We’ve analysed the pet insurance from More Than to help you decide if any of its cover options are right for you and your furry friends.
More Than offers pet insurance in four cover levels to suit a range of budgets – but only for cats and dogs. The insurer says it will offer new customers 25% off if you buy a pet insurance policy online, and it offers a multi-pet discount for each additional pet covered. Here’s what else we think you should know.
More Than pet insurance policies
Compare Bought More Than’s available policies in our table
Who is More Than?
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 pet insurance policy options
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 |
More Than pet insurance benefits
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.
What exclusions are there?
You could risk invalidating your pet insurance if any of the following arises:
- Wilful or malicious injury or gross negligence to your pet, caused by you or members of your family.
- For medication not prescribed by a vet or purchased using a prescription a vet provides.
- When your premium has not been paid and/or your policy is not in force.
- Accidents that occur before or within the first 48 hours of your policy start date.
- Any changes you or your vet notice in the health or behaviour of your pet before the policy start date.
- Any treatment for cruciate ligament (within the knee) problems, however caused.
More Than pros and cons
Pros
- More Than has four types of cover to suit a range of budgets and requirements
- More Than offers new customers 25% discount for purchasing a pet insurance policy online
- Existing customers can get 10% discount for each additional pet added to a policy
- A 24-hour vetfone helpline is available for customers needing urgent advice
Cons
- More Than pet insurance is only suitable for dogs and cats
- More Than does not have an online account area for existing pet insurance policyholders
- More Than pet insurance claims can online be made online
What is my excess?
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.
What is the claims process for More Than?
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:
- Details about the illness or injury
- Copies of your vet’s bills and your pet’s medical notes
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.