★★★★★
Satisfaction survey


More Than was launched in 2001 and provides a range of insurance products, including pet (for dogs and cats only), van, car, landlord, home, caravan and travel insurance.
More Than is a trading name of Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
More Than offers four types of its own pet insurance for cats and dogs: Accident only, Basic, Classic and Premier. There are also optional extras, which can be included in your cover.
Cover benefits | Accident only | Basic | Classic | Premier |
---|---|---|---|---|
Vet fees limit | £2,500 | £1,500 or £3,000 | £4,000 or £8,000 | £4,000 (each injury/illness limited to £1,000 of vet treatment) or £12,000 (each injury/illness limited to £4,000 of vet treatment) |
Third party liability (for dogs) | up to £500,000 | up to £1 million | up to £2 million | up to £3 million |
Accidental damage | up to £500 | up to £500 | up to £1,000 | up to £2,000 |
Emergency boarding | up to £1,000 | up to £1,000 | up to £1,000 | |
Lost and found cover | Optional | Optional | up to £1,000 for advertising and up to £1,000 fo reward | up to £1,000 for advertising and up to £1,000 fo reward |
Pets abroad cover | Optional | ✓ | ✓ | |
Complementary treatment cover | up to £500 | up to £1,000 | up to £1,500 | |
Farewell cover | Optional | Optional | Optional | up to £200 |
Dental care | up to £2,000 | |||
Treatment food | up to £500 |
New customers could be rewarded with 25% discount for purchasing a policy online. Existing customers could get a 10% discount for insuring an additional pet. More Than will also offer further discounts to multi-policyholders.
You could risk invalidating your pet insurance if any of the following arises:
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your van and your driving experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
For any Third party liability claim, you will need to pay the first £250. If you decide to use a vet not listed on More Than’s referral network, you will need to pay £200.
You’ll find details about any compulsory or voluntary excesses in your policy document.
You can make a claim by completing the online claims form on the More Than website. There is currently no option to make a claim on your More Than pet insurance over the phone.
If you need urgent advice, you can call the free 24-hour vetfone helpline on 0800 072 8190.
You will need to provide the following information:
It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.
Our customer satisfaction scores ("Customers say") are based on a survey of 1,010 customers carried out in December 2021.
Learn the details of our methodology and scoring.
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