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MORE THAN Pet Insurance Reviews

Ratings based on 58 reviews Last review 1 week ago

MORE THAN pet insurance reviews can help you to find out more about MORE THAN insurance who claim to offer policies designed to help keep your beloved pet safe and sound. With pet owners understandably wanting to make sure that they choose the best...

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MORE THAN pet insurance reviews can help you to find out more about MORE THAN insurance who claim to offer policies designed to help keep your beloved pet safe and sound. With pet owners understandably wanting to make sure that they choose the best pet insurance company, Smart Money People is the place for independent MORE THAN pet insurance reviews. Our mission is to use the power of YOUR reviews to help increase trust and transparency in financial services. You can help us by writing your own MORE THAN pet insurance reviews to help other pet owners to find out what life as an MORE THAN pet insurance customer is really like.

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Your Pet Insurance Reviews (58)

16th July 2019

Money grabbing bastards

12 years of insurance with this lot. No claims in 10 years and no claims for this cat. Price hike of £186 on last year’s premium to just under £500 because my cat is over 12. Got a quote from leading competitor for less than half at the same level of ...

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12 years of insurance with this lot. No claims in 10 years and no claims for this cat. Price hike of £186 on last year’s premium to just under £500 because my cat is over 12. Got a quote from leading competitor for less than half at the same level of cover. “Well sir, that will be because of the new customer discount”. What about a loyalty discount you bunch of crooks!

27th April 2019

Beware, totally callous, ruthless and unscrupulous company.

Totally callous, ruthless and unscrupulous company, to say the least. Pet owners, beware. Not content with completely scamming my daughter (who started her policy fourteen years ago, ergo a long-term, loyal customer) and changing the terms late into...

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Totally callous, ruthless and unscrupulous company, to say the least. Pet owners, beware. Not content with completely scamming my daughter (who started her policy fourteen years ago, ergo a long-term, loyal customer) and changing the terms late into the policy rendering it no longer fit for purpose in the final days of her beloved spaniel's life, MORE THAN insists on my bereft daughter paying a final £160 premium SIX DAYS AFTER her dog has been euthanised on Monday. This is on top of the fact that MORE THAN recently decided they no longer wished to cover end of life matters, one of the main reasons my daughter bought this policy in the first place. Clearly, decency, integrity and compassion are terms not synonymous with MORE THAN.

3rd April 2019

Scammers

If I could give this no stars I would. If you put in a claim you can guarantee by your renewal it will have doubled. 2 years ago I was paying £35, then i put in one claim if about £250 which i pay £80 of as excess and by the following year her renewal ...

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If I could give this no stars I would. If you put in a claim you can guarantee by your renewal it will have doubled. 2 years ago I was paying £35, then i put in one claim if about £250 which i pay £80 of as excess and by the following year her renewal was £62. Then with in that year my dog had her teeth done and her blood results came back with some raised levels, then main area for treatment/ investigation was her liver. Since then she has been a tablet a day and her levels are good and normal, these tablets more than do not pay for as they class them as a supplement so I have been paying for these myself. Blood tests around £150 which had been claimed back, she is now only needing 2 blood tests a year costing me £300 plus I pay for the tablets myself . So upon her recent renewal I got a letter through stating it would now be £132 a month !!! I said no pointed out i was already paying her tablets and the blood tests would cost me £300 a year so what the hell would I pay them £132 a month for. Do not go with more than soon u claim and your dog gets last 7 it's just doubled every year. I hope this pet insurance company falls flat on their face and people avoid avoid avoid. Pure greed is all they have to offer. I will now either save a month myself and or check out another insurance its cheaper for me to pay her ongoing condition myself and get a new insurer for anything new. That's how ridiculous more than are. Please do not insure your pets with this vile greedy company.

13th March 2019

Old dogs look out

Been with more than since 2003 for my 3 dogs, and my previous dog, I was very happy with service and I must have claimed about 5000 in 16 years which they have had back in premiums , but now the dogs are 10, 9 and 7 the price was £100 per month last ...

