More Th>n

Ranked

#7
7 of 19 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
  • 129 reviews
  • Excellent
    13% Complete
    13%
  • Very Good
    2% Complete
    2%
  • Average
    7% Complete
    7%
  • Poor
    16% Complete
    16%
  • Terrible
    62% Complete
    62%
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.

Additional Policy Information
Please note

Policies are subject to exclusions and conditions so please always consult the insurer's policy documents before you buy. 

Pet Insurance Review compiles the latest Policy information and general company information from each insurers website with the information gathered on the date shown. We make every effort to ensure the information is correct but cannot be held responsible for any inaccuracies.  

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:
Sophia
Posted: 20/03/2019
1

Pet insurance held for 5 years- never claimed he developed a small infection in the skin between his eye and mouth turned out he bit a stick AS DOGS DO FUNNILY ENOUGH!!!!!!! and a bit of the wood got stuck in a back tooth which caused the infection not in...

Breed

Mixed Breed

Species:
Dog
Insurer: More Th>n
By:
Trevor Wright
Posted: 25/02/2019
1

I have been a customer with this company for 8 years. Over that time the premiums increased year on year. At renewal time it is always a fight to keep the premium at a reasonable cost. Each time I hear the same line that the veterinary practice is...

Breed

Cavalier King Charles Spaniel

Species:
Dog
Insurer: More Th>n
By:
Michelle Hewitt
Posted: 13/02/2019
1

The policy premiums just keep on rising!! I don’t mean a little like you may expect but at each renewal the premiums just double. I have four dogs on this policy and the premium has risen from around £285 a month in 2016/17 to £485 a month in 2017/18. Now...

Breed

Mixed Breed

Species:
Dog