Is More Than Pet Insurance Worth It? Our Review 2025
Our Expert's Opinion on More Than
More Than, operated by EUI Limited within the Admiral Group, is a well-established UK pet insurer offering a broad selection of cover options for dogs and cats. Its product range is structured across three primary tiers: Basic (time-limited), Classic (maximum benefit per condition), and Premier (per-condition, lifetime with annual resets to cover ongoing or chronic illnesses), each with a fixed £100 excess per claim and tiered annual or per-condition limits ranging from £1,000 up to £8,000. Reimbursement is subject to the level selected, with optional co-insurance (0–20%) for pets under 9 and mandatory 20% for older animals, making costs controllable but less advantageous for older pets. Notably, Premier plans deliver higher dental and behavioural coverage than most direct competitors, and all tiers include unlimited FirstVet video consultations. More Than is positioned mid-market on price, combining robust core insurance with well-developed emergency, travel, and liability features, and stands out for its flexible, multi-animal pricing and digital claims. The contract best suits owners of younger pets, households wanting comprehensive EU travel cover, or those seeking 24/7 UK veterinary teleconsulting—while cover is broad, increases in premiums at renewal and post-claim should be expected, particularly for older or pedigree animals. The insurer benefits from Admiral Group's solid financial strength (Admiral: £4.6bn gross written premiums, 2023), is FSCS-protected, but currently faces a weak Trustpilot perception, with a predominantly negative review trend since switching to Admiral as underwriter; reports cite delayed claims handling, poor customer service, and a lack of transparency over renewals or exclusions, though rare positive feedback notes quick claims for simpler cases. Average claims processing time is variable, with many users experiencing multi-week or longer waits, sometimes beyond market standards.
- Wide choice of cover tiers, including true lifetime Premier
- £100 fixed excess; choice of co-insurance until age 9
- Unlimited FirstVet 24/7 teleconsultation, not counted in claim caps
- Dental illness and behavioural treatment covered on Premier
- Flexible multi-pet discount and easy online management
- Strong veterinary emergency, liability (£3M) and EU travel guarantees
- Backed by financially robust Admiral Group (FSCS protected)
- Frequent premium increases at renewal and after claims
- Customer service and claims delays reported since move to Admiral
- Strict exclusions for pre-existing/older conditions
- Dental illness, behaviour not covered below Premier
- Negative overall user feedback on Trustpilot
- More Than Guarantees
- Exclusions from More Than
- More Than Rates
- Assistance More Than
- Customer feedback on More Than
- How to contact More Than?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms and pricing of leading policies on the market each year to deliver you reliable and impartial analysis. Thanks to this rigorous approach, hundreds of thousands of users in the UK trust us every month to help guide them in making their most important financial decisions.
More Than Guarantees
More Than offers three main types of pet insurance for cats and dogs—Basic (time-limited), Classic (maximum benefit per condition), and Premier (lifetime, per condition with annual limit), each tailored to different budget and coverage expectations. Across all formulas, the insurer stands out by providing access to 24/7 FirstVet teleconsultations (UK-qualified vets) with no impact on reimbursement limits, and including broad ancillary benefits such as lost pet advertising, third-party liability, and European travel with relevant limits. Reimbursement rates depend on the chosen co-insurance (0%, 10% or 20% below age 9, 20% mandatory from 9 years); franchise (excess) is a fixed £100 per claim, and annual vet fee limits span from £1,000 to £8,000. Premier is particularly strong for ongoing or chronic conditions due to annual limit reloading per illness and advanced cover for dental illness and behavioural problems, but all plans systematically exclude cover for pre-existing conditions, preventive care, hereditary diseases, and most dental care except accidents (except higher-tier Premier). Note the main limitations: restriction of illness death benefit to under age 9, no routine preventive reimbursement, and potentially sharp premium increases year-on-year or after claims.
