More Than vs Spot On Lifetime
Compare pet insurance features, coverage, and pricing between More Than and Spot On Lifetimeto find the best protection for your pet.
Starting Premium
£41.24
More Than
£67.20
Spot On Lifetime
Maximum Cover
£8,000
More Than
£4,000
Spot On Lifetime
Customer Rating
4.2
More Than
4.2
Spot On Lifetime
Vet Fees Cover
Covered for up to £8,000 per condition with unlimited number of conditions
More Than
Covered each year up to £4,000 per condition with unlimited number of conditions
Spot On Lifetime
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 each year up to £4,000 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
More Than
Total Policies
17560
Dogs
11336
65%
Cats
6224
35%
Spot On Lifetime
Total Policies
10420
Dogs
6972
67%
Cats
3448
33%
More Than Distribution
Spot On Lifetime Distribution
Making Your Decision
When comparing More Than and Spot On Lifetime, consider how each provider's strengths align with your pet's specific needs. More Than's average premium of £298.46compared to Spot On Lifetime's £338.16 should be weighed against the coverage and benefits each provider offers.
Best for More Than:
- More affordable starting premiums
- Third party liability coverage
Best for Spot On Lifetime:
- Third party liability coverage
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.