More Than Pet Insurance

Ranked

#9
9 of 19 insurers by customers

Read customer reviews for MoreTh>n Pet Insurance provided by Royal & Sun Alliance Insurance plc and offering 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
  • 146 reviews
  • Excellent
    13% Complete
    13%
  • Very Good
    3% Complete
    3%
  • Average
    6% Complete
    6%
  • Poor
    14% Complete
    14%
  • Terrible
    64% Complete
    64%
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 Pet Insurance Reviews

By:
Dale
Posted: 07/12/2019
1

Renewed policy 50% more on previous year with no claims. Called to discuss and the operator on the line was rude talking over me continuously and offered very little discount. Went with another company exactly the same and also half the price. No...

Breed

Mixed Breed

Species:
Dog
By:
Ann Anderson
Posted: 23/11/2019
1

I wouldn’t recommend this company to anyone. I had my vet look at this policy. At time was best. My dog is now 12 years old. Have had to claim 3-4 times over last couple of years. Before I didn’t need to claim at all. Last two years they have increased...

Breed

Shih Tzu

Species:
Dog
By:
Tamara Loveless
Posted: 11/10/2019
1

I’ve been insured with through More Than for 3 years. Luckily, I have never had to make a claim on the policy, however my annual cost has risen dramatically over the last two years which led me to look around for better quotes. I found better cover...

Breed

Collie

Species:
Dog