The Pet Insurance

Guide 2016

Independent Unbiased Information
for Fellow Pet Owners
As Featured On BBC1's Rip Off Britain Consumer Programme

More Than Policies – Review

More Than Pet Insurance Review RatingVerdict

More Than offer all types of vet fees cover including a lifetime policy.   You do not have to pay a percentage of vet fees for pets of any age.

Most people who responded to our recent claims satisfaction survey were very happy with the way in which their claim was handled.   Many people find their quotes very competitive but be aware that we have read many reports of substantial premium hikes in subsequent years

This review of More Than Pet Insurance policies by published in . For further information about how the rating of 3.8 out of 5 was arrived at please see

Background

More Than is the direct trading division of RSA (Royal & Sun Alliance) Plc. They have been in business since 1790.

Customer Feedback

Most More Than customers seem happy with the policy and the claims service.  However as mentioned above there are several reports of high premium increases.     Read More Than Customer Reviews analysis

Good Points

  • Lifetime policy available
  • Can opt to increase excess in return for a lower premium
  • You can also opt to pay a 10% contribution payment in return for a lower premium
  • Premier policy includes dental cover for illnesses as well as accidents

Limitations

  • Many reports of premium hikes
  • Euthanasia is only covered as standard in the Premier policy
  • Accident, Basic and Classic policies only provide dental cover for accidents

Other Points to Note

  • The standard excess doubles for pets over 9 years old
  • The Basic and Classic policies will only pay for food if it has been developed to treat a specific condition and is used instead of medication
  • The Premier policy will pay up to £500 for prescription food if used to treat a condition.
  • There is no maximum age for new policies.

Policy List

Click on a policy name to view full policy details

Accident Only Policy – Time Limited Accident Policy – £2,500 per Condition (for the first 12 months of treatment)

Basic Policy – Time Limited Policy – £1,500 or £3,000 per Condition (for the first 12 months of treatment)

Classic Policy – Maximum Benefit Policy – £4,000 or £8,000 per Condition

Premier Policy – Lifetime Policy – £12,000 per year to cover all conditions

 

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Recent Claim Experiences with More Than

If you have claimed on a More Than policy in last 12 months it would be great if you could share your experiences with others by completing our 2-minute survey.

Your Comments

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    1. Sorry to hear that Neil! Have you tried negotiating with them? I know of many people who have had success with this providing they haven’t made any claims.

  1. Hi I’m insured with More Than (unfortunately not for life cover). They have paid out with no argument (I opted for the 10% contribution to vet fees option). Unfortunately, my dog has developed Diabtes Insipidus (which is a lifelong condition) and More Than have said they won’t insure her against this next year. What are my options now? Will any company insure my dog after this year?

    1. Sorry to hear about your dog. I am guessing from what you say that you have only purchased the basic 12-month time-limited cover.

      You will be able to get insurance cover in the future for your dog but you will find that all insurance companies will exclude any treatment for the Diabetes Insipidus as it will be a pre-existing condition. Unfortunately insurance only ever pays for unexpected future costs which is why pre-existing conditions which are going to need treatment in the future are excluded. Wish I was the bearer of better news for you.

      1. Thank you Sally,

        I did suspect that this might be the case, but what I’m unsure about is whether any company will ensure my dog at all, now that she has a lifelong condition. Also, given that she does have this condition for life, does that mean that I will automatically be charged more for any insurance policy than I would if she hadn’t developed this condition?

        1. In my experience you should be able to get insurance from any company but you will have to declare the condition.. and then there will be an exclusion put on the policy. It shouldn’t cost you any more than it would have done had she not developed the condition.

  2. I have been with More Than for two years on the top Premier Cover. First year £22 a month. During the first year my dog developed EPI, a lifelong condition. 2nd year my premium rose to £ 74 a month. I have just received the third year renewal and it is £ 101 a month. I phoned to complain about the staggering increase and they said they have raised the premium by 35% because of my claims. I feel aggrieved as the Vet has prescribed medication at a high cost and a lot of it he didn’t need. More Than say they don’t query medication costs from Vets. It’s a vicious circle.

    1. I sympathise with you Baz. I have just posted a review as still steaming over what they did to me! I insured my dog with More Than from when we got him as a pup in 2008. We renewed annually the lifetime cover. At the age of 3 our dogs sight started to deteriorate and turned out to be incurable. We continued to renew our cover, unfortunately we had to claim for eye meds and an annual checkup with eye vet but as a result our excess contribution and annual renewal fees thereafter started to increase a great deal each year too. We had to cancel our cover when in 2015 when the renewal price came in at £1494.65. I rang More Than to check if it was an error and was informed it was correct and that the cost increase was due to my dogs age (then 7) and that vets charges had steadily increased in general! Our dogs 1st insurance premium in 2008 was £143.88, the first renewal 2009 it was £191.88, not too bad an increase. Our dog was diagnosed during his 3rd year of cover and the next renewal premium went up to £461.64 and kept shooting up each year thereafter. 2015’s renewal cost of £1493.64 was the final straw!!! This is obviously More Than’s way on getting rid of customers they no longer wanted on their books because we needed the lifetime illness cover we had been purchasing. We are now with a different insurance but haven’t got our dogs eye condition covered. We buy the meds ourselves which is a couple of hundred a year but far cheaper that paying a premium of £1494.65 to such a greedy insurers. Imagine what the premium would have been this year if I had stayed with them!

      I advice you to ring round and get some quotes Baz to get an average figure for when you renew, if my experience is anything to go by, your renewals with More Than will in time break you too. Good luck and I hope all goes well for your pet!

  3. I insured my dog with More Than from when we got him as a pup in 2008. We renewed annually the lifetime cover. At the age of 3 our dogs sight started to deteriorate and turned out to be incurable. We continued to renew our cover, unfortunately we had to claim for eye meds and an annual checkup with eye vet but as a result our excess contribution and annual renewal fees thereafter started to increase a great deal each year too. We had to cancel our cover when in 2015 when the renewal price came in at £1494.65. I rang More Than to check if it was an error and was informed it was correct and that the cost increase was due to my dogs age (then 7) and that vets charges had steadily increased in general! Our dogs 1st insurance premium in 2008 was £143.88, the first renewal 2009 it was £191.88, not too bad an increase. Our dog was diagnosed during his 3rd year of cover and the next renewal premium went up to £461.64 and kept shooting up each year thereafter. 2015’s renewal cost of £1493.64 was the final straw!!! This is obviously More Than’s way on getting rid of lifetime cover cases where a lifetime illness is diagnosed, it can’t be proven I know but I feel the figures speak for themselves. I have two pets both insured elsewhere now and I also moved my house insurance to another company as soon as I could. I feel More Than are happy to take your money but woe betide you end up with a pet who gets diagnosed with a lifetime illness. Your choice if you go with them but be warned as ask them what their policy is if a pet becomes long term poorly and get it confirmed in writing! I will never give them my business again!

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