| Name of Guarantee | Basic (£1,500 / £3,000) | Classic (£4,000 / £8,000) | Premier (£1,000 / £2,000 / £4,000 / £6,000) |
|---|---|---|---|
| Formula positioning | Entry-level time-limited, budget-focused | Intermediate, per condition, unlimited duration | High-end, lifetime, annual reload per condition |
| Type of coverage | Accident and illness | Accident and illness | Accident and illness |
| Animals covered | Cats and dogs | Cats and dogs | Cats and dogs |
| Reimbursement rate (%) | 0%, 10% or 20% chosen ( | 0%, 10% or 20% chosen ( | 0%, 10% or 20% chosen ( |
| Annual vet fee limit | £1,500 or £3,000 per condition/12 months | £4,000 or £8,000 per condition (no time limit) | £1,000 / £2,000 / £4,000 / £6,000 per year per condition |
| Excess (per claim or yearly) | £100 per claim | £100 per claim | £100 per claim |
| Min/Max age at enrolment (cats, dogs) | Cat: Minimum 8 weeks, no max / Dog: Minimum 8 weeks, no max | Cat: Minimum 8 weeks, no max / Dog: Minimum 8 weeks, no max | Cat: Minimum 8 weeks, no max / Dog: Minimum 8 weeks, no max |
| Health questionnaire before acceptance? | No | No | No |
| Waiting period illness (days) | 14 days | 14 days | 14 days |
| Waiting period accident (days) | 48 hours | 48 hours | 48 hours |
| Lifetime cover once insured? | Yes, as long as policy renewed (limitations per product type) | Yes, as long as policy renewed (limitations per product type) | Yes, as long as policy renewed (annual reload per condition) |
| Vet consults (routine, specialist, ER etc.) | Covered within annual limit | Covered within annual limit | Covered within annual limit |
| Prescribed medication | Covered within annual limit | Covered within annual limit | Covered within annual limit |
| Hospitalisation | Covered within annual limit | Covered within annual limit | Covered within annual limit |
| Ambulance costs | Covered within annual limit | Covered within annual limit | Covered within annual limit |
| Surgery, anaesthesia | Covered within annual limit | Covered within annual limit | Covered within annual limit |
| Scans, MRI, ultrasound | Covered within annual limit | Covered within annual limit | Covered within annual limit |
| Labs & diagnostics | Covered within annual limit | Covered within annual limit | Covered within annual limit |
| Radiotherapy | Covered within annual limit | Covered within annual limit | Covered within annual limit |
| Dental treatment (accident) | Covered within annual limit | Covered within annual limit | Covered within annual limit |
| Dental treatment (illness) | Not covered | Not covered | £1,000-£2,000 per year, depending on limit |
| Descaling | Not covered | Not covered | Not covered |
| Preventive care (vaccines, etc.) | Not covered | Not covered | Not covered |
| Alternative therapy (acupuncture, physio, etc.) | Up to £500 per year (within main limit) | Up to £1,000 per year (within main limit) | Up to £1,500 per year (within main limit) |
| Prescription diet/therapeutic food | Only for urinary/calculus/kidney/thyroid, limited cover (£NC) | Only for urinary/calculus/kidney/thyroid, limited cover (£NC) | £500 per year (not obesity/hygiene) |
| Travel (UK/EU coverage) | Yes, up to vet fee limit per year (max 3 trips, 60 days each) | Yes, up to vet fee limit per year (max 3 trips, 60 days each) | Yes, up to vet fee limit per year (max 3 trips, 60 days each) |
| Death (accident) | Up to £500 per year | Up to £1,000 per year | Up to £2,000 per year |
| Death (illness, under 9) | Up to £500 per year | Up to £1,000 per year | Up to £2,000 per year |
| Euthanasia | Included as part of vet fee cover | Included as part of vet fee cover | Included as part of vet fee cover |
| Theft/straying and advertising/rewards | Advertising/reward: £1,000 max; loss: £1,000 max | Advertising/reward: £1,000 max; loss: £1,000 max | Advertising/reward: £2,000 max; loss: £2,000 max |
| Kennel/cattery fees (emergency boarding) | Up to £1,000 per year | Up to £1,000 per year | Up to £1,000 per year |
Good to know
There is no cap on the number of claims per year, but for Basic and Classic, each medical condition is only covered once (Basic: up to 12 months, Classic: until limit is used up); Premier reloads allowance annually per condition. Chronic/pre-existing illnesses, preventive or routine care, behavioural issues (except in Premier), and most dental work (outside Premier) are excluded. Cover is only valid for non-working pets and standard breeds; travel coverage is restricted to the EU (Pet Travel Scheme) and up to 3 trips/year, each no longer than 60 days. Once your pet turns 9, a 20% co-payment applies to every claim, regardless of plan. Claims for death from illness are not payable if your pet is aged 9 or over; claims require comprehensive veterinary history and are generally settled upon receipt of all documents.
