More Than vs Argos
Compare pet insurance features, coverage, and pricing between More Than and Argosto find the best protection for your pet.
Starting Premium
£41.24
More Than
£69.96
Argos
Maximum Cover
£8,000
More Than
£2,500
Argos
Customer Rating
4.2
More Than
4.2
Argos
Vet Fees Cover
Covered for up to £8,000 per condition with unlimited number of conditions
More Than
Covered for up to £2,500 per condition with unlimited number of conditions
Argos
Veterinary Expert Comparison: More Than vs Argos
Our comprehensive veterinary analysis compares More Than and Argosacross 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 if you want premium cover and better support. Choose Argos if your budget is tight and your pet has minimal health risks.
Detailed Head-to-Head Analysis
Pricing & Value Analysis
Argos offers lower-priced lifetime policies, starting from around £18–£24/month, while More Than ranges from £25–£32/month for comparable plans. Argos is more budget-friendly, but More Than includes more features for the price.
More Than
Average: £298.46
Range: £41.24 - £1649.5
Argos
Average: £303.72
Range: £69.96 - £3247.68
Coverage & Benefits Comparison
More Than provides up to £12,000 in lifetime vet fees and includes dental illness, third-party liability, and travel cover on higher tiers. Argos caps vet cover around £7,000 and often excludes dental illness unless added on.
Customer Service Comparison
More Than has stronger service ratings and vet partnerships, with options for direct vet payments and a 24/7 vet helpline. Argos’s service is less consistent and lacks dedicated helpline support.
Claims Process Analysis
More Than typically settles claims in under a week, with direct payment to vets when possible. Argos may take longer and usually requires manual reimbursement.
Key Differentiators
More Than includes more extras like dental, travel, and liability
More Than has higher cover limits (up to £12k vs £7k)
Argos is cheaper, appealing to budget-focused users
More Than supports direct vet payments and 24/7 vet advice
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
More Than
Argos
UK Pet Insurance Market Context
Understanding how More Than and Argos 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 needing comprehensive protection and ongoing treatment options, More Than provides a stronger package. Argos works for those seeking simple lifetime cover at a lower cost.
Our Final Veterinary Recommendation
After analyzing pricing, coverage, customer service, and claims handling, here's our professional recommendation for different pet owner profiles:
Choose More Than 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 Argos 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: 8/17/2025 | 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 £8,000 per condition with unlimited number of conditions
up to limit per condition/year
Covered for up to £2,500 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
More Than
Total Policies
17560
Dogs
11336
65%
Cats
6224
35%
Argos
Total Policies
12124
Dogs
8029
66%
Cats
4095
34%
More Than Distribution
Argos Distribution
Making Your Decision
When comparing More Than and Argos, consider how each provider's strengths align with your pet's specific needs. More Than's average premium of £298.46compared to Argos's £303.72 should be weighed against the coverage and benefits each provider offers.
Best for More Than:
- More affordable starting premiums
- Comprehensive coverage options for your pet type
Best for Argos:
- 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.