Is More Than Pet Insurance Worth It? Our Review 2025

Why trust HelloSafe?

At HelloSafe, our pet insurance expert reviews the terms and conditions and pricing of market insurance policies every year to provide you with reliable and impartial analysis. Thanks to this rigorous approach, hundreds of thousands of users across the UK trust HelloSafe each month to support them in making their most important financial decisions.

More Than Guarantees

More Than offers three pet insurance options—Basic (time-limited), Classic (maximum benefit per condition), and Premier (lifetime per condition)—each allowing you to choose your preferred annual vet fee cap and optional co-insurance (except a mandatory 20% after age 9). All formulas feature £100 fixed excess per claim, free access to the FirstVet 24/7 telemedicine service, EU travel cover, and direct vet payments; Premier alone includes chronic and behavioural illness cover, dental illness (up to £2,000), and the highest limits on third-party liability (up to £3m).

Cover excludes pre-existing conditions, preventive/routine care, dental illness (Basic/Classic), chronic illness (Basic), and any illness in the first 14 days or accidents in the first 48 hours; pets must be at least 8 weeks old.

Strengths for the UK market include annual benefit reset on Premier, strong behavioural/dental add-ons, comprehensive accident/travel/holiday benefits, and the high liability ceiling for dogs.

Main gaps are the absence of routine/preventive dental and vaccinations, low dental & no behaviour cover on lower tiers, the cap for death from illness stopping at 9 years, and mandatory co-pay for senior pets.

Informations importantes

• There is no cover for pre-existing conditions or routine and preventive care (including annual health checks, standard dental cleaning, vaccinations, flea/worming).
• No cover for chronic conditions under Basic or Classic once the per condition/time cap is reached; only Premier covers ongoing illness with annual reset.
• Death from illness/accident cover ends once pet is 9 years old.
• Vet fee/reimbursement is not a fixed percentage, but claims are paid up to the selected financial limit per cover type.
• All formulas require the pet to be at least 8 weeks old at policy start; the maximum entry age is not specified.
• Ambulatory and radiotherapy costs are not specifically listed; check wording for details.
• The excess applies per condition, and for pets from 9 years, a 20% co-pay is mandatory in addition to the fixed excess.

Start comparing pet insurance options now to ensure you get the best price for your pet’s health.

Exclusions from More Than

Exclusions in More Than pet insurance follow the industry standard on pre-existing conditions, waiting periods (14 days for illness, 48 hours for accident), and non-covered routine, elective, or cosmetic procedures, but certain distinctions stand out.

All policies universally exclude any claims once the selected vet fee limit or duration is reached—even chronic conditions—unless you remain on the "Lifetime" Premier cover continuously, which isn't always highlighted as strictly by competitors.

Aggressive, working, or commercial-use pets, as well as all breeds banned under the Dangerous Dogs Act (including derivatives), are firmly excluded, with stricter enforcement compared to some UK providers.

Behavioural treatments and dental illness are only covered at the Premier level and strictly require veterinary prescription—a threshold that leaves many pets without support in lower tiers, which is a narrower definition than several mainstream rivals.

Claims post-cancellation, for pets under 8 weeks, or where DEFRA travel rules are breached are also denied, and direct cover for fines or court-ordered euthanasia is only for humane grounds, so compliance on ownership and policyholder obligations is paramount.

More Than Prices

Overall, More Than positions itself in the UK pet insurance market at a median price point, offering a blend of competitive pricing and a broad level of cover for both cats and dogs. The range of policies, from time-limited Basic to true Lifetime Premier, means owners can flexibly match guarantees to budget, but limitations apply on Basic and Classic (notably for dental illness and chronic/recurrent conditions), while only Premier provides full long-term and behavioural cover.

Flat-rate excess and flexible co-insurance options can help manage members’ out-of-pocket costs, though owner contributions will rise with age (20% mandatory after age 9). Unlike some newer pure digital players, More Than operates a multi-channel claims and support system (phone, web, email) but also offers 24/7 FirstVet, which is a clear plus; however, absence of a fully digital experience and mixed customer reviews on speed of claims mean its cost structure stays average rather than ultra-low.

More Than is thus best described as in a median market position—neither among the cheapest, nor the most premium, but typically appropriate for pet owners seeking balanced cover without paying above-market rates for comprehensive lifelong protection.

To find the best deal for your pet, always compare several insurers, as prices and services can vary significantly by pet type, age, and needs.

More Than promo codes

Note: Promo codes may change. For the most up-to-date promo offers, please refer to our comparison of the best pet insurance.

How much will I be reimbursed with More Than?

More Than reimburses your veterinary fees based on the specific policy limit, minus the fixed excess and, if applicable, a co-insurance percentage. For the Premier policy (More Than's most comprehensive, lifetime cover), you benefit from the highest vet fee limits per condition per year, including dental illness, behaviour therapy, and even certain prescription diets. Here are clear examples of how claims would be reimbursed so you can see exactly what your out-of-pocket costs would be, compared to being uninsured:

Example 1: Mast Cell Tumour Surgery (Premier, £4,000 per condition/year)

Total vet fees: £2,800 (consultation, diagnostics, surgery, post-op care)
Fixed excess: £100 per condition per insurance year (applied first)
Co-insurance (chosen: 10%): £270 (10% of £2,700)

Calculation:
- Amount to claim after excess: £2,800 – £100 = £2,700
- 10% co-insurance: £2,700 × 10% = £270 (pet owner's responsibility)
- Reimbursed amount: £2,700 – £270 = £2,430

👉 You receive £2,430 paid to you (or to your vet), covering the vast majority of this serious treatment.
Your out-of-pocket cost: £100 (excess) + £270 (co-insurance) = £370
ℹ️ Without insurance, you would be responsible for the full £2,800 at once.
The reimbursement applies for each covered condition within your annual limit, and the limit refreshes every year for ongoing treatments.

