More Than pet insurance review

20 min Read Published: 23 Jun 2021

more than pet insurance review

In this independent review, we look at More Than pet insurance including what it covers, how much it costs and how it compares to other providers. We recommend that you read the full review, however if you prefer you can jump to specific sections using the following links:

What is More Than pet insurance?

More Than was launched in 2001 and offers a range of insurance products for your car, home and pet. More Than's Insurance policies are underwritten by Royal & Sun Alliance plc which means that the More Than Pet insurance policy is underwritten by the same insurer as M&S, John Lewis and Tesco's pet insurance policies. Later in the article, we compare More Than to its competitors to see if you can get more for your money elsewhere. More Than allows you to earn cash rewards (via its More Than Rewards scheme) when you shop with selected retailers which you can then redeem against the cost of your insurance policy should you decide to renew. There is no limit to how much you can earn in cash rewards and the range of retailers includes Just Eat, H&M, Dunelm, QVC and more.

More Than pet insurance features

  • Lifetime, Maximum benefit, time-limited and accident-only pet insurance policies
  • 25% online discount for new customers
  • 10% multi-pet discount
  • Vetfone 24/7 veterinary helpline
  • More Than Rewards (earn cash on everyday spending)
  • Arrange for your vet to be paid direct
  • Customise the level of cover (policy dependant)

What does More Than pet insurance cover?

More Than offers seven pet insurance policies with varying levels of cover. We summarise the different types of cover below but for a more detailed summary of the More Than pet insurance policies check out our comparison table.

More Than Premier

More Than's Premier pet insurance policies are annual limit lifetime pet insurance policies. This means that your pet is insured up to a set veterinary fee amount each policy year. There are two main types of lifetime pet insurance, annual limit and condition limit. Annual limit lifetime pet insurance insures your pet for a set amount each policy year whereas annual condition limit lifetime pet insurance insures each condition for a set amount per policy year.

Whilst More Than's pet insurance is an annual limit lifetime policy, it does have a condition limit of £1,000 or £4,000 depending on the policy you choose, which is included in the overall annual limit. For example, you can choose a £4,000 Premier policy with More Than which means that your pet is insured up to £4,000 each policy year but only up to £1,000 per condition. If you reach the £1,000 limit for a particular condition it will no longer be covered for that policy year and you will have to self-fund any further treatment. You can however claim for 3 other conditions up to £1,000 each in that policy year. If you choose to renew the pet insurance policy, the vet fee limits will reset.

For more information on Lifetime pet insurance, read our article 'Lifetime pet insurance explained'.

More Than Classic

More Than's Classic policies are maximum benefit pet insurance policies. This means that your pet is insured for a set amount per condition. There is no time limit on how long you have to claim for a set condition and the veterinary fee cover does not renew annually like with lifetime pet insurance. Once you have reached the set veterinary fee limit any further treatment for that particular condition will need to be self-funded.

If you would like to find out more about maximum benefit pet insurance, read our article 'Maximum benefit pet insurance explained'.

More Than Basic

More Than's Basic policies are time-limited pet insurance policies which means that your pet is insured for a set veterinary fee amount and for a set period of time, which is usually 12 months from the point of treatment. With time-limited pet insurance your pet will be covered until the veterinary fee limit has been reached, or until 12 months have passed since treatment commenced, whichever comes first. Once the veterinary fee limit has been reached or the 12 months have passed then any further treatment will need to be self-funded.

To find out more information on time-limited pet insurance, read our article 'Time-limited pet insurance explained'.

More Than Accident-only

More Than offers an accident-only pet insurance policy which means that your pet is covered for veterinary treatment it requires due to an accident or injury. More Than's accident-only policy covers your pet for a set amount per condition and for a set period of time, which is 12 months from the treatment of an accident. Like with a time-limited policy you are insured up until the set veterinary fee limit or until the 12 months have passed, whichever comes first and after this point any further treatment will need to be self-funded.

For more information on accident-only pet insurance, read our article 'Accident-only pet insurance explained'.

More Than pet insurance policies

In the below comparison table we highlight the different policies available with More Than. If you want to find out how much each of the policies cost, jump to the 'How much does More Than pet insurance cost?' section.

