Our honest review of More Than pet insurance
More Than Pet Insurance is operated by EUI Limited (Admiral Group plc) and offers the broadest plan range in the UK market: 9 plan options across Basic (Time Limited, £1.5k / £3k), Classic (Maximum Benefit, £4k / £8k), and Premier Lifetime (£1k / £2k / £4k / £6k / £12k). The fixed excess is £100 per condition per year and a 20% co-payment applies from age 9 across all plans. Waiting periods are 48 hours for accidents and 14 days for illness. FirstVet 24/7 video consultations are included free across the product range — a meaningful inclusion that does not deduct from the annual vet fee limit. Trustpilot at 3.7/5 from 15,991 reviews sits in the mid range of the UK pet insurance segment. The structural concerns are typical of multi-line group operators: pet is not the dedicated specialism, and the multi-entity escalation path (More Than → EUI → Admiral Insurance Gibraltar → FOS) is more complex than a single-underwriter specialist.
Our take: compare before signing up. With Waggel, there is no automatic age-related co-payment trigger (co-payment is optional configuration at quote), vs 20% co-pay from age 9 at More Than.
Strengths
- 9 plan options across Time Limited, Maximum Benefit and Lifetime structures — broadest UK range
- FirstVet 24/7 video consultations included free (does not deduct from annual vet fee limit)
- Premier Lifetime reaches £12,000 annual vet fee limit (top of the More Than range)
- EUI Limited operator (Admiral Group plc) — established UK insurance operation
- 48-hour accident waiting period at the short end of the UK market
- Trustpilot 3.7/5 from 15,991 reviews — mid range, acceptable at scale
Weaknesses
- 20% co-payment applies from the policy year your pet turns 9 across all 9 plans
- Basic plans cover each condition for only 12 months from first treatment, then permanently excluded
- Classic plans are Maximum Benefit (per-condition lifetime cap, no annual reset) — structural trap if mis-purchased
- Pre-existing conditions excluded with no finite lookback window stated
- Multi-entity escalation: More Than → EUI Limited → Admiral Insurance Gibraltar → FOS
- Excluded breeds include Dangerous Dogs Act 1991 breeds + XL Bully
- 9 plan options can confuse owners at quote stage — confirm exact plan type before signing
What does More Than cover for pet insurance?
More Than offers 9 plan options under a single EUI-operated policy structure. Plan selection determines cover type (Time Limited / Maximum Benefit / Lifetime) and annual vet fee limit. All plans share the £100 fixed excess and the 20% senior co-payment from age 9.
| Coverage | Basic £1.5k | Basic £3k | Classic £4k | Classic £8k | Premier Lifetime |
|---|---|---|---|---|---|
| Cover type | Time Limited | Time Limited | Maximum Benefit | Maximum Benefit | Lifetime |
| Annual vet fee limit | £1,500 | £3,000 | £4,000 | £8,000 | £1k - £12k tiers |
| Per-condition window | 12 months | 12 months | Lifetime cap | Lifetime cap | Annual reset |
| Fixed excess (per condition / year) | £100 | £100 | £100 | £100 | £100 |
| 20% co-payment from age 9 | Applies | Applies | Applies | Applies | Applies |
| Dental (with annual exam) | Within vet fees | Within vet fees | Within vet fees | Within vet fees | Within vet fees |
| Third Party Liability (dogs only) | On Certificate | On Certificate | On Certificate | On Certificate | On Certificate |
| FirstVet 24/7 video consultations | Free | Free | Free | Free | Free |
HelloSafe comparison · updated May 2026
Annual vet fee cap vs monthly premium
Each provider's position on the two dimensions that drive value. Upper-left: lowest price, highest cap.
Indicative monthly prices for a medium-breed adult dog, mid-tier plan. Annual cap shown for the top-tier Lifetime plan of each provider.