Example 2: Dental Illness Treatment (Premier, £4,000 per condition/year)

Total vet fees: £900 (dental X-rays, scaling, extractions for severe gingivitis)
Fixed excess: £100 (already paid during earlier claim for a different condition this year)
Co-insurance (chosen: 10%): £80 (10% of £800)

Calculation:
- Dental illness limit (within vet fees): up to £2,000 per year (here, full amount is eligible)
- Amount to claim after excess: £900 – £100 = £800
- 10% co-insurance: £800 × 10% = £80
- Reimbursed amount: £800 – £80 = £720

👉 You receive £720 for this dental procedure.
Your out-of-pocket cost: £100 (excess) + £80 (co-insurance) = £180
ℹ️ Dental illness is only covered at Premier level and is capped at £2,000 per year within the total vet fee limit. Routine cleaning without illness is not covered.

Example 3: Behavioural Therapy (Premier, £4,000 per condition/year)

Total fees: £500 (consultation and six sessions with a vet-referred behaviourist for anxiety)
Fixed excess: £100 (first claim for behaviour this year)
Co-insurance (chosen: 10%): £40 (10% of £400)

Calculation:
- Behavioural therapy annual cover: up to £1,000 (within vet fee limit)
- Amount to claim after excess: £500 – £100 = £400
- 10% co-insurance: £400 × 10% = £40
- Reimbursed amount: £400 – £40 = £360

👉 You receive £360 for behaviour sessions.
Your out-of-pocket cost: £100 (excess) + £40 (co-insurance) = £140
ℹ️ Behavioural therapy is only reimbursed at Premier level, and only when referred by your vet for a medical problem.

More Than Assistance

The inclusion of unlimited 24/7 remote vet consultations with FirstVet is a key asset, offering policyholders instant access to professional advice without impacting claim limits.
Direct vet payments are possible, enabling claims to be paid straight to the veterinary practice if agreed, which simplifies costs for clients, but this is not a true “pre-approval” or fee advance system like those offered by a few UK providers.

While claims can be managed online across multiple channels, there is no dedicated More Than mobile app for claims or policy management—features increasingly sought in the UK for convenience.
The absence of a structured partner vet/clinic network and a lack of explicit claim pre-approval or payment card systems may delay processes in urgent scenarios.

Abroad, pets are insured for short EU trips (up to 60 days per trip, 3 trips a year), but not for longer stays, and coverage is capped to UK vet fee limits.

Customer feedback on More Than

We have analysed the reviews from the site listed above. On the positive side, customers with a More Than pet insurance contract often mention:

• A handful of supportive staff interactions: some policyholders describe individual staff members as going over and above to help, especially in complex or urgent cases.
• Occasional fast claim approvals: a small number of reviewers report that their first claims were handled quickly, with approval and payout taking less than two weeks in certain situations.
• Affordable premiums for some: a minority of customers appreciate the relatively low cost of premiums, especially for basic or single-pet plans.
• Practical access to online vet consultations: the inclusion of 24/7 online pet consultations via FirstVet is valued when accessible and functional.

On the negative side:

• Significant delays and denials in claims processing: many policyholders experience long waiting periods, complicated requirements, and denials based on technicalities or very small print.
• Repeated issues with customer service: there are widespread complaints about poor communication, long hold times, unhelpful or uninformed agents, and difficulty reaching a resolution when issues arise.
• Sharp and unexpected premium increases: numerous customers feel misled after steep cost rises at renewal—sometimes double or more—even for long-time clients.
• Disruption and confusion caused by underwriter changes: the recent transition to Admiral is blamed for added confusion, dropped information, and inconsistent service levels.
• Frustration with outdated or inaccessible processes: several reviewers express annoyance at difficulties accessing policy documents, reliance on postal mail only for renewals, or the inability to manage their policies or claims conveniently online.
• Denial of claims due to alleged pre-existing conditions: customers report that claims are frequently refused based on tenuous links to previous health issues or treatments, which are retroactively labelled as pre-existing.
• Allegations of unfair or opaque practices: some users describe their experience as feeling tricked or discouraged from claiming, and use strong negative language towards the insurer’s overall approach.

How can I contact More Than?

FAQ

Charlotte Green

Finance content specialist

Charlotte is a finance content specialist with a sharp analytical mind and a strong academic background. She holds a degree in Philosophy, Politics and Economics (PPE) from the University of Oxford and a Master’s in Behavioural Economics from the London School of Economics. Her academic training gave her the tools to make sense of complex financial systems—and to explain them in a way that’s both smart and relatable. Before joining HelloSafe, Charlotte worked in editorial roles for financial media and strategy firms, where she focused on personal finance, digital banking, and policy analysis. She is passionate about helping people make informed decisions about their money, especially in an age where the financial landscape is changing fast. At HelloSafe, she covers key topics such as insurance, tax, utilities, credit and budgeting tools. Her mission: provide clear, honest and actionable insights that empower readers to take control of their financial lives with confidence.