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MORE THAN: Pet Insurance reviews

Name: Pet Insurance
Rating: 2.6 (115 reviews)

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2.26

Based on 115 reviews, last reviewed 9th Feb 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

28%

13%

53%

Latest highest rating:

5

I have a little dog Poppy who is now 13 so has ongoi... I have a little dog Poppy who is now 13 so has ongoing allergies and previously had operation to remove a large cyst on her leg ,More Than have paid v... Read more Reviewed on: 22nd August 2024

Latest lowest rating:

1

AVOID AT ALL COSTS !! Been with More Than for approx 10 yrs , then Admiral took over & my premiums suddenly went up , response time got ridiculous, claims were not paid fo... Read more Reviewed on: 9th February 2026

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About this product

Before taking out a new pet insurance policy, check customer reviews to gain valuable insight into the provider. We’ve got plenty of genuine MORE THAN pet insurance reviews, from pet owners just like you, to help you understand what life as a MORE THAN customer is really like.

MORE THAN offers insurance policies for both cats and dogs, with a multi-pet discount available. Choose your level of cover, with Accident only, Basic, Classic or Premier levels of cover. All policies can benefit from a 24/7 vet helpline.

MORE THAN is one of the most popular providers on the market, with a policy sold every two minutes. But with four different levels of cover, specialist insurance for different animals, as well as options like multi-pet insurance to consider, it can be helpful to take other people’s experiences into account.

If you’re considering MORE THAN as your new pet insurance provider, find out what genuine policyholders have to say. Discover what animal customers have insured with MORE THAN and which level of cover they chose. Learn about MORE THAN’s customer service and claims process. Find out if customers would renew their policies with the provider. All of this and more can be found in our MORE THAN pet insurance reviews.

Have you had a pet insurance policy with MORE THAN? Leave a review to help other pet owners find the right policy for them and their pets. Tell us which policy you opted for and how satisfied you have been with the level of cover. Did you find that your premium was a reasonable cost for the level of cover you received? Have you used the 24/7 helpline, and was the service useful? Would you recommend the provider to family and friends? Whether good or bad, write a MORE THAN pet insurance review today.

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MORE THAN Pet Insurance reviews (115)

AVOID AT ALL COSTS !!

Been with More Than for approx 10 yrs , then Admiral took over & my premiums suddenly went up , response time got ridiculous, claims were not paid for weeks sometimes into months . . RSA we're a brilliant company who paid straight away , everything was straightforward & staff were very sympathetic at sometimes very sad moments in my life due to poorly dog.I've been charged two excesses and two co insurances on the same claim due to my claim being submitted in the middle of the changeover and other excuses which adds to the stress your dealing with over your sick animal , they managed to get £400 off my claim in the end , I'm very upset and annoyed at the outcome , these companies make phenomenal amounts of money and take advantage of stressed pet owners at possibly they're worst moments .Anyway in short DONT WASTE YOUR MONEY , They're a Terrible company to deal with now and I shall be leaving ASAP, unfortunately no other company will take on my elderly sick dog , so I'll bide my time Reviewed on: 9th February 2026

Awful day light robbery!

Awful day light robbery! Do not use this company for your pet… once they suck you in with a cheap price they’ve got you and there is nothing you can do but pay what ever they say! They have almost doubled my premium because I claimed this year even though I hadn’t claimed for the previous four years… it still went up each year before that too!! The insurance company for my other dog haven’t done this… and even though I’ll be paying double, the service is also dreadful and they take ages to pay out!! Avoid this company at all costs!! Thieves! I am fairly sure soon I won’t be able to afford it and that is probably the plan… Reviewed on: 6th January 2026

