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MORE THAN: Pet Insurance reviews

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2.25
Based on 115 reviews, last reviewed 9th Feb 2026
No new 5 star reviews
in the past 90 days
200% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
28%
See only 4 star reviews
13%
See only 3 star reviews
3%
See only 2 star reviews
3%
See only 1 star reviews
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
Catherine Jenkins's avatar
Catherine Jenkins

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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Jenny J
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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)

Fantastic service

5
Had no problems with them at all, have always been very helpful, and their vetfone service is brilliant. Reviewed on: 28th August 2016
Gemma Godfrey's avatar
Gemma Godfrey

Not really insurance

1
Initially charged a competitive premium. Our bulldog required treatment for cherry eye on each eye (which now cannot occur again since the glands were surgically removed). This is common in bulldogs and is reflected in slightly higher premiums. Both claims dealt with quickly. When renewal time came the premium had gone up by the amount they had paid to meet the claims ie about 600 pounds! I queried this with them, told them i'd move and they couldn't have cared less. If i'd not have had insurance and paid the vet myself i'd have been better off. Needless to say i have moved, got both dogs covered at a fraction of the price with a smaller excess. Reviewed on: 19th August 2016
Steve Allen's avatar
Steve Allen

Cheap, but customer service not fantastic

3
Cheap, but customer service not fantastic Reviewed on: 15th August 2016
Nikki Hewitson's avatar
Nikki Hewitson

Caring company, compassionate at sad times in your animals' life

5
More Than were fantastic to deal with when it came to the end of life care for our dog, Scrappy -doo. After a short illness that we were covered for, we found the company a delight to deal with at such a difficult time. We even got a refund as they were in touch with our vets, and found we were paying for cover for a short while after Scrappy died. Fantastic company, would definitely recommend. Reviewed on: 14th August 2016
Alison Frith's avatar
Alison Frith

Great initial coverage but swift rise in premiums.

2
The coverage we got for our initial price was great , indeed the coverage still is good , but the premiums have risen steeply. Comparing similar products with at least as good coverage for a dog the age of ours and with no claims made, they are now notably cheaper. Reviewed on: 14th August 2016
Mark Minnie Whittaker's avatar
Mark Minnie Whittaker

Pet Insurance Reviewer

5
my pet dachshund collapsed the week before Christmas, with a damaged back. It was devastating for the children and I to see him lying in the rain in the garden. He was rushed to the vet who recognised the seriousness of the issue and we had to take him to an emergency centre. His condition was critical and he was admitted in for urgent surgery. I had to phone MoreThan, in quite a state. I have to say, I was dealt with full compassion and told not to worry about a thing, just return the forms. Bruce, my dog, was in for a week following a major operation to save his spine. MoreThan took care of the whole thing, and paid the emergency centre within a week. I can't rate them highly enough. Reviewed on: 29th July 2016
Gray Webster's avatar
Gray Webster

Huge increase in renewal premium despite no claims

3
Just received renewal terms from More Than and for our 2 labs (1 2 years old and the other a full sister but from the next years litter) the premium has increased by over £100 annually. No health problems or any reason to claim so will be looking elsewhere. Anyone else had high increase in renewals? It's getting like car insurance where the drive is always "new" business" and not loyalty. Reviewed on: 26th July 2016
Kevin Regan's avatar
Kevin Regan

Pet Insurance Reviewer

3
I applyed for my cat (shes a older lady) and it was kinda tricky chosing which one was going to be best my excess is £50 I pay for her DD been with them around 3 years and its gone up alittle but I think for what she gets its good value and if I need to talk to a vet I can use their one even if its about my other cat who isnt on the policy. Reviewed on: 22nd July 2016
Gemma Raines's avatar
Gemma Raines

Fair and prompt in payment: Friendly & Helpful

4
The staff that I've spoken to each time I've had reason to contact More Than Pet Insurance have always been polite and friendly and on the ball. My claims to date have been dealt with quickly, and the premium was very competitive. I've been so impressed that I've swapped policies for another dog to be with them. Earlier this year when my darling old Jack Russell had to be PTS at the grand old age of 17 1/2 I felt the lady I spoke to was almost in tears herself, she was so sympathetic. I have never yet had a problem with the company paying out on claims, and my wee JRT had ongoing veterinary bills. Reviewed on: 28th March 2016
ImReallyAnElf's avatar
ImReallyAnElf

CheekyCharges Campaigner

4
Very happy with cover, good service. Only loses a star because the price repeated keeps rising. Reviewed on: 28th February 2016
Sarah Kathleen Bell's avatar
Sarah Kathleen Bell

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