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 Overview
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
Professional Veterinary Analysis
Veterinary Expert Analysis: More Than Pet Insurance
More Than Pet Insurance is part of the RSA Insurance Group, bringing decades of insurance expertise to pet coverage. They position themselves as a reliable, established provider offering comprehensive pet insurance with a focus on customer service and straightforward claims handling. More Than has built a reputation for transparent policies and fair claims assessment, making them a trusted choice for pet owners seeking dependable coverage from a well-known insurance brand.
Professional Veterinary Review
From a professional standpoint, More Than represents solid, dependable pet insurance backed by established insurance expertise. Their policies offer fair terms with reasonable exclusions and waiting periods that protect both the insurer and policyholder interests. While they may not offer the specialized features of dedicated pet insurers or the innovation of newer companies, their core coverage is comprehensive and reliable. I would recommend them for pet owners who prefer the security of an established insurance brand and want straightforward, comprehensive coverage without needing premium features or specialized services.
Market Position
More Than holds a respected position in the UK insurance market as part of the RSA Group, competing effectively in the pet insurance sector through reliability and established service rather than innovative features. They represent the traditional insurance approach - dependable, comprehensive, and backed by financial strength - appealing to customers who prefer proven providers over newer market entrants.
Pricing Strategy
Traditional competitive positioning - More Than focuses on providing solid, reliable coverage at competitive prices without premium features or luxury services. They target customers who want dependable insurance from an established provider rather than the lowest possible price or most extensive benefits. Their pricing reflects their position as a mainstream insurer offering good value comprehensive coverage.
Who Should Consider More Than? Detailed Analysis
More Than appeals to pet owners who prefer established, traditional insurance brands with proven track records. They suit customers who value consistent service, clear policy terms, and the security of dealing with a large, financially stable insurance group. Their coverage works particularly well for pet owners with standard breeds who want comprehensive protection without needing specialized or premium features.
Ideal Pet Owner Profiles
Important Considerations
Key Strengths & Advantages
Strong financial foundation through RSA Group ensures reliable claims payment and policy continuation
Comprehensive lifetime policies provide excellent protection for pets developing chronic conditions
Transparent policy terms with clear explanations of what is and isn't covered, reducing claim disputes
Reasonable waiting periods and fair interpretation of policy exclusions compared to some competitors
Good coverage for hereditary conditions in purebred pets after appropriate waiting periods
Established reputation and customer base demonstrating consistent service delivery over many years
Important Limitations
Limited additional benefits compared to specialist pet insurers - fewer extras like behavioral therapy or alternative treatments
Customer service may lack the specialized pet knowledge found at dedicated pet insurance companies
Online systems and digital features may be less advanced than newer, technology-focused insurers
Some policy exclusions may be broader than specialist competitors, potentially limiting coverage in specific scenarios
Premium increases at renewal may be higher than some competitors, particularly for older pets
What Makes More Than Stand Out
Part of RSA Insurance Group with strong financial stability and decades of insurance experience
Lifetime coverage policies with annual limits that reset yearly for ongoing chronic condition protection
Clear, transparent policy documentation with straightforward terms and minimal confusing exclusions
Established claims handling procedures with experienced assessment teams and fair evaluation processes
Competitive premiums for comprehensive coverage, particularly strong value for mixed breed pets
Multi-pet household discounts available for families with multiple pets requiring coverage
Claims Process Analysis
More Than operates a traditional but effective claims process that combines online submission capabilities with telephone support for complex cases. Pet owners can submit claims digitally with scanned or photographed veterinary invoices, and most standard claims are processed within 7-10 working days. Their experienced claims team includes staff with insurance expertise who review submissions carefully but fairly. Payment is typically made directly to the policyholder's bank account, though direct veterinary payment may be available for larger claims at participating practices.
Claims Process Highlights:
- • Online claim submission available 24/7
- • Veterinary nurse review team
- • Direct payment to vets where available
- • Average processing time detailed in policy
Customer Service Experience
More Than provides customer service through established channels including dedicated phone lines and email support during standard business hours. As part of a large insurance group, their customer service representatives are well-trained in insurance procedures and policy interpretation, though they may have less specialized veterinary knowledge compared to dedicated pet insurers. Their approach is professional and helpful, with reasonable response times and good problem resolution procedures for policy queries and concerns.