Excellent under RSA - but now rubbish

I have had pet insurance with More Than for almost 13 years and am currently paying over £240 per month! When it was administered by RSA, the claims handling process was excellent - simple to do on-line - quick to settle - and you could track progress of the claim by accessing your account. Since Admiral took over, it has been nothing short of a disaster. Tried to submit a claim on 10 Sept - on-line form wouldn't recognise the policy number. It turned out that when the new policy started in January, this year, the policy number was changed and no one bothered to tell me. Said they would send out letter again - it's just arrived - with the same RSA Policy Number that I had originally!! Everyone is blaming 'new computer systems'. Submitted claim eventually - and not having had any form of acknowledgement that they had received the claim for two days, rang this morning to make sure they had got it. Was told, initially that they hadn't and I was asked what the Claims Number was - I didn't have it because the system doesn't generate one - contrary to what the claims handler was saying. Then.....surprise,surprise - he suddenly found the claim - and once again blamed "this new computer system we are still getting used to". And how long are they going to use that excuse - they've been dealing with More Than Pet insurance for almost a year! Obviously the claim has still to be settled but I not holding out much hope of seeing that happen anytime soon. What a deplorable state of affairs. I'm seriously thinking of cancelling the insurance and funding any further expense myself. Reviewed on: 12th September 2025

Avoid Avoid Avoid

I've been with morethan for 8 years I recently lost my dog through a brain tumour she needed medication throughout her illness and various vet visits my claim went in and in 2 weeks they've sent the same email over and over asking for more information my vets have sent her whole medical history over to them three times.they are totally incompetent and unprofessional I would definitely not recommend them to anyone . Reviewed on: 7th August 2025

I have a little dog Poppy who is now 13 so has ongoi...

I have a little dog Poppy who is now 13 so has ongoing allergies and previously had operation to remove a large cyst on her leg ,More Than have paid very prompt each time which is a relief at a stressful and upsetting time Reviewed on: 22nd August 2024

Steer clear of these rip off merchants

My dog went in for an operation we were quoted £1100 for the operation to remove the lump and have the lump tested for cancer, we paid the 20% excess and then more than split this operation into 2 operations so that they could charge us 2 excess payments which came to 500 quid even though he only had one op. I will not renew with them again and If you don’t want to be ripped off I suggest you steer clear of these rip off merchants. Reviewed on: 23rd May 2024

THE WORST INSURANCE COMPANY EVER!

I was with more than pet insurance for 14 years for my cat, and I got another kitten and added her to the policy. I only ever claimed once in 14 years for a kidney scan a few years ago, which was a slight hassle. However, I have to rate this company as low as possible due to the fact they would not cover my kitten for a dental problem as they claim due to the breeders negligence I am not covered. It was not just this, they passed me over to the fraud team in which I was heavily questioned and made out that I put my kitten on the policy to make such a claim! Even though I had already paid for 14 years for my other cat!! I was very disappointed with this outcome and the way they made me feel, as I had been ripped off by a breeder and got accused of fraud for it… disgusting service , would never recommend to anyone , rather, I would warn people not to use this pet insurance as it would appear they will do anything to get out of paying anything! Waste of money, I calculated the amount I spent in 14 years and it more than covered the bill I needed covered for my poor kitten with genetic mutations, so this was disgusting to be accused of fraud! Very disappointing, I wish I could get my money back for all those years I paid 64 per month!! (More than my own life insurance) I see the logic in the name “more than” as you pay more than you ever will get back for your poorly animal! Reviewed on: 7th February 2024

Awful customer service

We bought a pet insurance for a friend who adopted our cat. We asked to post the policy details to the friend who is in her 80s. We chased for weeks and despite confirming the address and name of the policy holder they “refused to post the papers for privacy reasons”. Never dealt with a team with such a lack of understanding what privacy means. We never asked to disclose any personal information and only asked to send some papers to the policy holder whose address and name was on the policy. Only when we made a formal complaint the poorly trained employees finally agreed to post the necessary documents to the policy holder. Reviewed on: 2nd February 2024

Policy not worth the paper its written on

Have been with More Than pet insurance for 5 years and never had to make a claim. When I enquired about a ctuciate ligament problem I am told we don’t cover that as it counts as pre existing as our dog had surgery 6 years ago on the other leg. Not sure how it is pre existing in a different leg. By the same logic they will probably try to get out of paying anything as it’s the same dog! Would have been better putting the money aside each month into a bank account for when it’s needed Reviewed on: 23rd October 2023

They will do anything not to pay a fair claim

We had had insurance for our dog for over 10years ,not always with more than. When we had to use the vet and they made a claim More than put into the hands of Allied Universal Compliance and Investigations . who accused us of making a false claim even though we paid the vet in full and the excess was £100 and 20% of the claim, so what is in this for us, why would we make a false claim. They are rude and they simply do not care.do not use them. Reviewed on: 12th October 2023

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