I sadly lost my 12 Labrador recently. She has been insured with More Than for the majority of her life. Unfortunately I have had to make several claims for her, each claim was handled efficiently and settlements were made promptly. I was fully aware of my excess contribution so that didn’t come as a surprise. I would say make sure you are fully aware of the cover, the excess and the exclusions of the policy you purchase. I would not hesitate to insure another pet with More Than.