Life time insurance, no missed payments. Sadly, my dog became ill with auto immune haemolytic anaemia and spent 2 weeks in hospital and eventually died. More Than then applied an excess of over £800 and refused to pay the cost of the dog, despite the fact that she was a young dog. The policy excess is set at £75. I'm extremely puzzled by the huge excess applied and More Than's refusal to pay the purchase cost. I will be taking this further.