More Than offers 12 different pet insurance policies for cats and dogs across the UK. Let’s make sense of the policies they offer and ultimately tell you how good they are.
Pet insurance from different providers have so much variation, so can be tricky choosing the correct cover for your 4-legged friend. Our impartial reviews take a look at some key common elements between different pet insurers to try and make comparisons a little more straightforward. We look at:
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More Than pet insurance provides a variety of levels of cover at a mid-level price, but also gives customers the opportunity to tailor elements of cover and coinsurance to impact their policy price. Comparison is key to ensure that you find the best pet insurance for you and your pet, understanding the inner limit of the policy and reading the policy documents carefully can help you to uncover any restrictions that may become important when claiming. Take a look at the details below giving a comprehensive understanding of More Than’s pet insurance policies.
Pet insurance from More Than offers 12 different policies covering 4 different cover types.
More Than offer 12 pet insurance policies with varying cover limits. The full details of the cover limits are listed in the table below.
|Cover Level||Maximum Vet Fees Per Condition in 12 Months||Total Vet Fees Payable in a 12 Month Period||Maximum Vet Fees Per Condition For Life of Pet|
|Accident Only – All Options||2,500||Unlimited||2,500|
|Accident Only – No Options||2,500||Unlimited||2,500|
|Basic (£1,500 vets fees) – All Options||1,500||Unlimited||1,500|
|Basic (£1,500 vets fees) – No Options||1,500||Unlimited||1,500|
|Basic (£3,000 vets fees) – All Options||3,000||Unlimited||3,000|
|Basic (£3,000 vets fees) – No Options||3,000||Unlimited||3,000|
|Classic (£4,000 vets fees) – All Options||4,000||Unlimited||4,000|
|Classic (£4,000 vets fees) – No Options||4,000||Unlimited||4,000|
|Classic (£8,000 vets fees) – All Options||8,000||Unlimited||8,000|
|Classic (£8,000 vets fees) – No Options||8,000||Unlimited||8,000|
|Premier (£12,000 vets fees)||4,0000||12,000||Unlimited|
|Premier (£4,000 vets fees)||1,000||4,000||Unlimited|
Firstly, it’s worth noting that the Premier cover levels are lifetime policies but they have per condition limits. This means that whilst you are able to make claims up to the annual limit of £4,000 or £12,000, there’s a further ‘per condition’ limit on these plans which means for each condition you can only claim up to £1,000 or £4,000.
Should you need to make a claim worth more than these limits then you’ll be liable to find anything over £1,000 or £4,000 on the Premier plans until the policy renews and your per condition and annual limits re-set.
Furthermore, within the policies there are additional limits depending upon what section of the policy you claim under. We’ll take a look at these in more detail below.
More Than pet insurance initially offers decent value for money, but there are a few important points to understand before you decide if More Than is a good long-term pet insurance option for you. Remember it can be hard to switch pet insurance later on, as pre-existing conditions are not covered under most pet insurance plans.
|Cover Level||Dental Cover Limit||Cover For|
|Accident Only – All Options||£2,500||Accident & Injury|
|Accident Only – No Options||£2,500||Accident & Injury|
|Basic (£1,500 vets fees) – All Options||£1,500||Accident & Injury|
|Basic (£1,500 vets fees) – No Options||£1,500||Accident & Injury|
|Basic (£3,000 vets fees) – All Options||£3,000||Accident & Injury|
|Basic (£3,000 vets fees) – No Options||£3,000||Accident & Injury|
|Classic (£4,000 vets fees) – All Options||£4,000||Accident & Injury|
|Classic (£4,000 vets fees) – No Options||£4,000||Accident & Injury|
|Classic (£8,000 vets fees) – All Options||£8,000||Accident & Injury|
|Classic (£8,000 vets fees) – No Options||£8,000||Accident & Injury|
|Premier (£12,000 vets fees)||£2,000||Accident & Illness|
|Premier (£4,000 vets fees)||£2,000||Accident & Illness|
Only on More Than’s Premier cover can you be covered for dental treatment for illnesses rather than just accidents and injury. Under Premier cover you can claim up to £2,000 in the following circumstances.
Once your pet has had its first check up and your vet has completed any necessary work, if your pet suffers from tooth decay or gum disease before – or at – the next 12 month check up then More Than will pay for the treatment.
If you fail to keep up to date with 12 month dental check ups for your pet does not get the treatment required then your cover will only then cover accidents affecting teeth or gums, treatment for an underlying illness resulting in tooth decay or gum disease, or the cost of removing teeth to treat an illness.
Importantly, none of the policies will cover the cost of the dental check itself or any cosmetic treatment for your pet.
Find out more about how pet dental cover works.
Behavioural treatment covers support for your pet should need help to overcome issues like anxiety or destructive behaviour such as biting, scratching and clawing.
