Is More Than The Best Pet Insurance Company?

Alexandre Desoutter Alexandre Desoutter  updated on September 7, 2020

Would you like to insure your beloved pet against accident or illness? Are you here to know whether More Than is the best pet insurer to go for?

You are at the right place!

In the below review, we will tell you everything you need to know on More Than pet insurance: cover table, prices, contact, claim and cancel process and our own recommandation.

Our review on More Than pet insurance

3.8 Safe overall rating for More Than pet insurance

Safe ratingOur opinion
Customer service & satisfaction
and claims
High rating of 4.3 on TrustPilot
Some of the insurance policies are rated 5 stars on Defaqto
24/7 qualified vet nurses are available
Accessible and organized information is provided on the website
Cover provided for your home Euthanasia cover is available
Pet’s abroad cover is provided
4 types of policies (Accident Only, Time Limited, Max Benefit and Lifetime) are offered
Shorter claims window
Value for money New customers can get a 25% discount when they buy insurance policies online
A 10% multi pet discount is given
Up to £12,000 is provided to cover vet fees
Premiums increase when claims are made
Financial strength More Than Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc.
Technology Customer portal available to manage policy
Claim process can be done online
Very easy to navigate website, and access information on the website
No live chat or chat bot option
Safe rating for More Than home insurance

More Than pet insurance reviews: Defaqto and Trustpilot

Reviews
DefaqtoClassic (£8,000 Vets Fees) – All Options: 5 stars
Classic (£8,000 Vets Fees) – No Options: 5 stars
Premier (£12,000 Vets Fees): 5 stars
Premier (£4,000 Vets Fees): 5 stars
Classic (£4,000 Vets Fees) – All Options: 4 stars
Classic (£4,000 Vets Fees) – No Options: 4 stars
Basic (£1,500 Vets Fees) – All Options: 3 stars
Basic (£1,500 Vets Fees) – No Options: 3 stars
Basic (£3,000 Vets Fees) – All Options: 3 stars
Basic (£3,000 Vets Fees) – No Options: 3 stars
Accident Only – All Options: 1 star
Accident Only – No Option: 1 star

Trustpilot4.3/5 based on 10,418 reviews
Reviews on More Than pet insurance

What does More Than pet insurance cover?

More Than pet insurance for dogs

Cover TypeVet feesDeath by accidentDeath by illnessLost or stolenBoardingThird party liability
Accident Only£2,500 per accident for 12 months from the first date of treatmentnonononoyes
Lifetime£1,000 limit each condition each year – £4,000 total vet fee limit each yearyesnoyesyesyes
Lifetime£4,000 limit each condition each year – £12,000 total vet fee limit each yearyesnoyesyesyes
Maximum BenefitPer Condition Limit of £4,000 – No time limit on how long payments will be made as long as you renew your policy with no break in cover.yesnoyesyesyes
Maximum BenefitPer Condition Limit of £8,000 – No time limit on how long payments will be made as long as you renew your policy with no break in cover.yesnoyesyesyes
Time LimitedPer Condition Limit of £1,500 for 12 months from the first date of treatmentyesnonoyesyes
Time LimitedPer Condition Limit of £3,000 for 12 months from the first date of treatmentyesnonoyesyes
More Than pet insurance for dogs

More Than pet insurance for cats

Cover TypeVet feesDeath by accidentDeath by illnessLost or stolenBoarding
Accident Only£2,500 per accident for 12 months from the first date of treatmentnononono
Lifetime£1,000 limit each condition each year – £4,000 total vet fee limit each yearyesnoyesyes
Lifetime£4,000 limit each condition each year – £12,000 total vet fee limit each yearyesnoyesyes
Maximum BenefitPer Condition Limit of £4,000 – No time limit on how long payments will be made as long as you renew your policy with no break in cover.yesnoyesyes
Maximum BenefitPer Condition Limit of £8,000 – No time limit on how long payments will be made as long as you renew your policy with no break in cover.yesnoyesyes
Time LimitedPer Condition Limit of £1,500 for 12 months from the first date of treatmentyesnonoyes
Time LimitedPer Condition Limit of £3,000 for 12 months from the first date of treatmentyesnonoyes
More Than pet insurance for cats

None of the above pet insurance covers pre-existing medical conditions.

How much is More Than pet insurance?

How much is More Than pet insurance for dogs?

