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:
Kathryn perry
Posted: 16/09/2014
5

My Flatcoated retriever had a wart removed from her elbow by our vet - 10 days later while travelling to Wales for a holiday the wound opened up and needed restitching. This meant a claim involving the Welsh vet as well as my own. Payment took a couple of...

Species:
Insurer: More Th>n
By:
Connor C.
Posted: 04/09/2014
4

Have two dogs insured with them and have no complaints about the the cover. Paid for a surgery for one of our pups. Only complaint is that the premiums have gone up more than I expected. I guess you get what you pay for.

Species:
Insurer: More Th>n
By:
Monty
Posted: 22/08/2014
4

Our puppy swallowed a ball and ended up needing expensive treatment at the vet. We had never filed a claim before, so was not sure how the process would work. However, the claim was dealt with quickly and More Than sent the cheque promptly.

So the...

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Insurer: More Th>n
By:
Simone
Posted: 20/08/2014
1

I had been paying insurance to More Than for 14 years for my cat with no claims. In the last 4 years however my cat has developed athritis which has required monthly visits to the vet costing £40 per month. My renewals have gradually increased as i would...

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