Exclusions from More Than
The exclusions in More Than's pet insurance contract are broadly in line with the UK market, but some deserve particular attention for comparison. Pre-existing illnesses or injuries, as well as anything arising within the waiting periods (14 days for illness, 48 hours for accident), are systematically excluded, and this is firmly enforced on claims. Dental care for illness is generally not covered, except in the most comprehensive Premier plans (and with set monetary limits), making dental exclusions more restrictive than some top competitors. Any pet used for professional work (guarding, racing, breeding), as well as certain legally restricted dog breeds, are not eligible at all—this is strictly checked. For cover abroad, both destination and duration are tightly capped (EU only, max three trips and 60 days per trip), and failing Pet Travel Scheme rules or vaccination schedules will void any claim made while travelling.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (diagnosed or undiagnosed signs/symptoms before policy started) - Illness/accident within waiting periods (14d illness/48h accident) - Hereditary/congenital conditions if symptoms before start - Costs for non-prescribed treatments/meds - Preventive care, elective/cosmetic treatments, non-essential therapies - Dental care for illness (except monetary limit in Premier plans) - Behavioural problems (except Premier and within limits) - Protheses except hip/knee/elbow replacements - Organ/tissue transplantation |
| Age and breed exclusions | - Policy for cats/dogs only (aged >8 weeks at start) - Death/illness cover ends at 9 years of age - Certain breeds excluded by law (Dangerous Dogs Act or insurer’s list) |
| Geographical/travel exclusions | - Cover abroad limited to EU & listed territories only (under Pet Travel Scheme rules) - Max 3 trips/year, 60 days/trip - No cover if Pet Travel Scheme/vaccine requirements not met - Medical care outside UK/EU not covered |
| Use/role of pet exclusions | - No cover for pets used for work, guarding, coursing, or professional breeding - No cover for commercial/utility animals |
| Administrative exclusions | - No cover if premiums not paid up to date - Fraud or misrepresentation voids cover - Claims not supported with proper documentation (invoices, medical records, etc.) - Failure to seek timely vet care or to follow medical advice voids related claims |
| Identification/microchip exclusions | - No cover if microchipping/identity requirements not followed (esp. for travel & loss/theft claims) |
- Illness/accident within waiting periods (14d illness/48h accident)
- Hereditary/congenital conditions if symptoms before start
- Costs for non-prescribed treatments/meds
- Preventive care, elective/cosmetic treatments, non-essential therapies
- Dental care for illness (except monetary limit in Premier plans)
- Behavioural problems (except Premier and within limits)
- Protheses except hip/knee/elbow replacements
- Organ/tissue transplantation
- Death/illness cover ends at 9 years of age
- Certain breeds excluded by law (Dangerous Dogs Act or insurer’s list)
- Max 3 trips/year, 60 days/trip
- No cover if Pet Travel Scheme/vaccine requirements not met
- Medical care outside UK/EU not covered
- No cover for commercial/utility animals
- Fraud or misrepresentation voids cover
- Claims not supported with proper documentation (invoices, medical records, etc.)
- Failure to seek timely vet care or to follow medical advice voids related claims
More Than Rates
Overall, More Than positions itself close to the middle of the UK pet insurance market in terms of price, with a range that adapts to varying expectations. The Basic and Classic plans remain accessible, but coverage limits (time-limited or by condition only) mean they are best suited for owners seeking core protection at contained cost. Premier stands out among mainstream insurers for generous annual per-condition lifetime limits, including higher dental and behavioural care, which makes this option relatively more expensive but comprehensive. Fixed deductibles (£100 per claim) and the shift to mandatory 20% co-pay at age 9 impact long-term value; price escalation at renewal, especially post-claim or with advancing age, can place More Than above purely budget providers. The digital experience is solid for claims submission and remote vet consultations, but service reliability and complaint handling receive mixed reviews, justifying a clear focus on comparing both cover and price.
