1,000||£1,000||£1,000||£2,000|
|PETS ABROAD COVER||n/a||OPTIONAL||INCLUDED||INCLUDED|
|European Vet Fees Cover, extension of Vet Fees up to||n/a||£1,500 or £3,000||£4,000 or £8,000||£4,000 or £12,000|
|Emergency Expenses up to||n/a||£1,000||£1,000||£1,000|
|Holiday Cancellation up to||n/a||£2,000||£2,000||£2,000|
|Quarantine Costs up to||n/a||£1,000||£1,000||£1,000|
|Loss of Health Care Certificate/Passport up to||n/a||£250||£250||£250|
|Euthanasia/Cremation/Burial up to||£150||£150||£150||£200|
Customer Experience Ratings
User reviews for More Than insurance (not pet insurance, specifically) are quite varied.
The reviews.co.uk website shows a solid 4.09 out of 5 star rating from 138 reviews; 80% of reviewers would recommend More Than.
In stark contrast, More Than insurance received only 1 out of 5 stars on Trust Pilot. After looking through the reviews, we noticed that most of the recent negative reviews related to the black box for car insurance, not pet insurance.
How does More Than Pet Insurance Compare to Competitors?
To better understand the value of More Than Pet Insurance you need to look at it in the context of other available options. We compared this insurer to other similar insurers so you can see which may be more suitable for you.
More Than Pet Insurance vs PetPlan
PetPlan Pet Insurance is the largest insurer of dogs and cats in the UK. Due to this, many vets are accustomed to submitting claims on behalf of pet owners, which can save you a lot of hassle—plus you get a full 12 months to submit claims for reimbursement. PetPlan policies include dental illness and injury but don't cover euthanasia. However, older pets (i.e., dogs aged 5 or 8 depending on breed, cats aged 10) are not eligible for new Lifetime policies and can only sign up for a Time Limited policy.
Quick Takeaway: More Than's Premier Plan offers better value than PetPlan's top-tier plan, especially in the first year with the 25% online discount (you may save £100 or more with More Than), but if you want more time to claim then PetPlan gives much more breathing room.
More Than Pet Insurance vs Tesco Pet Insurance
Tesco offers quite comprehensive cover, but you'll have to pay up for their Premier Plan if you want dental illness cover (e.g., tooth decay or gum disease). Lifetime plans provide £7.5k or £10k of vet cover a year; there's no low-tier Lifetime offering (e.g., around £3k of vet cover each year) so Lifetime prices start around £500 for a healthy, young dog. Tesco features include access to a vetfone, no upper age limit for new policies and 12 month to submit claims.
Quick Takeaway: Tesco can be a good option for comprehensive Lifetime cover, but for full features including dental illness you'll need to spring for their Premier Plan.
More Than Insurance vs Agria Pet Insurance
Agria Pet Insurance offers comprehensive Lifetime plans for lower-than-average prices. They're able to charge lower premiums by having the pet owner pay a 10% copay in addition to the fixed excess (of £95 or £160 for dogs, £85 or £160 for cats). We like that Agria is a specialist pet insurer with a long history. Agria plans offer some desirable features, such as dental, euthanasia and cremation/burial, plus congenital conditions are not specifically excluded from cover. The cost for a young, healthy crossbreed dog is around £350 per year for a plan with £6,500 of vet cover and a £95 fixed excess + 10% copay; a British shorthair with an £85 excess + 10% copay would cost around £325 for the same level of cover.
Bottom Line: If you want a lower upfront premium, Agria can be a good option—but you'll have to pay a larger share of any vet bills that arise.