Is More Than The Best Pet Insurance Company?
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 rating | Our 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 |
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More Than pet insurance reviews: Defaqto and Trustpilot
| Reviews | |
|---|---|
| Defaqto | Classic (£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 |
| Trustpilot | 4.3/5 based on 10,418 reviews |
What does More Than pet insurance cover?
More Than pet insurance for dogs
| Cover Type | Vet fees | Death by accident | Death by illness | Lost or stolen | Boarding | Third party liability |
|---|---|---|---|---|---|---|
| Accident Only | £2,500 per accident for 12 months from the first date of treatment | no | no | no | no | yes |
| Lifetime | £1,000 limit each condition each year - £4,000 total vet fee limit each year | yes | no | yes | yes | yes |
| Lifetime | £4,000 limit each condition each year - £12,000 total vet fee limit each year | yes | no | yes | yes | yes |
| Maximum Benefit | Per 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. | yes | no | yes | yes | yes |
| Maximum Benefit | Per 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. | yes | no | yes | yes | yes |
| Time Limited | Per Condition Limit of £1,500 for 12 months from the first date of treatment | yes | no | no | yes | yes |
| Time Limited | Per Condition Limit of £3,000 for 12 months from the first date of treatment | yes | no | no | yes | yes |
More Than pet insurance for cats
| Cover Type | Vet fees | Death by accident | Death by illness | Lost or stolen | Boarding |
|---|---|---|---|---|---|
| Accident Only | £2,500 per accident for 12 months from the first date of treatment | no | no | no | no |
| Lifetime | £1,000 limit each condition each year - £4,000 total vet fee limit each year | yes | no | yes | yes |
| Lifetime | £4,000 limit each condition each year - £12,000 total vet fee limit each year | yes | no | yes | yes |
| Maximum Benefit | Per 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. | yes | no | yes | yes |
| Maximum Benefit | Per 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. | yes | no | yes | yes |
| Time Limited | Per Condition Limit of £1,500 for 12 months from the first date of treatment | yes | no | no | yes |
| Time Limited | Per Condition Limit of £3,000 for 12 months from the first date of treatment | yes | no | no | yes |
Good to know
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 type | Policy details | Monthly premium | Annual premium | Standard 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 Benefit | Per Condition Limit of £4,000 | £18.79 | £225.44 | £100 + 20% Voluntary Contribution |
| Maximum Benefit | Per Condition Limit of £8,000 | £23.26 | £279.05 | £100 + 20% Voluntary Contribution |
| Time Limited | Per Condition Limit of £1,500 | £10.57 | £126.79 | £100 + 20% Voluntary Contribution |
| Time Limited | Per Condition Limit of £3,000 | £14.66 | £175.87 | £100 + 20% Voluntary Contribution |
*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 type | Policy details | Monthly premium | Annual premium | Standard 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 Benefit | Per Condition Limit of £4,000 | £21.09 | £253.06 | £100 + 20% Voluntary Contribution |
| Maximum Benefit | Per Condition Limit of £8,000 | £23.15 | £277.74 | £100 + 20% Voluntary Contribution |
| Time Limited | Per Condition Limit of £1,500 | £12.34 | £148.10 | £100 + 20% Voluntary Contribution |
| Time Limited | Per Condition Limit of £3,000 | £15.01 | £180.04 | £100 + 20% Voluntary Contribution |
*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 numbers | Opening 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 |
More Than pet insurance contact details
| More Than contact details | |
|---|---|
| Contact form | |
| Mail address | More Than Insurance |
| Livechat | Not available |
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 |
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: |
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.
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