More Than Pet Insurance

Ranked

#12
12 of 24 insurers by customers

Read over 180 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.

18% of customers rated More Than PI as "excellent" or "very good". Some customers found them helpful and quick to pay claims but others find them unresponsive. Overall the customer feedback is mixed.  

Reviews

1.9
  • 192 reviews
  • Excellent
    16%
  • Very Good
    3%
  • Average
    5%
  • Poor
    11%
  • Terrible
    66%
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:
Barry Leigh
Posted: 23/04/2024
1

Last year my cat was diagnosed with diabetes and the treatment from the local vet created major claims initially as the cat did not react well to the insulin and this created issues which the vet thought was not related and then a hypo when the cat was in...

Breed

Mixed Breed

Species:
Cat
By:
Liana Beattie
Posted: 05/03/2024

Recommended
by reviewer

5

This is second time I am using this insurance company. They are absolutely outstanding in terms of the ease of making a claim and the speed of payment. Highly recommended ūüĎĆ

Breed

Brussels Griffon

Species:
Dog
By:
Mary Bridgett
Posted: 19/02/2024
1

Insured my dog with this company for over nine years and after almost £5000 in payments and no claims I need to claim for dental treatment. Told only covered for accident to teeth. (Under small print). If you love your pet DO NOT insure with this company...

Breed

Mixed Breed

Species:
Dog