Premier Premier Classic Classic Basic Basic Accident-only
Policy type Annual limit lifetime Annual limit lifetime Maximum Benefit Maximum benefit Time-limited Time-limited Accident-only
Maximum vet fee cover per policy year £12,000 £4,000 £8,000 £4,000 £3,000 £1,500 £2,500
Maximum vet fee cover per illness/injury £4,000 £1,000
Complementary treatment £1,500 £1,500 £1,000 £1,000 £500 £500
Dental cover (injury and illness) £2,000 £2,000 Accident only Accident only Accident only Accident only Accident only
Death from illness/injury cover* £2,000 £2,000 £1,000 £1,000 £500 £500
Cremation & Euthanasia £200 £200 £150 (optional extra) £150 (optional extra) £150 (optional extra) £150 (optional extra) £150 (optional extra)
Advertising & Reward £1,000 each £1,000 each £1,000 each £1,000 each £1,000 each (optional extra) £1,000 each (optional extra) £1,000 each (optional extra)
Loss or Theft £2,000 £2,000 £1,000 £1,000 £1,000 (optional extra) £1,000 (optional extra) £1,000 (optional extra)
Emergency boarding £1,000 £1,000 £1,000 £1,000 £1,000 £1,000
Vet fees abroad £12,000 (inner limits apply) £4,000 (inner limits apply) £8,000 £4,000 £3,000 (optional extra) £1,500 (optional extra)
Holiday Cancellation £2,000 £2,000 £2,000 £2,000 £2,000 (optional extra) £2,000 (optional extra)
Accidental Damage £2,000 £2,000 £1,000 £1,000 £500 £500 £500
Third-party liability (dogs only)  £3m £3m £2m £2m £1m £1m £500,000

*Dogs over 9 years old are not covered for death due to illness

More Than pet insurance exclusions

In this section we have highlighted some of the exclusions with a More Than pet insurance policy. This is not an extensive list and therefore may vary depending on the pet insurance policy you choose, so be sure to check your policy documents carefully to see what you are covered for.

More Than pet insurance does not typically cover you for the following:

  • Pre-existing conditions
  • Routine treatment
  • Policy excess
  • Behavioural problems
  • The first 14 days of the policy for illnesses and the first 48 hours for accidents
  • Death of pet claims for pets over the age of 9
  • Breeding for more than 2 litters in your pet's lifetime
  • Dogs that are pedigree, crossed or mixed with the following breeds: Pit Bull, Japanese Tosa, Fila Brazileiro, Dogo Argentino, American Bulldog, Wolf/Wolf hybrid
  • For claims as a result of your pet worrying livestock

How much does More Than pet insurance cost?

How much you will pay for your pet insurance policy will vary depending on the type, age and breed of your pet. Pedigree breeds are typically more expensive than non-pedigree breeds due to their susceptibility to certain illnesses due to their breeding. As pets age they also become more expensive to insure because they are more likely to fall ill. In the below comparison table we have compared the cost of the different More Than pet insurance policies. The quotes are based on a 1-year-old mixed breed dog and cat, with no underlying health conditions and living in a South East postcode. The quotes for the cat are based on an outdoor cat and therefore could differ compared to the cost for a cat that does not venture outside.

More Than pet insurance policy cost comparison

Premier Premier Classic Classic Basic Basic Accident-only
Policy type Annual limit lifetime Annual limit lifetime Maximum Benefit Maximum benefit Time-limited Time-limited Accident-only
Maximum vet fee cover per policy year £12,000 £4,000 £8,000 £4,000 £3,000 £1,500 £2,500
Maximum vet fee cover per illness/injury £4,000 £1,000
Policy excess £100 £100 £100 £100 £100 £100 £100
1-year-old dog monthly premium £23.10 £12.39 £18.73 £15.13 £12.54 £9.07 £6.50
1-year-old cat monthly premium £17.84 £10.37 £13.28 £12.19 £9.60 £8.03 £12.06

(Quotes correct as of 04/06/21) 

More Than pet insurance policy excess

More Than pet insurance policies have a fixed excess of £100 with an optional co-payment of 10% or 20% for pets under the age of 9. A co-payment is a percentage contribution towards the cost of the remaining vet bill. For example, if the vet bill is £1,000 you will pay a £100 excess and either an additional £90 (10%) or £180 (20%) if you have selected the 10% or 20% co-payment. With a More Than pet insurance policy, you will only be required to pay the fixed policy excess for the first claim and any subsequent bills for the same treatment will be subject to a percentage contribution if you have selected to pay a voluntary co-payment. Once your pet has reached the age of 9 a compulsory co-payment of 20% will be required in addition to the £100 fixed policy excess for any claim and any subsequent claims for the same condition.

If your pet has been referred to a specialist vet you may be required to pay an additional £200 of the vet bill in addition to the policy excess but if your pet has been referred to another vet to receive emergency treatment you are not required to pay the additional £200 excess amount.

How to make a claim on More Than pet insurance

If you need to make a claim on your pet insurance policy you can do so via More Than's online claim portal. You will need to provide details on the medication and treatment your pet has received as well as upload any related correspondence that can be used to process your claim. In most instances, More Than is able to pay your vet directly if this is something that your veterinary practice accepts.