Cover typePolicy detailsMonthly premiumAnnual premiumStandard Excess
Accident Only£2,500 per accident£9.14£109.57£100
Lifetime£1,000 limit each condition each year£14.00£167.93£100 + 20% Voluntary Contribution
Lifetime£4,000 limit each condition each year£26.31£315.71£100 + 20% Voluntary Contribution
Maximum BenefitPer Condition Limit of £4,000£18.79£225.44£100 + 20% Voluntary Contribution
Maximum BenefitPer Condition Limit of £8,000£23.26£279.05£100 + 20% Voluntary Contribution
Time LimitedPer Condition Limit of £1,500£10.57£126.79£100 + 20% Voluntary Contribution
Time LimitedPer Condition Limit of £3,000£14.66£175.87£100 + 20% Voluntary Contribution
More Than pet insurance premiums for dogs

*Quotes above are for a pedigree dog of one year old, not neutered nor microchipped.

How much is More Than pet insurance for cats?

Cover typePolicy detailsMonthly premiumAnnual premiumStandard Excess
Accident Only£2,500 per accident£12.30£147.60£100
Lifetime£1,000 limit each condition each year£16.20£194.43£100 + 20% Voluntary Contribution
Lifetime£4,000 limit each condition each year£28.79£345.40£100 + 20% Voluntary Contribution
Maximum BenefitPer Condition Limit of £4,000£21.09£253.06£100 + 20% Voluntary Contribution
Maximum BenefitPer Condition Limit of £8,000£23.15£277.74£100 + 20% Voluntary Contribution
Time LimitedPer Condition Limit of £1,500£12.34£148.10£100 + 20% Voluntary Contribution
Time LimitedPer Condition Limit of £3,000£15.01£180.04£100 + 20% Voluntary Contribution
More Than pet insurance premiums for cats

*Quotes above are for a pedigree cat of one year old, not neutered nor microchipped.

How to contact More Than pet insurance?

More Than pet insurance phone numbers

How to contact More Than?Phone numbersOpening hours

Customer service

0330 102 3638​

Monday to Saturday 9am to 5pm

Claims

0330 100 7801

Monday to Friday 9am to 5pm

Sales

0330 100 7824

Monday to Saturday 9am to 5pm.

Vetfone helpline

0800 072 8190

24/7

How to contact More Than pet insurance

More Than pet insurance contact details

More Than contact details
Contact form

Contact form at More Than

Mail address

More Than Insurance
St Marks Court
RH12 1XL
Horsham
United Kingdom

Livechat

Not available

More Than contact details

How to log in to More Than customer portal?

Not available

How to claim at More Than pet insurance?

There are several reasons to report a claim on your pet insurance:

  • you had or will have to face significant vet fees or repeat medication;
  • your pet is missing;
  • your pet had or caused an accident etc.

At More Than, you can either contact their claims team on their general claims number or make a claim online by filling out a Claim Form downloadable from their website and submitting it to their email.

How to claim on your More Than pet insurance?
Claim online

You can report a claim by filling in and submitting the More Than claims form online via More Than Claims form

Claim by email

You can download the pdf copy of a claims form, fill it and submit it to: [email protected]

Claim by phone

0330 100 7801

How to report a claim on your More Than pet insurance?

Download More Than claim form

How to cancel your More Than pet insurance?

Cancellations can be done by getting in touch with the customer care representatives via email or phone.

How to cancel your More Than pet insurance?
Cancel by phone

0330 041 6156

Cancel by post

A letter can be sent to:
MORE THAN Customer Relations Team
PO Box 255
Wymondham
NR18 8DP

How to cancel your More Than pet insurance?

Our final opinion on More Than pet insurance

More Than is a trading name of Royal & Sun Alliance Insurance Group which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The company was launched by RSA Group in 2001. They offer a wide range of insurance products such as Car, Travel, Home, Van, Life, Business, etc and have also been involved in socially responsible projects.

Four levels of covers are offered which are the: Accident Only, Basic, Classic, and Premier options. The Premier cover option is also the lifetime policy and apart from offering the most comprehensive cover, it offers the highest level of cover for vet bills (up to £4,000 or £12,000) and also has a 5 Star rating from Defaqto. THe Accident Only cover option is the cheapest and it offers a sum of £2,500 in the case of an accident.

More Than Basic pffers between £1,500 or £3,000 in terms of cover and More Than Classic offers between £4,000 or £8,000

More Than pet insurance offers a good value for money but there are a few important points to understand before picking More Than, especially as a long term insurance option. Adequate thought as to what your pet requires especially long term has to be given before it is chosen. However, More Than pet insurance offers good services which can be seen from the customer care reviews on this party websites. Their services are recommended.