More Than has one of the most comprehensive lifetime covers. I took out the most expensive policy for my non-pedigree kitten and she has just turned 1 in May with no claims or pre-existing conditions. The renewal policy I received was a surprise because it has gone up from 9.61 to over 13 pounds. the customer service lady was embarrassed herself and suggested I cancel and retake a new More Than policy. However, it will always go up and every year, makes me nervous to think what would happen if I actually had to make a claim, or when she gets older. At this rate I am better off having a fixed savings account set aside for my cat.