If this is something that you feel you’ll need support with, then you’ll need to be looking at More Than Premier cover. This is the only policy type that offers cover for behavioural treatment. With this, you can claim up to
£1,000 to pay for the treatment of changes to your pets mental or emotional state following a vet referral.
All other levels of cover exclude all treatment for behavioural issues.
More Than will cover your fees for any complementary treatments that your pet requires and those that have been referred by a vet. 6 different treatment types are available, these are: Acupuncture, Homeopathy, Physiotherapy, Hydrotherapy, Osteopathy, Chiropractic treatment.
Cover levels for all of these types of treatment start from £500 on Basic cover, £1,000 on Classic cover and £1,500 for Premier cover levels.
Accidental damage protection can cover you in the event that your pet causes damage to your, or someone else’s, property.
Our research shows that a surpising number of providers do not offer cover for your own property, and whilst you might think that can be covered by your home insurance, that might not always be the case. Find out why with our accidental damage cover explainer.
With More Than accidental damage cover to somebody else’s property is offered on all of their policies, ranging from £500 with their accident only plans, to £1,000 for Basic, £1,500 for Classic and up to £2,000 on Premier.
They do not offer any cover on any policy for accidental damage to your own property. In fact, only 2 pet insurers do offer cover for your own property, they are either Saga (£1,000 cover) or NFU Mutual (£5,000).
More Than offer third party liability cover on all their plans, running up to £3 million pounds of cover on their Premier lifetime plans.
This cover is only applicable to dogs and can help if your canine friend:
As long as your dog hasn’t shown any history of being aggressive then you should find that you’ll be covered for vet bills, legal fees, and the cost of damage caused.
Like most pet insurers More Than do not offer cover for pre-existing conditions under any of their policies. Each provider has similar but nuanced definitions of what a pre-existing condition is, for More Than they use:
For health issues, concerns, illnesses and injuries which you or your vet were aware of before you took out the policy, they are known as pre-existing conditions, they are:
More Than also consider the following to also be a pre-existing condition:
For more information on pre-existing conditions and how they work, take a look at our pre-existing conditions pet insurance guide.
Pets Abroad Cover from More Than does exactly that, protecting you for issues that occur whilst you’re out of the UK, Isle of Man and the Channel Islands. Importantly, aspects of the cover only apply when travelling with your pet to the European Union, so if you’re travelling beyond the EU then give More Than a call first to check if you’ll still be covered.
Cover comes as standard on the Classic and Premier policies, but if you’re on Accident Only or Basic then this is one of 3 optional extras that you can choose to add.
If selected then this can cover you for the following:
The cover limits on the Pets Abroad Cover differs depending upon your policy level but the table below shows which policies offer which levels of cover.
|Cover For||Accident Only||Basic||Classic||Premier|
|European Vet Fees Cover.
Extension of Vet Fees when
travelling in the EU.
|Not applicable||£1,500 or £3,000||£4,000||£8,000|
|Emergency Expenses up to||Not applicable||£1,000||£1,000||£1,000|
|Holiday Cancellation up to||Not applicable||£2,000||£2,000||£2,000|
|Quarantine Costs up to||Not applicable||£1,000||£1,000||£1,000|
|Loss of Health Care Certificate||Not applicable||£250||£250||£250|
|Repeating the tapeworm||Not applicable||£250||£250||£250|
It is important to note that there are certain requirements you must follow in order to make a valid claim. These include the length of the trip abroad which cannot last longer that 60 days and must start and end in the UK. It is also important to note that you are not allowed more than 3 separate trips in the same policy year.
Due to their being a number of different sections to the Pets Abroad Cover there are also a multitude of requirements and exclusions. These include getting written proof from vets or carriers around any delays or treatment, and receipts of replacement documents. Also ensuring that you comply with the PETS Travel Scheme is key to making a valid claim.
You should also be aware that you will not be covered for more than 3 trips in any period of insurance, or any trip that last more than 60 days.
Find out more about how overseas travel works for pets.
Farewell cover is the protection offered by insurance companies when your pet passes away. It’s not something we want to think about but worth understanding how pet insurers can help in the event you need to claim.
Much like Pets Abroad Cover and Lost and Found Cover, Farewell Cover is an optional extra. However the difference is that it is an optional section on the Accident Only, Basic and Classic cover levels. Only on the highest level of cover, Premier, is Farewell Cover included as standard.
Farewell Cover provides protection in the event that you have to put your pet down and wish to claim for the costs incurred.
The level of cover offered for Farewell cover on each policy is:
|Cover For||Accident Only||Basic||Classic||Premier|
|Euthanasia, Cremation and Burial up to||£150||£150||£150||£200|
Importantly, if you choose the accident only policy then the euthanasia, cremation and burial cover only applies in the event that your pet died from an accident, cover will not apply where the death was caused by an illness.