| Basic (£1,500) | Basic (£3,000) | Classic (£4,000) | Classic (£8,000) | Premier (£1,000) | Premier (£2,000) | Premier (£4,000) | Premier (£6,000) | |
|---|---|---|---|---|---|---|---|---|
| Young cat (2–4 yrs) | £10 | £13 | £17 | £22 | £19 | £22 | £28 | £33 |
| Senior cat (7–8 yrs) | £16 | £21 | £27 | £36 | £32 | £37 | £48 | £56 |
| Small dog | £12 | £17 | £23 | £30 | £24 | £28 | £39 | £47 |
| Small dog (2–4 yrs) | £13 | £17 | £24 | £31 | £25 | £29 | £40 | £48 |
| Large dog (2–4 yrs) | £17 | £21 | £29 | £40 | £32 | £39 | £51 | £61 |
| Senior dog (7–8 yrs) | £27 | £34 | £47 | £65 | £54 | £66 | £86 | £106 |
For the best value, always compare coverage and pricing across multiple insurers before you buy, so you pay only for what your pet truly needs.
👉 Compare pet insurance plans for freeStart saving on vet billsMore Than promo codes
| More Than promo codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes may change. For the latest codes, visit our comparison of the best pet insurance policies.
How much will I be reimbursed with More Than?
| Type of care | Average price (GB) | More Than – Premier Plan (reimbursement with £100 excess, 0% co-payment, under 9 years old) |
|---|---|---|
| Vaccinations | £60 | Reimbursed £60 Out-of-pocket: £0 (excluding excess) |
| Neutering/spaying | £220 | Reimbursed £0 Out-of-pocket: £220 (excluding excess) (not covered) |
| Broken leg (fracture repair) | £1,500 | Reimbursed £1,500 Out-of-pocket: £0 (excluding excess) |
| Gastroenteritis (consult+meds+lab) | £350 | Reimbursed £350 Out-of-pocket: £0 (excluding excess) |
| Dental injury (tooth extraction after accident) | £400 | Reimbursed £400 Out-of-pocket: £0 (excluding excess) |
Out-of-pocket: £0 (excluding excess)
Out-of-pocket: £220 (excluding excess) (not covered)
Out-of-pocket: £0 (excluding excess)
Out-of-pocket: £0 (excluding excess)
Out-of-pocket: £0 (excluding excess)
Assistance More Than
The main strength of More Than’s assistance offer lies in the unlimited 24/7 access to remote vet consultations through FirstVet, providing owners with qualified UK-registered advice without affecting claim limits. Payment of claims can be made directly to veterinary practices, offering reassurance in emergencies, although this is not a strict “advance of fees” but rather subject to conditions and vet agreement. There is no dedicated network of partner clinics, and the claim process is mainly digital via online forms or phone, but the absence of a proprietary mobile app prevents a truly seamless and user-guided experience for claim tracking or support. Emergency boarding and pet-sitting in case of owner hospitalisation are included, yet no extended helpline, travel, or legal assistance outside of core claims is provided. Cover outside the UK is strictly limited to short trips within the EU/EEA under Pet Travel Scheme rules and only for up to 60 days per journey (three trips per year), with no support for longer stays or moves abroad.
| Assistance More Than | Available? | Details |
|---|---|---|
| Advance of fees | ❌ | No advance payment system (like Payvet or Carecredit). Payment can be made directly to the vet, if the vet agrees and documents are submitted. |
| Payment facilities | ✅ | Annual or monthly payments available by card or direct debit. Monthly is not interest-free; no explicit 3x free payment option mentioned. |
| Mobile application | ❌ | No proprietary More Than app for pet insurance management. Access and claim tracking only via web forms or phone. |
| Dematerialised claims management | ✅ | Claims submitted online or by phone. Direct upload of documents but not app-based; no real-time claim status via mobile. |
| Emergency veterinary service | ✅ | Unlimited 24/7 online vet consultations via FirstVet (video or phone). No in-person emergency vet hotline or home visit support. |
| Veterinary/clinic network | ❌ | No list of partner vets or preferential network. Owner free to use any vet in the UK, subject to contract/T&Cs. |
| Cover abroad | ✅ | Valid within EU/EEA only for short stays (max 60 days per trip, 3 trips/year). No cover outside the EEA or for permanent moves abroad. |
Customer feedback on More Than
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | Around 1.5/5, approx. 4,500 reviews |
We have analysed the reviews from the sites listed above. On the positive side, customers who have subscribed to a More Than pet insurance policy for their animal sometimes mention:
- A few individual customer advisors who are exceptionally helpful and responsive: customer service, when effective, is particularly appreciated in person-to-person situations.
