More Than Pet Insurance
More Than Pet Insurance delivers comprehensive coverage with their Classic, Premier, and Premier Plus policies, offering veterinary fee coverage up to £12,000 annually. Their policies include innovative features like virtual vet consultations, behavioral coverage, and complementary treatments. Distinguished by their price promise and multi-pet discounts, More Than provides flexible coverage options with optional dental care and overseas emergency protection.
Coverage Benefits
Vet Fee Coverage
Maximum Vet Fees
Covered each year up to £6,000 per condition with unlimited number of conditions
Claim Limit
£6,000
Vet Fees Excess
You'll pay both £100 per condition per year & 20% of the remaining claim
Additional Benefits
- Death by Accident Cover: £2,000
- Third Party Liability: £3,000,000
- Boarding Fees: £1,000
- Lost or Stolen Cover: £2,000
Support Services
- UK-Based Call Centers
- Vet Advice Helpline
Premium & Cost Breakdown
Annual Premiums
Monthly Payment Option
Average monthly payment: £99.91
Number of instalments: 12
Initial deposit required: 0
Premium Distribution
Distribution based on policy data analysis
What Affects Your Premium
- Pet's age, breed, and species
- Coverage level selected (Basic, Standard, or Premium)
- Your location and local vet costs
- Previous claims history
Coverage Highlights
Lifetime CoverMost Popular
Vet Fees
Up to Covered each year up to £6,000 per condition with unlimited number of conditions
Excess
You'll pay both £100 per condition per year & 20% of the remaining claim
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Max Benefit Cover
Vet Fees
Up to Covered each year up to £6,000 per condition with unlimited number of conditions
Excess
You'll pay both £100 per condition per year & 20% of the remaining claim
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Time Limited Cover
Vet Fees
Up to Covered each year up to £6,000 per condition with unlimited number of conditions
Excess
You'll pay both £100 per condition per year & 20% of the remaining claim
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Policy Coverage and Benefits
Premium Range
Minimum
£48.34
Maximum
£1649.5
Average
£337.27
Cover Types
- Lifetime
- Max Benefit
- Time Limited
Coverage Distribution
Dogs
64.6%
Cats
35.4%
Comprehensive Policy Details
| Coverage Feature | Benefit | Details |
|---|---|---|
| Vet Fees | Covered each year up to £6,000 per condition with unlimited number of conditions | Maximum amount claimable for veterinary treatment |
| Death by Accident | £2,000 | Payment if your pet dies due to an accident |
| Death by Illness | £2,000 | Payment if your pet dies due to illness |
| Third Party Liability | £3,000,000 | Coverage for damage or injury caused by your pet to others |
| Lost or Stolen | £2,000 | Coverage if your pet is lost or stolen |
| Advertising & Reward | £1,000 | Costs for advertising and reward if your pet is lost |
| Boarding Fees | £1,000 | Kennel/cattery fees if you're hospitalized |
| Travel Coverage | Included | Travel-related coverage including quarantine costs |
Fees & Charges
Policy Fees
Excess Information
Standard Excess
£100 - This is the amount you pay towards each new condition claimed for.
Co-Payment
20% - This is an additional percentage that you pay towards the remaining claim amount after the fixed excess.
Example Claim Calculation
Frequently Asked Questions
How do virtual vet consultations work?
Access qualified vets 24/7 through video calls for advice, initial assessments, and follow-up consultations.
What is your price promise?
We guarantee to beat like-for-like quotes from other insurers, ensuring competitive pricing.
How do multi-pet discounts work?
Save up to 15% with multi-pet policies, with individual coverage levels available for each pet.
What excess options are available?
Choose your excess level from £75-£150, with optional co-payment to reduce premiums.
Next Steps with More Than
How to Get Coverage
- Visit More Than's website directly
- Takes about 5-10 minutes to complete
- Have your pet's details ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your pet's age and breed
- Your location and coverage needs
- Current market conditions and provider pricing
Please contact More Than directly for the most accurate and up-to-date quotes for your specific situation.