Although not part of the Farewell Cover option. If you choose the Basic, Classic or Premier cover levels you’re covered for costs arising from the death of your pet due to accident or illness. The limits for these are:
|Cover For||Accident Only||Basic||Classic||Premier|
|Death by accident||Not applicable||£500||£1,000||£2,000|
|Death by illness||Not applicable||£500||£1,000||£2,000|
As with all insurance, in order to make a successful claim it’s important to understand the exclusions or restrictions.
For More Than they need you to provide the date and cause of death from your vet and that if your pet was put to sleep that the vet confirms this was necessary to stop incurable suffering.
They also require you to provide evidence of how much you paid for your pet. If you cannot supply this, then More Than will make an assumption based on the market value given the breed, sex and age of the pet at the time you became the owner.
In order for a claim to be successful you’ll also need to be sure that the death was not as a result of an accident that happens within the first 48 hours of the first period of insurance.
If your pet is lost and stolen then insurers can help you to find or recover your pet through things such as advertising and reward payments, and in the event that you’ve been unable to locate your pet, they’ll also provide cover for the loss of your cat or dog.
Lost and Found cover does not come as standard on More Than’s Accident only or Basic policies but you have the option to include it. It does come as standard on Classic and Premier policies.
The overall limit for this section is split in to limits for:
On More Than’s Accident Only, Basic and Classic cover levels the limits are up to £1,000 for each of the points above.
If you choose for lifetime cover on More Than’s Premier cover then your Loss by Theft and Straying is raised to £2,000, however the Advertising and Reward limits remain at £1,000.
Under the Lost and Found cover More Than will help you cover the cost of advertising locally and offering a reward. They’ll also pay the purchase or donation price of your pet if it is permanently lost or stolen – this means if they have been lost for more than 90 days.
Before you make a claim under this section of the policy beware that More Than will want to be informed and need to agree to it before any advertising for your lost pet can happen. So make sure you give them a call beforehand and also ensure that you submit a claim within 121 days of your pet going missing.
Find out more about how lost and found cover works.
More Than have a fixed excess of £100 for both cats and dogs for vet fee claims. If you are needing to claim under the Third Party Liability section of the policy then your excess payment increases to £250.
Excess payments are charged per claim per policy year, meaning that you’ll pay the excess on each new claim you make in the policy year and, should you need to continue claiming for a condition across multiple policy years then the excess payment will be taken for the first claim in each new policy year.
Unlike other providers More Than charge an increased excess payment should you choose a vet outside of their network for any non-emergency referral. If you wish to choose a vet outside the network then the excess payment doubles to £200.
More Than give you the option of adding a voluntary co-insurance on all pets under 9 years old. You can select from either 0%, 10% or 20%. Adding a co-insurance will bring down your monthly premiums and could be a good idea for pets while they are younger and healthier.
After your pet reaches 9 years old then a compulsory 20% coinsurance will be added to your policy. This means that for any claims made you’ll be required to pay the excess plus 20% towards the value of the claim. Find out more about how pet insurance excess and coinsurance works.
The true test of any insurer is their claim performance. More Than claim to pay on average 91% (based on data from July 2020 – June 2021) of all pet insurance claims that are submitted. In comparison to other providers this is a little low. Top providers in the market are seeing claims paid percentages around 97%.
More Than do not provide information on how long it normally takes them to settle claims, but in general around 7-10 working days would appear to be an average across all providers. This can differ depending upon whether all the relevant information is provided and the vet medical history provided.
Direct vet payment is offered by More Than which is a good benefit to have, saving pet owners unnecessary stress and being out of pocket. Find out more about which pet insurers offer direct vet payment.
Some pet insurers will charge you to set up, change and cancel your policy. They do this in order to cover administrative costs as well as cover them in cases where the risk of you claiming may increase or the cost of a claim may increase – when you move house for example.
You can find More Than’s fees and charges below:
As well as the specific exclusions detailed in the relevant sections above there are also general exclusions that apply to More Than policies. These tend to be typical for most insurers but double check these to make sure you don’t come unstuck.
Find out more about the pet insurance waiting period.
Find out more about bi-lateral conditions.
Above we’ve looked at the intricacies of More Than pet insurance policies, but it’s always worth checking verified reviews from existing customers. We’ve looked at reviews published on Trustpilot (4.1/5) and Reviews.io (4.2/5) to find some comments on how More Than perform from a policyholders point of view.
It’s worth mentioning that due to More Than having multiple types of insurance the overall scores are for all their products not just pet insurance. Though below we’ve taken the latest 4 reviews from Trustpilot that included the word ‘pet’. These were created on 31st October 2021.