More Than - Pet Insurance reviews

Ranked 11 of 16 Pet Insurance providers



Review Score



Price band



We take the hard work out of comparing reviews by collecting real user reviews from multiple platforms, as well as our own, before applying our unique algorithm to ensure you can find the best insurance providers based on real-world customer experiences and personal reviews. Tell me more.




Review Score

More Than is reviewed on

TrustPilot gather reviews for a variety of different services and brands. They rate each brand or service out of ten and provide the additional option of reviewing them.

Read reviews on Trustpilot

Smart Money People allows consumers to rate a variety of financial services and providers. Each provider is rated out of five, with the average score taken from the ratings of each financial product.

Read reviews on Smart Money People


Price band


Quotes our team received:

  • 4-year old Labrador - £11.93 per month
  • 3-year old Bengal - £6.49 per month

Cover details

Choose from four levels of pet insurance

More Than pet insurance options include Accident Only, Basic, Classic and Premier, which covers veterinary fees and competitive, renewable benefits. There is a useful guide to the types of benefits available below.

There is an excess that is payable, per condition, per policy year. If your pet is over 9 at the time of your first vet treatment, you will pay £150. If your pet is under 9, you will pay £75. In addition to this, you will then pay 10% of the rest of the cost of any treatment, if you have chosen voluntary excess, regardless of age)

The policy booklet has the full terms and conditions. For more information visit More Than’s official website.

Accident OnlyBasicClassicPremier
Cover TypeAccident OnlyMaximum BenefitMaximum BenefitLifetime
Vet FeesUp to £2,500Up to £3,000Up to £8,000Up to £12,000
Complimentary TreatmentXYesYesYes
Third Party Liability£500,000£1,000,000£2,000,000£3,000,000
Accidental DamageUp to £500Up to £500Up to £1,000Up to £2,000
Emergency BoardingX£1,000£1,000£1,000

Your benefits for pet insurance cover levels

Third Party Liability

If your dog responsible for causing an accident or injury, More Th>N will cover Third Party Liability claims across all levels of cover

Accidental Damage

If your pet damages someone’s property, More Th>N will provide cover for Accidental Damage.

Boarding Fees

If you need to go into hospital for emergency medical treatment for more than 4 consecutive days and your pet requires lodgings in kennels or catteries while you are in hospital, More Th>N will cover the fees.

Complementary Treatment & Special Diet

More Th>N will cover complementary treatment for your cat or dog.

Loss By Theft/Straying & Advertising

If your pet strays or is stolen, More Th>N will cover the original cost of your pet as well as the advertising costs up to a set limit.

Overseas Travel

More Th>N vet fee cover extends worldwide and covers pets up to your vet fees limit for veterinary treatment and lost documents

Frequently asked questions

What animals can I insure with More Than?
What types of policy do More Than offer?
Does More Than cover pre-existing conditions?
How long does it take to assess a claim?

About More Than

MORE TH>N was launched in June 2001, bringing freshness and a new approach to the consumer financial services market. The MORE TH>N product range is broad, encompassing car, home, pet, travel and life insurance.

About More Than Pet Insurance

MORE TH>N provides pet insurance to cats and dogs across the UK and offers four levels of cover; Accident Only, Basic, Classic and Premier.

Accident Only is the lowest level of cover offered and covers pets should they suffer an accident or injury. You’ll be able to claim vet fees for a period of 12 months up to £2,500. Other benefits include third party liability, accidental damage and optional farewell cover.

The Basic policy covers pets for accidents or illness for 12 months from the point of treatment or until the vet fees limit is reached. The basic policy covers vet fees from £1,500 to £3,000 in addition to third party liability, accidental damage, complimentary treatment and emergency boarding.

The Classic policy covers pets for accidents or illness’ up to the chosen vet fee limit of £4,000 or £8,000 for each condition. This policy also provides additional cover of lost and found and pets broad cover.

The Premier policy is a lifetime policy that covers accidents or illness up to the total vet fee limit, £4,000 to £12,000, each year your pet is insure. This policy has  the most comprehensive coverage, with additional farewell cover included.

More Than Contact Info

For sales enquiries or to make a claim, call MORE TH>N on 0330 102 3638. Alternatively, you can fill in the contact form here on MORE TH>N contact page

Promotions & Offers

  • Get 25% when you buy pet insurance online (new customers only)

Save money on your pet insurance

Get a quote