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Been with more than since 2003 for my 3 dogs, and my previous dog, I was very happy with service and I must have claimed about 5000 in 16 years which they have had back in premiums , but now the dogs are 10, 9 and 7 the price was £100 per month last year now gone up to £166 per month, I only work part time and can’t afford this, I telephoned more than twice for help because I did not want to leave, but they did not care, Also I am claim free for over a year, I am saddened to leave and told them they are throwing the old dogs under the bus, Beware you think you are in good hands but you are so not, I am still upset over this, I am now with bought by many for £134 a month lifetime cover.

16th February 2019

Drugs needed not covered because non prescription

My dog has been diagnosed with a liver condition. He needs to take medication to live. This medication is non prescription so Morethan won't pay. Out of my claim for £800 they managed to wriggle out of over half and only paid £300 !!! What a con.

5th February 2019

300% increase at renewal!

Apparently the 300% increase at renewal was because of the rise in vet bills. Im a vet receptionist and thr rise has been between 5 - 10 %. I cant wait for the day I see this company get taken down like the banks and PPi for extortionate prices

3rd February 2019

Disgusted and a total RIP OFF

I had 2 Golden Retrievers insured from puppies by More Than who are ok until you have a claim. My female Goldie tore her cruciate ligament requiring surgical repair. Claim went through fine, recovery requiring hydrotherapy. All went well until I had...

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I had 2 Golden Retrievers insured from puppies by More Than who are ok until you have a claim. My female Goldie tore her cruciate ligament requiring surgical repair. Claim went through fine, recovery requiring hydrotherapy. All went well until I had the next year premium, which increased by 200% and a stipulation that if she tore her other cruciate ligament, she would not be covered. I was horrified as I had the highest cover. I contacted them and complained. They argreed to lower the premium and still cover the other cruciate if need be. Following year, massive premium increase again and cruciate ligament removed from cover. This put her premium to over £1000 a year. Again I was disgusted and discontinued her cover. My Male Goldie had an unexpected attack of Gastroenerotis requiring 2 overnight stays in vet hospital on a drip. Claim went through fine until the following year premium. You guessed it, went up massively to over £1000, more than the amount I had claimed for. I phoned and spoke to a very cocky young man. His explanation was that my male dog was now placed on high risk category. I asked why. He said because of my claim, which I explained was less than the annual increase. He basically said tough. I asked why he was high risk and he said it was because of the illness of the claim. I explained that any dog regardless of breed can get gastroenteritis of unknown origin. Im a senior nurse and know what I’m on about. He clearly had no idea. I got no where, so I cancelled the premium. Between the 2 dogs I have saved over £4500. So if either of them become ill I have the money I need without paying this rip off company. I would NEVER advise anyone to use this company. They are an absolute disgrace. Have no empathy or understanding. Their telephonists have no idea what they are on about and basically don’t care. So AVOID at all cost. There are much better pet insurers out there.

22nd January 2019

Wish I could give less than 1 star

MoreThan are quite literally the worst insurers I have ever had the misfortune to deal with. I've made two claims with them and both have been a nightmare. They don't pay up front like most reputable insurers, they will try and underhanded tactic to...

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MoreThan are quite literally the worst insurers I have ever had the misfortune to deal with. I've made two claims with them and both have been a nightmare. They don't pay up front like most reputable insurers, they will try and underhanded tactic to avoid paying (I actually had the claim "advisor" pretend to get the dates I'd told him wrong to attempt to invalidate my claim- I was 2 weeks into a 12 MONTH claim period so it was pretty jarringly obvious). A claim I made for emergency vet bill costing nearly £2000 took months to settle and I was out of pocket the whole time. Scummy, thieving, evil company. They've also got no online functionality so everything has to be done via post or phone call, the most advanced thing you can do is email a PDF of your claim form. Not that they'll do anything with it.
Your premiums will also be subject to vast hikes for even the most minor claim, and gods help you if you have to actually claim for anything major

10th August 2018

Appalling annual increases - no customer service

The renewal quote showed an increase of 194% from the previous year. Having made a claim in the last year an increase was expected but not one which resulted in a premium greater than my house and content...

