Admiral Pet vs More Than
Compare pet insurance features, coverage, and pricing between Admiral Pet and More Thanto find the best protection for your pet.
Starting Premium
£48.00
Admiral Pet
£41.24
More Than
Maximum Cover
£4,000
Admiral Pet
£8,000
More Than
Customer Rating
4.2
Admiral Pet
4.2
More Than
Vet Fees Cover
Covered for up to £4,000 per condition with unlimited number of conditions
Admiral Pet
Covered for up to £8,000 per condition with unlimited number of conditions
More Than
Veterinary Expert Comparison: Admiral Pet vs More Than
Our comprehensive veterinary analysis compares Admiral Pet and More Thanacross multiple dimensions including pricing, coverage options, customer service quality, and claims handling. This detailed comparison is based on real policy data, veterinary cost analysis, and professional experience to help you make the best decision for your pet's insurance needs.
Overall Professional Recommendation
Choose More Than for a well-rounded, established policy with broader built-in protection. Choose Admiral Pet if you’re looking for straightforward cover and don’t need all the extras.
Detailed Head-to-Head Analysis
Pricing & Value Analysis
Admiral’s lifetime pet insurance starts at £22–£30/month with vet fee cover up to £10,000 depending on tier. More Than offers similar pricing, but often includes added discounts for multi-pet households and offers broader dental cover under premium plans.
Admiral Pet
Average: £654.13
Range: £48 - £11999.64
More Than
Average: £298.46
Range: £41.24 - £1649.5
Coverage & Benefits Comparison
More Than provides up to £12,000 in vet fee cover and includes dental illness, travel cover, and third-party liability as standard on upper tiers. Admiral offers strong cover but may limit access to dental illness or overseas cover unless add-ons are purchased.
Customer Service Comparison
More Than benefits from RSA’s established service network, a strong vet helpline, and reputation for handling complex claims. Admiral has good service but may not match More Than in chronic case support.
Claims Process Analysis
More Than claims are typically processed within 5 working days, and most vets are comfortable working with their direct payment process. Admiral offers direct payment in some cases, but often expects the policyholder to claim manually.
Key Differentiators
More Than includes dental illness and travel cover on premium tiers
Admiral offers strong cover but more basic by default
More Than has better support for long-term or chronic conditions
More Than offers multi-pet discounts; Admiral less so
Which Should You Choose? Pet-Specific Scenarios
Puppy or Kitten (Under 1 Year)
New pet needing comprehensive coverage from the start
Based on coverage for hereditary conditions, vaccination waiting periods, and early life health needs
Senior Pet (7+ Years)
Older pet requiring ongoing care and potential chronic condition management
Evaluated based on age restrictions, renewal policies, and coverage for age-related conditions
Pet with Chronic Conditions
Ongoing medical needs requiring lifetime coverage
Assessed lifetime policy benefits, annual limit renewals, and specialist treatment coverage
Budget-Conscious Owner
Seeking essential coverage at the most affordable price
Compared premium costs, excess amounts, and value-for-money across different coverage levels
By The Numbers
Admiral Pet
More Than
UK Pet Insurance Market Context
Understanding how Admiral Pet and More Than fit within the broader UK pet insurance landscape helps contextualize this comparison. The following statistics provide insight into current market conditions and industry benchmarks.
Source: British Veterinary Association 2024
Source: British Veterinary Association 2024
Source: ABI Claims Statistics 2024
Source: ABI Claims Statistics 2024
Source: Royal College of Veterinary Surgeons 2024
Source: UK Pet Population Survey 2024
Source: Association of British Insurers 2024
Source: Association of British Insurers 2024
Real-World Veterinary Analysis
For pets that may require recurring care, dental treatment, or owners with multiple animals, More Than presents better value and long-term convenience. Admiral is solid for budget-conscious owners who want lifetime cover without extras.
Our Final Veterinary Recommendation
After analyzing pricing, coverage, customer service, and claims handling, here's our professional recommendation for different pet owner profiles:
Choose Admiral Pet if:
- You prioritize comprehensive coverage and don't mind paying for premium features
- Your pet is young and you want to establish lifetime coverage early
- You value excellent customer service and claims support
Choose More Than if:
- You're looking for the best value for money without compromising essential coverage
- You prefer straightforward policies with clear terms and conditions
- You have a mixed breed pet with lower hereditary condition risks
Professional Note: The best choice depends on your pet's individual health profile, your budget, and your preferences for customer service. We recommend obtaining quotes from both providers and carefully reviewing the policy documents before making your final decision.
Veterinary Expert Analysis by Dr. Emma Richardson
Dr. Emma Richardson is a qualified veterinarian and pet insurance specialist with over 8 years of experience in both veterinary practice and insurance claims assessment. She holds a degree in Veterinary Medicine from the Royal Veterinary College and has worked with leading UK pet insurers to improve coverage and claims processes.
Professional Qualifications:
Comparison Methodology: This analysis is based on comprehensive policy review, claims data analysis, customer feedback assessment, and professional veterinary experience. We maintain editorial independence and update our comparisons regularly to reflect policy changes.
Last updated: 9/28/2025 | Professional review: Current
Available Policy Types
About Policy Types
Insurers typically offer different levels of cover such as Accident Only, Time-Limited, Maximum Benefit, and Lifetime. Lifetime policies are generally the most comprehensive but also tend to be more expensive.
Premium Analysis
Premium Range Comparison
Premium ranges are affected by pet age, breed, and location. The actual premium you'll pay may vary.
Policy Coverage & Exclusions
Covered for up to £4,000 per condition with unlimited number of conditions
up to limit per condition/year
Covered for up to £8,000 per condition with unlimited number of conditions
up to limit per condition/year
Important Coverage Notes
Both insurers typically exclude pre-existing conditions. Always check the full policy documents for specific exclusions and waiting periods. Coverage may vary based on your pet's age, breed, and health history.
Claims Process
Additional Benefits
Support Services
Customer Base Analysis
Admiral Pet
Total Policies
22483
Dogs
15048
67%
Cats
7435
33%
More Than
Total Policies
17560
Dogs
11336
65%
Cats
6224
35%
Admiral Pet Distribution
More Than Distribution
Making Your Decision
When comparing Admiral Pet and More Than, consider how each provider's strengths align with your pet's specific needs. Admiral Pet's average premium of £654.13compared to More Than's £298.46 should be weighed against the coverage and benefits each provider offers.
Best for Admiral Pet:
- Comprehensive coverage options for your pet type
Best for More Than:
- More affordable starting premiums
- Established market presence and reputation
Important Considerations
Remember that the best choice depends on your individual circumstances, including your pet's age, breed, health history, and your budget. Consider getting quotes from both providers to make a fully informed decision. Also factor in policy terms, exclusions, and how each provider handles claims for your specific situation.