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:
Lynda Ryan
Posted: 29/01/2019
1

don’t ever use more than pet insurance. I Insured my dog with more than from the age of about 12 months and it cost about 6.99 a month. When my dog got to 10 years old it went up to £83 a month and when he got to 11 it went up to £182 a month! And I wasn...

Breed

Labrador Retriever

Species:
Dog
Insurer: More Th>n
By:
Marie
Posted: 28/01/2019
1

I have been with more than for over ten years, and i have only claim twice for my dog, which when I first started I was paying £17.99 a month, and then to £34.70 because she was nine years old, and as I have put in my second claim they have put it up to...

Breed

Cocker Spaniel

Species:
Dog
Insurer: More Th>n
By:
Saul Patrick Gouder
Posted: 22/01/2019
1

MoreThan are quite literally the worst insurers I have ever had the misfortune to deal with. I've made two claims with them and both have been a nightmare. They don't pay up front like most reputable insurers, they will try and underhanded tactic to avoid...

Breed

Mixed Breed

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

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

Breed

Toy Mixed Breed (1 - 10 lbs)

Species:
Dog