More Th>n

Ranked

#7
7 of 18 insurers by customers

MoreTh>n is a trading name of Royal &Sun Alliance Insurance plc and offers 4 levels of pet insurance cover for cats and dogs. On average they claim 94% of all claims are paid, and they can pay your vet direct if your vet agrees. Each dog policy includes public liability and accidental damage cover and all customers have access to a 24/7 vet advice line called vetfone.

Reviews

1.9
  • 118 reviews
  • Excellent
    14% Complete
    14%
  • Very Good
    3% Complete
    3%
  • Average
    7% Complete
    7%
  • Poor
    17% Complete
    17%
  • Terrible
    60% Complete
    60%
Coverage

MoreTh>n Pet Insurance offers 4 policy options. An Accident Only 12 month cover offering up to a limit of £2,500 for vet fees in total for 12 months. Once the limit is reached or 12 months have passed any condition claimed for will no longer be covered and will become a pre-existing condition. Cruciate ligament injuries are not covered no matter how they are caused.

A Time Limited Basic Cover which covers accidents or illnesses for 12 months from first treatment with total vet fee pay out limit options of £1,500 or £3,000. Once the total pay out limit is reached or 12 months goes by each condition or injury will no longer be covered. Classic cover which offers 2 pay out limit options of £4,000 or £8,000 per condition (a Maximum Benefit policy) which is not time limited. Once total amount is reached for a particular condition it is no longer covered.

Premier Cover, their Lifetime cover policy, has 2 vet fee limit options: £4,000 total vet fee limit per year with each individual illness or injury vet fee limit set at £1,000; and £12,000 total vet fee cover per year with an individual injury or condition vet fee limit of £4,000. Cover renews annually if the policy is renewed without a break in cover meaning cover continues for on-going conditions. All policy types include Third party Liability for dogs and cover for accidental damage. All policies except Accident only also cover Complementary Treatments and emergency boarding. The Classic and Premier policies also offer Lost and Found cover and Overseas travel cover.

Excess

£100 for each injury or accident and you can choose to pay a voluntary co-pay of either 10% or 20% of the remaining bill value if your dog is under 9, which might reduce your monthly premium. If your pet is 9 or older at policy inception you pay a compulsory excess of 20%.

Age Limits

From 8 weeks of age. Cover for Death not applicable to pets 9 years of age or older.

Waiting Period

48 hours for accidents, 14 days for cruciate ligament problems or any illnesses.

Company info

MoreTh>n is a trading name of Royal & Sun Alliance Insurance plc and offers 4 levels of pet insurance cover for cats and dogs. On average they claim 94% of all claims are paid, and they can pay your vet direct if your vet agrees. Each dog policy includes public liability and accidental damage cover and all customers have access to a 24/7 vet advice line called vetfone.

More Th>n

Insurer: More Th>n
By:
Derry
Posted: 10/01/2019
1

Typical money grubbing insurance company. I’m going back to PetPlan.

Species:

Dog

Breed:

Toy Mixed Breed (1 - 10 lbs)

Insurer: More Th>n
By:
Sam Everitt
Posted: 07/01/2019
5

We've had our 2 cats insured with more than for 3 years. One of our cats was diagnosed with diabetes and more than have been great. Really quick with claiming vet costs and actually our renewal only went up by £200 for the year and we have lifetime pet...

Species:

Dog

Breed:

Domestic Short Hair

Insurer: More Th>n
By:
W Glennie
Posted: 09/12/2018
1

Our cat has been insured with More Than since 2011. His insurance has risen by 50% since last year despite never having made a claim. We tried to contact a member of staff about this however after 3 attempts over a 45 minute period gave up. Ironically,...

Species:

Dog

Breed:

Mixed Breed Cat

Insurer: More Th>n
By:
Sarah
Posted: 01/12/2018
2

After using more than for 14 years and covered 3 dogs!! They’ve taken advantage of the 14 years I’ve been with them by increasing our month payments to an extra £63 per month making it £164 per month despite non of my dogs have any existing conditions one...

Species:

Dog

Breed:

Chihuahua