**IMPORTANT UPDATE: It has been announced that Royal & Sun Alliance plc will stop offering More Than pet insurance from mid-2024 to new and renewing customers. They have advised they will be in contact with existing customers but you can find more information at More Than help and support.**
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 pet insurance features
- What does More Than pet insurance cover?
- More Than pet insurance policies
- More Than pet insurance policy exclusions
- How much does More Than pet insurance cost?
- More Than pet insurance policy excess
- How to make a claim on More Than pet insurance
- More Than pet insurance customer reviews
- Alternatives to More Than pet insurance
- More Than pet insurance pros and cons
- Summary
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 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 pet insurance features
- Lifetime, Maximum benefit, time-limited and accident-only pet insurance policies
- 10% multi-pet discount
- Paid 9/10 customer claims between February 2022 and January 2023
- Premier policy has a 5 star Defaqto rating
- Vetfone 24/7 veterinary helpline
- Arrange for your vet to be paid direct
- Customise the level of cover (policy dependent)
What does More Than pet insurance cover?
More Than offers nine 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 condition limit lifetime pet insurance policies. This means that your pet is insured up to a set veterinary fee amount for each illness or condition 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. With More Than's lifetime pet insurance you can claim up to a maximum of £6,000 per accident or illness each policy year as long as you renew your insurance premium.
For more information on Lifetime pet insurance and how it works, 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 costs, jump to the 'How much does More Than pet insurance cost?' section.
More Than pet insurance policies - a comparison
| Premier | Maximum benefit | Basic | Accident-only | |
| Policy type | Annual condition limit lifetime | Maximum benefit | Time-limited | Accident-only |
| Maximum vet fee cover per condition per policy year | £1,000/£2,000/£4,000/£6,000 | £4,000/£8,000 | £1,500/£3,000 | £2,500 |
| Treatment period | Renews each year | Up to limit for each accident/illness | 12 months per accident/illness | 12 months per accident |
| Complementary treatment | £1,500 | £1,000 | £500 |  |
| Dental cover (injury and illness) | Up to £2,000 | Accident only | Accident only | Accident only |
| Death from illness/injury cover* | £2,000 | £1,000 | £500 | |
| Cremation & Euthanasia | £200 | £150 (optional) | £150 (optional) | £150 (optional) |
| Advertising & Reward | £1,000 each | £1,000 each | £1,000 each (optional) | £1,000 each (optional) |
| Loss or Theft | £2,000 | £1,000 | £1,000 (optional) | £1,000 (optional) |
| Emergency boarding | £1,000 | £1,000 | £1,000 | |
| Vet fees abroad | Up to £6,000 | Up to £8,000 | Up to £3,000 (optional) | |
| Holiday Cancellation | £2,000 | £2,000 | £2,000 (optional) | |
| Accidental Damage | £2,000 | £1,000 | £500 | £500 |
| Third-party liability (dogs only) | £3m | £2m | £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 (excluding Premier cover)
- The first 14 days of the policy for illnesses and the first 48 hours for accidents
- Illness death of pet claims for pets over the age of 9
- Dogs that are registered under the Dangerous Dogs Act 1991
- 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 | Premier | Premier | Classic | Classic | Basic | Basic | Accident-only | |
| Policy type | Annual condition limit lifetime | Annual condition limit lifetime | Annual condition limit lifetime | Annual condition limit lifetime | Maximum Benefit | Maximum benefit | Time-limited | Time-limited | Accident-only |
| Maximum vet fee cover per policy year | £6,000 | £4,000 | £2,000 | £1,000 | £8,000 | £4,000 | £3,000 | £1,500 | £2,500 |
| Policy excess | £100 | £100 | £100 | £100 | £100 | £100 | £100 | £100 | £100 |
| 1-year-old dog monthly premium | £24.70 | £21.34 | £15.80 | £12.43 | £20.25 | £16.32 | £12.08 | £8.68 | £7.08 |
| 1-year-old cat monthly premium | £17.59 | £15.28 | £11.48 | £9.13 | £14.47 | £13.29 | £8.84 | £7.41 | £14.82 |
(Quotes correct as of 18/08/23)
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 (excluding accident-only policies). 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.
More Than pet insurance customer reviews
More Than has a rating of 'Great' on Trustpilot with a score of 3.9 out of 5 stars from over 15,000 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.
Alternatives to More Than pet insurance
In this section of the review, we compare More Than pet insurance to other pet insurance providers. If you wanted to compare a broader range of pet insurance policies, you could do so via a comparison site such as Quotezone* or MoneySuperMarket*. Comparison sites allow you to compare a range of policies to find the cheapest policy for your pet. One thing to consider, however, is that the cheapest policy may not necessarily be the best cover for your pet.
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 and John Lewis, £125 for 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 condition limit lifetime policy | Annual limit lifetime policy | Annual limit lifetime policy |
Annual limit lifetime policy
|
| Excess* | £100 | £120 | £100 | £100 |
| Maximum vet fee cover | £6,000 per year per condition | £10,000 per year | £12,000 per year | £10,000 per year |
| Complementary cover | £1,500 | £1,000 | £1,500 | £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 | £2m | £2m |
| Online discount | |
Clubcard members | |
|
| Multi-pet discount | |
|
|
|
| Monthly cost (1-year-old dog) | £24.70 | £23.42 | £30.50 | £34.11 |
*Tesco, John Lewis & M&S have a range of excesses to choose from
(Quotes correct as of 18/08/23)
More Than vs Animal friends vs ManyPets
We have also compared More Than to Animal Friends and ManyPets* 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 |
ManyPets
|
|
| Lifetime pet insurance type | Annual condition limit | Annual condition limit | Annual limit |
| Excess | £100 | £99 | £99 |
| Maximum vet fee cover (per year) | £6,000 (per condition, per year) | £6,000 (per condition, per year) |
£15,000
|
| Public liability | £3m | £2m | £3m |
| Loss & theft | £2,000 | £1,500 | £6,000 |
| Death of pet cover (if pet dies through illness or injury) | £2,000 | £1,500 | £6,000 |
| Vet video calls |  |
|
|
| Monthly Cost (1-year-old dog) | £24.70 | £24.92 | £41.46 |
(Quotes correct as of 18/08/23)
More Than pet insurance pros and cons
More Than pet insurance pros
- 10% multi-pet discount
- Vetfone helpline
- Range of cover choice
- Fixed policy excess
More Than pet insurance cons
- 12-month time limit on the accident-only policy
- 20% compulsory co-payment for pets over the age of 9
Summary
Overall, More Than pet insurance offers a good choice of pet insurance policies with a varying range of cover. If you have more than one pet in your household you can benefit from a 10% multi-pet discount which can save you money on your pet insurance.
In addition, the free vet helpline could 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 vet. As with all pet insurance, it is worth comparing prices with other providers to ensure you are getting the best deal for the cover you need.
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