More Than Reviews

New customers get 25% when they buy online and can also benefit from a 10% multi-pet discount.

8.6 /10
Based on 13601 reviews
#19 of 30 pet insurers
  • Sentiment Score: 6.7/10
  • 13601 reviews found on websites such as TrustPilot
  • Awarded 5 Star Defaqto ratings for both their Premier and Classic policy options
  • 25% off when you buy online
  • Dedicated pet advice line, vetfone, available 24/7 to help with all health queries concerning your pet
  • 10% multi-pet discount available
  • Third Party Liability cover included in all policies
  • Earn cash rewards on everyday spending by joining the MORE THAN REWARDS programme
  • Hassle free online claims system for repeat medication and ongoing treatment claims

Price Band

£ £ £ £ £

Good for

  • Cover from 26 days
  • Rated 5 stars by Defaqto
Consumer Behavior Graphic
84% of consumers read reviews before purchasing
*Based on an independent survey of 1000 people by Compare By Review
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  • All (1),
  • Claims (0),
  • Service (0),
  • Sales (0),
  • Renewal (1)
Cover Purchased
i Reviewed without invitation
Reviewed the Renewals experience on 23 Dec 2021

Rip Off Company Avoid Them At All Costs

I have moved 4 miles up the road and they have put my premium up £6 per month because of this, telling me its because the vets are more expensive in this area. Its exactly the same vets, I live neare…
  • Renew premium increased by more than 15% compared to the previous year
  • Does not feel that More Than still offers value for money
  • Was neither happy or unhappy with their experience when they spoke to someone
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Quotes our team received



Buster, a four-year-old Labrador Retriever

Cheapest Dog Quote

Per Month

Maximum Vet Fees

Per Condition

Cover From



Tinks, a three-year-old Bengal

Cheapest Cat Quote

Per Month

Maximum Vet Fees

Per Condition

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Compare More Than pet insurance policies

Direct Line offers four different pet insurance policies, all with different cover levels. The details of each policy is detailed in the table below:
  Accident Only Basic Classic Premier
Vet fees limit £2,500 £1,500 or £3,000 £4,000 or £8,000 £4,000 or £12,000
Third party liability Included Included Included Included
Accidental damage cover Included Included Included Included
Emergency boarding Not included Included Included Included
Lost and found cover Optional Optional Included Included
Pets abroad cover Not included Optional Included Included
Complementary treatment cover Not included Included Included Included
Farewell cover Optional Optional Optional Included

Making a claim

You or your vet can claim on your More Than pet insurance policy online. Simply fill in the online form, upload your invoices, confirm your details and submit the form. More Than will aim to process your claim in a week. You can also track your claim and view any previous claims you've made online. 

Contact Direct Line

You can email Direct Line by filling in the 'contact us' form on their site. They will aim to respond to your email within 5 days. If you'd prefer to call them, you can reach them on: 
0330 102 3628 if you're an existing pet insurance customer. Lines are open from 9am to 6pm Monday to Friday and 9am to 5pm on Saturdays. 
0330 102 2915 if you want to speak to customer services. Lines are open from 9am to 6pm Monday to Friday and 9am to 5pm on Saturdays. 
0330 100 7824 if you want to speak to the sales team. Lines are open from 9am to 6pm Monday to Friday and 9am to 5pm on Saturdays. 
0330 100 7801 to make a claim or track a claim. Lines are open from 9am to 6pm Monday to Friday and 9am to 5pm on Saturdays. 

Frequently asked Questions

FAQ Icon

More Than offer four levels of pet insurance cover; Accident Only, Basic Classic and Premier. 

If your pet has a pre-existing condition when you take out the policy it will not be covered. 

More Than state that 93% of all claims are paid.

Yes, you can add elements such as Lost and Found and Pets Abroad cover to both their Accident Only and Basic policies. 

More Than state that they aim to process most claims within a week.  You can also track the status of your claim via their online claims tracking service

Yes, More Than has an extensive list of vets who provide the highest standard of care.  If there isn't a preferred vet in your area that you’re able to see, More Than will try to help you.  If you don't see a vet from the preferred list you will need to pay a certain amount of the vet bill yourself.

More Than provides pet insurance policies for cats and dogs only. 

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