- The possibility of obtaining a quick appointment with a veterinarian thanks to insurance: some customers found virtual appointments (FirstVet) helpful and accessible.
- Rare instances of swift claims approval: occasional claims processed within hours provide satisfaction.
On the negative side:
- A majority of customers describe an extremely difficult customer service experience, with long call hold times, lack of response, or having to call back repeatedly with unresolved issues.
- Claims handling is often considered unsatisfactory: unacceptable delays of several weeks or months, claims not paid or excessively delayed, and an overall lack of transparency regarding excess amounts and reimbursement conditions.
- A perceived tendency by the insurer to look for reasons to refuse claims, including referencing pre-existing conditions and sometimes being accused of acting in bad faith.
- Numerous clients highlight a marked deterioration in service quality since the change of underwriter to Admiral, with abrupt and unexplained increases in premiums after renewal and persistent technical problems (notably with online document submission).
- Unexpected costs and additional fees (including excess charges) can occur, not always clearly set out at the contract outset.
- Renewal premiums are judged very expensive, sometimes doubling from one year to the next without clear justification.
- The cancellation and refund policy is judged unfair and non-transparent by customers, especially for mid-term cancellations.
- Restrictions on the use of certain vets can force policyholders to travel long distances, with some customers viewing the approved vet network as too limited.
- Standardised apologies and requests to contact support are frequent in review responses, but many customers state that direct follow-up and actual problem resolution remain lacking after these messages.
How to contact More Than?
| Service client More Than | Détails |
|---|---|
| For a quote or to subscribe online | You can use HelloSafe's best pet insurance comparison tool, pick the right plan and click to get a quote. Alternatively, go directly to the official website: morethan.com/pet-insurance/. |
| To request and track a reimbursement | Report your claim online on the More Than website or contact the claims service: - By phone: 0333 777 7388 - By email: [email protected] Required documents: claim form, detailed invoices, medical history, proof of purchase/adoption in case of death/loss, veterinary certificate. Direct payment to the vet possible under certain conditions. Average observed reimbursement time: from a few days to several weeks (delays sometimes reported as very slow according to customer reviews). |
| To obtain an insurance certificate | Request a certificate: - By phone: 0333 777 7388 - By email: [email protected] Provide your contract number and the required information for issuing the document. You may also access your client area online to download your certificate if available. |
| To contact support | To consult a vet remotely (FirstVet), use the included 24/7 service via the FirstVet app. For support (questions, emergencies, contract updates): - Phone: 0333 777 7388 - Email: [email protected] For complex situations or complaints, contact: - Pet Complaint Manager, Cardiff, tel: 0330 333 5888, email: [email protected] |
| To cancel my contract | Cancellation by registered mail (recommended for proof), phone, or email: - Postal address: MORE THAN, St Marks Court, RH12 1XL, Horsham, United Kingdom - Phone: 0333 777 7388 - Email: [email protected] Required: policy number, identification, reason for cancellation, supporting documents in case of death/sale/cessation. Notice period: usually at least 14 days from notification, except for retraction (legal period of 14 days after subscription). If cancelled due to death/theft of the animal, pro-rata reimbursement applies. Note: after the retraction period, mid-year cancellation may not result in reimbursement unless under special circumstances. |
Alternatively, go directly to the official website: morethan.com/pet-insurance/.
- By phone: 0333 777 7388
- By email: [email protected]
Required documents: claim form, detailed invoices, medical history, proof of purchase/adoption in case of death/loss, veterinary certificate.