Waiting periods
| Event type | Waiting period |
|---|---|
| Accidents | 48 hours |
| Illness | 14 days |
| Pre-existing conditions | Excluded, no finite lookback window |
| Senior co-payment threshold | Age 9 (20% co-pay applies) |
The 48-hour accident period is standard UK practice. The 14-day illness window is standard. The 20% co-payment from age 9 is in line with the typical UK senior threshold (Petplan applies the same 20% from age 7-8, slightly earlier).
What does More Than exclude?
More Than's exclusions follow the standard Admiral Group operator structure. The two clauses to flag are the Maximum Benefit per-condition cap on Classic and the 20% co-pay from age 9.
| Category | What the policy says |
|---|---|
| Pre-existing conditions | No finite lookback window, lifetime exclusion |
| Illness in first 14 days | Excluded |
| Accidents in first 48 hours | Excluded |
| Routine and preventative care | Vaccinations, flea/worm, neutering, grooming |
| Dental for illness without annual exam | Excluded |
| Pregnancy, breeding, giving birth | Excluded |
| 20% co-payment from age 9 | Applies on every eligible claim |
| Basic plans: condition after 12 months | Permanently excluded |
| Classic plans: condition after lifetime cap reached | Permanently excluded |
| Dangerous Dogs Act + XL Bully | Excluded |
| Working dogs (guard, gun, farm, racing, security) | Excluded |
More Than pricing and reimbursement
More Than does not publish a fixed price grid; premiums depend on species, breed, age, postcode and chosen plan.
Sample pricing
| Profile | Basic £1.5k | Classic £4k | Premier Lifetime £4k | Premier Lifetime £12k |
|---|---|---|---|---|
| Cat, 1 year, mixed breed | £10–£15/mo | £14–£20/mo | £18–£26/mo | £24–£34/mo |
| Dog, 1 year, medium breed | £12–£18/mo | £17–£24/mo | £22–£32/mo | £30–£42/mo |
| Dog, 5 years, Labrador | £20–£28/mo | £26–£36/mo | £34–£46/mo | £44–£60/mo |
More Than pricing sits in the mid range of the UK pet insurance market. Our take: compare before signing up. With Waggel, there is no automatic age-related co-payment trigger (co-pay is optional at quote), vs 20% co-pay from age 9 at More Than.
Available discounts
Multi-pet discount available — terms confirmed at quote stage.
Upfront vet costs
Direct vet payment may be available subject to the practice's arrangement with the underwriter. Claims are submitted via the More Than online portal. FirstVet 24/7 video consultations are accessed via the FirstVet app (free for More Than policyholders).
3 reimbursement scenarios
More Than vs the top UK alternatives
More Than is the 8th most-searched UK pet insurance brand. The chart positions it against the three HelloSafe UK partners.
What services does More Than offer?
| Service | Status |
|---|---|
| More Than online portal | Yes |
| FirstVet 24/7 video consultations | Free (does not deduct from vet fee limit) |
| EUI Limited operator (Admiral Group) | Yes, FCA 309378 |
| Direct vet payment | Subject to practice arrangement |
| Multi-pet discount | Available |
| Monthly or annual payment | Both available |
More Than Pet Insurance operates through the More Than online portal. FirstVet provides the 24/7 video vet consultation service free across all plans — a genuine differentiator at this price point. EUI Limited (Admiral Group) handles the operations under FCA authorisation.
What do customers say about More Than?
Trustpilot shows 3.7/5 from 15,991 reviews — mid range for the UK pet insurance segment. Above Tesco (1.8/5), M&S (1.7/5) and Sainsbury's Bank (3.6/5 bank-wide), below specialist insurers like Agria (4.8/5), Waggel (4.5/5) and Petplan (4.5/5).
Positive themes: appreciation for FirstVet 24/7 video service, the broad 9-plan range ("I could find a price point that fit"), and the More Than brand legacy. Negative themes recur on the 20% co-pay from age 9 ("surprised by the senior cost shift"), confusion between Basic / Classic / Premier plan types at point of sale, and renewal premium increases.
