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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

Winner: More Than

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

More Than Wins

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 Wins

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 Wins

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 Wins

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

1

More Than includes dental illness and travel cover on premium tiers

2

Admiral offers strong cover but more basic by default

3

More Than has better support for long-term or chronic conditions

4

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

Recommended: More Than

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

Recommended: More Than

Evaluated based on age restrictions, renewal policies, and coverage for age-related conditions

Pet with Chronic Conditions

Ongoing medical needs requiring lifetime coverage

Recommended: More Than

Assessed lifetime policy benefits, annual limit renewals, and specialist treatment coverage

Budget-Conscious Owner

Seeking essential coverage at the most affordable price

Recommended: Admiral Pet

Compared premium costs, excess amounts, and value-for-money across different coverage levels

By The Numbers

Admiral Pet

Average Premium:£654.13
Total Policies:22483
Dog Policies:15048
Cat Policies:7435

More Than

Average Premium:£298.46
Total Policies:17560
Dog Policies:11336
Cat Policies:6224

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

Claims
Cats

Source: British Veterinary Association 2024

Claims
Dogs

Source: ABI Claims Statistics 2024

Claims
Cats

Source: ABI Claims Statistics 2024

Claims
Dogs

Source: Royal College of Veterinary Surgeons 2024

Demographics

Source: UK Pet Population Survey 2024

Market

Source: Association of British Insurers 2024

Pricing
Cats

Source: Association of British Insurers 2024

Pricing
Dogs

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.

Dr. Emma Richardson - Veterinary Expert

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:

MRCVS
Pet Insurance Specialist Certification

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: 9/6/2025 | Professional review: Current

Available Policy Types

Admiral Pet
More Than
Cover Types
LifetimeTime Limited
LifetimeMax BenefitTime Limited

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

Admiral Pet
More Than
Minimum Premium
£48.00
£41.24
Maximum Premium
£11,999.64
£1,649.50
Average Premium
£654.13
£298.46

Premium Range Comparison

Admiral Pet
£48.00 - £11,999.64
More Than
£41.24 - £1,649.50

Premium ranges are affected by pet age, breed, and location. The actual premium you'll pay may vary.

Policy Coverage & Exclusions

Admiral Pet
More Than
Vet Fees Coverage

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

Standard Excess
£99
£100
Co-payment
N/A
20%
Dental Included
Pre-existing Conditions

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

Admiral Pet
More Than
Claim Processing Time
5 days average
5 days average
Online Claims
24/7 Claims Helpline
Mobile App Rating
3.8
3.8

Additional Benefits

Admiral Pet
More Than
Death by Accident Cover
£3,000
£500
Death by Illness Cover
£3,000
£500
Third Party Liability
£2,000,000
£3,000,000
Lost or Stolen Pet
£3,000
£2,000
Advertising & Reward
£500
£1,000
Boarding Fees
£750
£1,000
Travel Coverage

Support Services

Admiral Pet
More Than
UK-based Call Centre
Vet Advice Helpline
Legal Advice Service
Bereavement Counselling

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

Dogs
Cats

More Than Distribution

Dogs
Cats

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.