Service Features:
- • UK-based customer service team
- • Online policy management portal
- • Multiple contact channels available
- • Dedicated support for complex cases
Coverage Analysis & Policy Details
More Than offers lifetime pet insurance policies with annual coverage limits that refresh each policy year, ensuring ongoing protection for chronic and recurring conditions. Their policies cover veterinary treatment for accidents, illnesses, and hereditary conditions after waiting periods. Standard coverage includes diagnostic procedures, treatments, surgeries, medications, and hospitalization. Third-party liability and death benefits are typically included. Routine preventive care, pre-existing conditions, and breeding-related costs are excluded in line with industry standards.
What's Covered
- Veterinary treatment for accidents and illnesses
- Hereditary and congenital conditions (after waiting periods)
- Third party liability coverage
- Death by accident or illness benefits
What's Not Covered
- Pre-existing conditions
- Routine preventive care (vaccinations, worming)
- Pregnancy and breeding-related costs
- Cosmetic or elective procedures
UK Pet Insurance Market Context
Understanding how More Than fits within the broader UK pet insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether More Than's approach aligns with your pet's needs.
Average Vet Bill Cost (Cats)
£1,200
Source: British Veterinary Association 2024
Average Vet Bill Cost (Dogs)
£1,500
Source: British Veterinary Association 2024
Most Common Cat Insurance Claim
Digestive Issues £450
Source: ABI Claims Statistics 2024
Most Common Dog Insurance Claim
Lameness/Limping £750
Source: ABI Claims Statistics 2024
Percentage of Pets with Chronic Conditions
40%
Source: Royal College of Veterinary Surgeons 2024
Pet Insurance Penetration Rate UK
25%
Source: UK Pet Population Survey 2024
Average Annual Pet Insurance Premium (Cats)
£278
Source: Association of British Insurers 2024
Average Annual Pet Insurance Premium (Dogs)
£436
Source: Association of British Insurers 2024
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:
Areas of Expertise:
Analysis Methodology: This comprehensive review is based on policy documentation analysis, claims process evaluation, customer feedback assessment, financial strength review, and comparative market analysis. We maintain strict editorial independence and regularly update our reviews to reflect policy changes and market developments.
Last updated: 8/22/2025 | Veterinary review: Current | Market analysis: Updated monthly
Detailed Questions About More Than
How does More Than handle pre-existing conditions?
Like all UK pet insurers, More Than excludes pre-existing conditions from coverage. They define pre-existing conditions as any injury, illness, or symptom that occurs or shows clinical signs before your policy start date or during waiting periods. This includes conditions your vet has noted during examinations, even if no formal diagnosis was made.
What should I expect from More Than's claims process?
More Than operates a traditional but effective claims process that combines online submission capabilities with telephone support for complex cases. Pet owners can submit claims digitally with scanned or photographed veterinary invoices, and most standard claims are processed within 7-10 working days. Their experienced claims team includes staff with insurance expertise who review submissions carefully but fairly. Payment is typically made directly to the policyholder's bank account, though direct veterinary payment may be available for larger claims at participating practices. Most claims are processed within their advertised timeframe, but complex cases involving specialist treatments or multiple conditions may take longer. Always submit claims promptly with complete veterinary records to avoid delays.
Is More Than suitable for older pets?
More Than's suitability for older pets depends on their specific age limits and premium structure. Many insurers have upper age limits for new policies (typically 7-9 years for dogs, 8-10 for cats) but continue covering pets insured while young. Premiums typically increase with age, and some conditions may become excluded as your pet ages.
How does More Than compare for specific breeds?
More Than may have breed-specific pricing and exclusions. Breeds prone to hereditary conditions (like hip dysplasia in large dogs or heart conditions in certain breeds) may face higher premiums or specific waiting periods. Always check breed-specific terms in your policy documents, as coverage can vary significantly between breeds.
Professional Disclaimer & Transparency
This analysis represents independent veterinary and insurance expertise based on comprehensive policy review, market research, and professional experience. We do not receive compensation from More Than for this review, and our analysis aims to provide balanced, factual information to help pet owners make informed decisions.
Data Sources: Policy documents, regulatory filings, veterinary cost surveys, customer satisfaction research, and comparative market analysis. All information is verified against official sources and updated regularly.
Important: Pet insurance needs vary significantly between individual pets and circumstances. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms carefully before making decisions. Coverage terms and pricing may change, and actual policies will depend on your pet's specific details and health history.
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, breed, and health history
- 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.