How to contact and cancel More Than
Contact
| Purpose | Channel | Details |
|---|---|---|
| Claims and reimbursement | More Than online portal | Digital submission and tracking |
| FirstVet 24/7 vet | FirstVet app | Free for More Than policyholders |
| Customer service | Phone / Email / Portal | Details on policy documents |
| Complaint escalation | More Than → EUI → Admiral Insurance Gibraltar → FOS | Multi-entity |
More Than Pet Insurance operates through the online portal and FirstVet integration. Complaints follow the Admiral Group multi-entity path: More Than → EUI Limited → Admiral Insurance Gibraltar Limited → Financial Ombudsman Service.
Cancellation
| Step | Detail |
|---|---|
| 14-day cooling-off period | Full refund if cancelled within 14 days and no claims made |
| Cancellation method | Via More Than portal or by phone |
| Refund after 14 days | Pro-rata refund for unused cover, subject to claim history |
| Cover after cancellation | Ceases on the cancellation date |
| Claims after cancellation | No claims accepted for incidents after the cancellation date |
| Renewal | Auto-renews unless cancelled, Certificate confirms renewal premium each anniversary |
Cancellation is via the More Than portal or by phone. The 14-day cooling-off period is standard FCA practice.
Alternatives to More Than
The three pet insurance providers HelloSafe recommends for UK owners comparing against More Than.
Lifetime cover with annual pool reset, Swedish specialist since 1890, FCA-regulated UK branch.
Mobile-first lifetime cover, dental included as standard, rewards programme for healthy pets.
Flexible plans, accepts pets up to 9 years, multi-pet discount and complementary therapy add-ons.
Our take: compare before signing up. With Waggel, there is no automatic age-related co-payment trigger (co-pay is optional configuration at quote), vs 20% co-pay from age 9 at More Than. For senior pets, the difference compounds over the policy life.
Frequently asked questions about More Than
Is More Than pet insurance worth it?
More Than offers the broadest plan range in the UK market (9 options across Basic Time Limited, Classic Maximum Benefit, Premier Lifetime tiers). FirstVet 24/7 is included free and is a genuine differentiator. Trustpilot 3.7/5 is mid range. The structural trade-off is the 20% co-pay from age 9 (in line with the UK norm) and the typical multi-entity Admiral Group escalation path. For young pets on the Premier Lifetime plan, More Than is competitive. For senior pets or owners wanting a single-underwriter specialist, dedicated pet insurers offer more focus.
Which More Than plan covers chronic conditions long-term?
Only the Premier Lifetime plans (£1k / £2k / £4k / £6k / £12k annual vet fee limits) reset the cover at renewal — these are true Lifetime structures. Basic plans (Time Limited) cover each condition for 12 months from first treatment then permanently exclude it. Classic plans (Maximum Benefit) apply a per-condition lifetime cap with no annual reset. For chronic conditions like diabetes or arthritis, only Premier Lifetime provides ongoing cover at renewal.
What is the More Than 20% co-payment?
From the policy year your pet turns 9, a 20% co-payment applies on every eligible claim, on top of the £100 fixed excess. On a £3,000 claim with the £100 excess: £3,000 minus £100 = £2,900 eligible, then 20% of £2,900 = £580 you pay, leaving More Than to pay £2,320. The 20% applies across all 9 plans (Basic, Classic, Premier Lifetime). The age-9 threshold is in line with the typical UK lifetime market (Petplan applies the same 20% from age 7-8, slightly earlier).
Does More Than cover pre-existing conditions?
No. More Than excludes any condition known or investigated before the policy start date, with no finite lookback window stated. Lifetime exclusion in practice.
Is More Than the same as Admiral?
Not the same brand, but the same group operator. Both More Than Pet Insurance and Admiral Pet Insurance are operated by EUI Limited (FCA 309378), a subsidiary of Admiral Group plc. The two products differ in plan structure and price positioning, but the underlying operator and the multi-entity escalation path are the same. Owners with existing Admiral car or home insurance can sometimes get a better deal via Admiral's loyalty discount; More Than is positioned as the standalone pet brand within the group.