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The renewal quote showed an increase of 194% from the previous year. Having made a claim in the last year an increase was expected but not one which resulted in a premium greater than my house and content insurance!
A call to the customer service centre was pointless - the price reflects the underwriters ratings, last years discount and the recent claim i.e pay the premium and over the next years we recoup what we paid out - insurance??
I contacted another major insurer explaining the recent claim and requesting clarification of impact on a new quote - the result a new quote of HALF the price quoted by Morethan
Appalling service, ridiculous charges

6th July 2018

Ridiculous yearly increases

Been with MoreThan since our dog was a puppy six years ago. Every year the premiums have gone up, two years ago a big hike, last year paying £894 and this year they wanted £1,864??? I rang and asked to explain the massive hike, couldn’t answer. Goi...

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Been with MoreThan since our dog was a puppy six years ago. Every year the premiums have gone up, two years ago a big hike, last year paying £894 and this year they wanted £1,864??? I rang and asked to explain the massive hike, couldn’t answer. Going with another insurer. Don’t bother, or if you do, go elsewhere after two years.

9th June 2018

Double your premiums each year

More Than hook you by initial low premiums but then double them at each renewal. Mine sit at £70 for 2 cats age 5 which is £840 a year. It was £9 when I started. Their customer service can’t explain these hikes either, they blame the underwriter who yo...

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More Than hook you by initial low premiums but then double them at each renewal. Mine sit at £70 for 2 cats age 5 which is £840 a year. It was £9 when I started. Their customer service can’t explain these hikes either, they blame the underwriter who you can’t contact. Very poor. As other reviewers have said this industry needs more closely regulated. Stay clear of More Than.

2nd May 2018

Wouldn't recommend

My old dog was euthanised because of an organ tumour.  Due to her age there was an excess of 150 plus 20% of claim.  Not a problem .  Euthanasia isn't classed as vet fees.  It is farewell cover.  I had that but it has a total payable of £15...

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My old dog was euthanised because of an organ tumour.  Due to her age there was an excess of 150 plus 20% of claim.  Not a problem .  Euthanasia isn't classed as vet fees.  It is farewell cover.  I had that but it has a total payable of £150.
So for a policy of 1062.39 per year.  The costs were 903.01 more than paid 677.71

Euthanasia was lumped into farewell cover so euthanasia  76.44 cremation 130 left me with a bill of 56.44 because total allowed is £150

Since when is euthanasia not a vet fee?  I asked them and more than had no answer.

All this is in their terms and conditions but not in any paperwork sent with their renewal.  I've had insurance with them for many years on all my dogs.  I won't be renewing.

31st January 2018

over 100% increase this year!!!

My dog is just 8 yrs old, have been with "more than" (never a truer word said) since she was a puppy. Yes she has health problems, but my insurance payments have reflected this. 3yrs ago insurance £75 a month, last year £108.44 a month - £1,301.28 a...

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My dog is just 8 yrs old, have been with "more than" (never a truer word said) since she was a puppy. Yes she has health problems, but my insurance payments have reflected this. 3yrs ago insurance £75 a month, last year £108.44 a month - £1,301.28 a year this year wanted £2,719.57 - £22.64 and this with being nearly up to limit with one condition which meant would not be covered by insurance!! So have had to cancel as silly money, have new insurance but this does not include pre existing conditions so have started a new vets fees bank account!

13th November 2017

UNREASONABLE ANNUAL INCREASES

took out for life cover with More Than on my new puppy long hair Chihuahua 4 years ago. He is now 4. First year very reasonable. Second year went up by 46%, year three up by 56% now year 4 up by 66% so nearly a £1,000 per year. My parents had two ...

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took out for life cover with More Than on my new puppy long hair Chihuahua 4 years ago. He is now 4. First year very reasonable. Second year went up by 46%, year three up by 56% now year 4 up by 66% so nearly a £1,000 per year. My parents had two Chihuahua's which lived to age 19.5. Therefore, based on More Than percentage increases year on year I'll need a mortgage to pay future year policy prices. Complaining is a waste of time. Pet insurance pricing needs to be policed more closely. This is a totally over priced abused service and More Than are the biggest abusers. I wouldn't recommend More Than Pet insurance and feel guilty to those I did recommend to in year one before I realised what a terrible company they are. If your pet has a life-long condition like My dog you are tied to your existing pet insurance company. The annual cost is more than double the annual vet costs but if I opted to pay the vet bills for his existing condition I'm confident More Than wouldn't decrease my renewal by 66% so it's Hobsons Choice. Please do not take out a policy with More Than Pet Insurance and worn family and friends not to either.

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