Direct payment to the vet possible under certain conditions.
Average observed reimbursement time: from a few days to several weeks (delays sometimes reported as very slow according to customer reviews).
- By phone: 0333 777 7388
- By email: [email protected]
Provide your contract number and the required information for issuing the document.
You may also access your client area online to download your certificate if available.
For support (questions, emergencies, contract updates):
- Phone: 0333 777 7388
- Email: [email protected]
For complex situations or complaints, contact:
- Pet Complaint Manager, Cardiff,
tel: 0330 333 5888,
email: [email protected]
- Postal address: MORE THAN, St Marks Court, RH12 1XL, Horsham, United Kingdom
- Phone: 0333 777 7388
- Email: [email protected]
Required: policy number, identification, reason for cancellation, supporting documents in case of death/sale/cessation.
Notice period: usually at least 14 days from notification, except for retraction (legal period of 14 days after subscription).
If cancelled due to death/theft of the animal, pro-rata reimbursement applies.
Note: after the retraction period, mid-year cancellation may not result in reimbursement unless under special circumstances.
FAQ
Do I have to pay vet bills upfront with More Than?
With More Than pet insurance, you usually need to pay your vet bills first, then claim reimbursement. However, in some cases and with certain vets, More Than may pay the vet directly if the vet agrees, but this isn't guaranteed. Always check with both your vet and More Than before treatment to confirm whether direct payment is possible.
How do I cancel my More Than pet insurance policy?
To cancel your More Than pet insurance, you should contact their customer service by phone or email, ideally providing at least 14 days' notice before your desired end date. You may be asked for your policy number and written confirmation. Supporting documents, such as proof of a new policy, may be requested in some cases.
What types of pet insurance plans does More Than offer?
More Than offers three main types of cover: Basic (Time Limited), Classic (Maximum Benefit), and Premier (Lifetime per Condition), with different annual limits and coverage features. Each option is designed to cater to different needs and budgets, so compare the benefits and exclusions carefully to find the right fit for you and your pet.
Are pre-existing conditions covered by More Than pet insurance?
No, More Than does not cover pre-existing conditions. This means any illness or injury—diagnosed or not—that showed symptoms before your policy started (or during the waiting period) will be excluded from cover. Always review their full list of exclusions to understand what is and isn't covered for your pet.
Does More Than pet insurance cover travel abroad with my pet?
Yes, all More Than plans include cover for vet fees in the EU under the Pet Travel Scheme, for up to three trips per year (maximum 60 days each). Make sure you comply with all official travel requirements and that your destination is included, as conditions and limits apply. Always check your schedule of benefits before travelling.
Do I have to pay vet bills upfront with More Than?
With More Than pet insurance, you usually need to pay your vet bills first, then claim reimbursement. However, in some cases and with certain vets, More Than may pay the vet directly if the vet agrees, but this isn't guaranteed. Always check with both your vet and More Than before treatment to confirm whether direct payment is possible.
How do I cancel my More Than pet insurance policy?
To cancel your More Than pet insurance, you should contact their customer service by phone or email, ideally providing at least 14 days' notice before your desired end date. You may be asked for your policy number and written confirmation. Supporting documents, such as proof of a new policy, may be requested in some cases.
What types of pet insurance plans does More Than offer?
More Than offers three main types of cover: Basic (Time Limited), Classic (Maximum Benefit), and Premier (Lifetime per Condition), with different annual limits and coverage features. Each option is designed to cater to different needs and budgets, so compare the benefits and exclusions carefully to find the right fit for you and your pet.
Are pre-existing conditions covered by More Than pet insurance?
No, More Than does not cover pre-existing conditions. This means any illness or injury—diagnosed or not—that showed symptoms before your policy started (or during the waiting period) will be excluded from cover. Always review their full list of exclusions to understand what is and isn't covered for your pet.
Does More Than pet insurance cover travel abroad with my pet?
Yes, all More Than plans include cover for vet fees in the EU under the Pet Travel Scheme, for up to three trips per year (maximum 60 days each). Make sure you comply with all official travel requirements and that your destination is included, as conditions and limits apply. Always check your schedule of benefits before travelling.