If you need to make a claim, you will need to notify More Than of any treatment your pet has been recommended within 31 days of your vet telling you that treatment is needed and no later than 60 days after the treatment has started. If you wish to make a claim for anything that does not require veterinary treatment you can contact More Than via email at [email protected].

More Than pet insurance customer reviews

More Than has a rating of 'Great' on Trustpilot with a score of 4.2 out of 5 stars from over 12,000 reviews. The reviews however are for More Than insurance as a whole and not just More Than pet insurance. From the reviews about More Than pet insurance policies those that rated it as 'Good' cited an easy claims process and great customer service. Some reviews that rated it as 'Bad' commented on expensive insurance renewals and delays when making a claim.

More Than pet insurance pros and cons

Pros

  • 10% multi-pet discount
  • 25% online discount
  • Vetfone helpline
  • Range of cover choice
  • Fixed policy excess

Cons

  • 12-month time limit on the accident-only policy
  • 20% compulsory co-payment for pets over the age of 9
  • Inner condition limits for lifetime pet insurance

Alternatives to More Than pet insurance

In this section of the review, we compare More Than pet insurance to other pet insurance providers.

More Than vs Tesco vs John Lewis vs M&S Bank pet insurance

More Than pet insurance is underwritten by Royal & Sun Alliance plc which also underwrites the pet insurance policies for Tesco, John Lewis and M&S. In the below comparison table we have compared the four insurance companies underwritten by Royal & Sun Alliance plc to see what level of cover you can get with each of the providers. We compare the most comprehensive annual limit lifetime pet insurance policy with each of the providers and the quotes in the comparison table are based on a 1-year-old mixed breed dog with no underlying health conditions and living in a South East postcode. For the purpose of the quotes, the excess chosen is £100 for More Than, John Lewis and M&S and £120 for Tesco. For more information on the providers in the table read our reviews:

Pet insurance cost comparison - More Than vs Tesco vs John Lewis vs M&S

More Than Premier Tesco Premier John Lewis Premier  M&S Premier 
Policy type Annual limit lifetime policy Annual limit lifetime policy Annual limit lifetime policy
Annual limit lifetime policy
Excess* £100 £60/£120/£200 £60/£80/£100/£140/£250/£500
£50/£100/£150
Maximum vet fee cover £12,000 per year (£4,000 condition limit) £10,000 per year £12,000 per year £7,000 per year
Complementary cover £1,500 £1,000 £2,000 £1,000
Loss & theft £2,000 £1,500 £1,500 £1,500
24/7 access to Vet helpline
Holiday cancellation cover £2,000 £5,000 £3,000 £3,000
Death cover (up to the price you paid for your pet) £2,000 £1,500 £1,500 £1,500
Third-party liability (dogs only) £3m £2m £3m £2m
Online discount
Multi-pet discount
Monthly cost (1-year-old dog) £23.10 £31.59 £42.50 £28.21

*For the purpose of the comparison table a £100 excess has been selected for More Than, John Lewis & M&S and £120 excess for Tesco

More Than vs Animal friends vs Bought by Many

We have also compared More Than to Animal Friends and Bought by Many to see what level of cover you could expect from other pet insurance providers. We have compared the most comprehensive annual limit lifetime policies with each of the providers and the quotes are based on a 1-year-old mixed breed dog with no underlying health condition and living in a South East postcode.

For more information on the policies mentioned in the table read our reviews:

More Than Animal Friends
Bought by Many
Lifetime pet insurance type Annual limit Annual limit Annual limit
Excess £100 £99 £99
Monthly Cost (1-year-old dog) £23.10 £21.52 £33.45
Maximum vet fee cover (per year) £12,000 (£4,000 condition limit) £5,000
£15,000
Public liability £3m £2m £3m
Loss & theft £2,000 £1,200 £6,000
Death of pet cover (if pet dies through illness or injury) £2,000 £1,200 £6,000
Vet video calls

Summary

Overall, More Than pet insurance offers a good choice of pet insurance policies with a varying range of cover. One of the biggest drawbacks with its lifetime pet insurance policy, however, is that it imposes annual condition limits which means that whilst you can be covered up to £12,000 each policy year you can only claim a maximum of £4,000 for each condition. It is also worth considering that the 25% online discount for new policyholders means that you may see a large jump in your insurance premium should you choose to renew the following policy year.

The free vet helpline could however see you saving money on potential vet trips as it allows you to seek advice for minor pet problems without unnecessarily taking a trip to the vets. The opportunity to earn rewards as you spend may also be appealing and can help to cover the cost of some of your insurance premium when it comes to renewing your policy.