Pet insurance reviews
More Than is a UK pet insurance provider offering dog and cat cover with Basic, Classic and Premier policy levels. This page brings together review context for pet owners looking at More Than, including policy types, claims experience and service feedback as reviews are collected.
More Than offers pet insurance for dogs and cats through a tiered product range, with Basic, Classic and Premier cover options. The current product structure includes time limited, maximum benefit and lifetime-style cover rather than accident-only as a main product tier.
The brand is known for multi-pet discounts and a range of annual vet fee limits. More Than states that customers insuring more than one pet living at the same address can receive a 15% discount for each pet on the same policy.
Most known for: A broad dog and cat cover range, multi-pet discounting and familiar UK insurance brand recognition.
More Than currently offers Basic Time Limited, Classic Maximum Benefit and Premier Lifetime policy levels.
Vet fee limits shown on the provider site include Basic options of £1,500 or £3,000 per condition, Classic options of £4,000 or £8,000 per condition, and Premier annual limits of £1,000, £2,000, £4,000 or £6,000 depending on the policy selected.
More Than states that pre-existing conditions are not covered.
A fixed excess applies to claims, and customers may be able to choose a voluntary co-insurance amount if the pet is under 9.
A mandatory co-insurance amount is applied from the renewal after the pet reaches its 9th birthday.
More Than states that Premier £2,000, £4,000 and £6,000 policies and Classic £8,000 have Defaqto 5 Star ratings.
Dental cover differs by policy level, with accident-only dental cover on Basic and Classic and broader dental vet fee cover on Premier where policy conditions are met.
Full policy wording is available directly from More Than and should be checked before buying.
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