I've been with More Than for a few years and I had to make a claim for the first time ever when my cat became unwell in December `15. More Than sorted out my claim efficiently and I got back everything I was due to get back, around £175.00. However, as soon as my renewal for 16/17 appeared, the premium had rocketed up by almost 100%! I phoned More Than for an explanation and they couldn't give me one, instead offering a measly £10 reduction over the course of the year. Needless to say, I'll be shopping around.