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MORE THAN: Pet Insurance reviews

Name: Pet Insurance
Rating: 2.64 (112 reviews)

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2.41

Based on 112 reviews, last reviewed 7th Aug 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

29%

13%

51%

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 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 ... Read more Reviewed on: 7th August 2025

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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 (112)

Wouldn't use again after putting me in financial hardship

My dog had to have tests and treatment. Wasn't pre-existing as shown from blood results. Vets agreed that I can claim, which I why I went through with the advice. Morethan won't pay out... Annoyingly, they have tried to re-new my policy, at a much more expensive rate than I found with them through the internet... When I called they offered a discount (why don't they just do that anyways...). Personal experience hasn't been good. Reviewed on: 5th November 2020

Fantastic company

Really good rates on pet insurance had everything I needed to insure my pet with them Reviewed on: 15th September 2020

Reliable and helpful

The phone line support from a Veterinary nurse really helped when my cat was poorly. And when I renewed they negotiated on the price, with few quibbles. Reviewed on: 13th July 2020

Refused 150 claim on a 650 policy

DONT TRUST MORE THAN PET INSURANCE - Ive just had a claim denied. Tried claiming £150 and the policy cost me £650. Told by my vet to leave a lump until it caused him issues in 2017. He was struggling breathing as on neck so we had it removed. Claim denied even though I was following the vets advice. Total con. AVOID Reviewed on: 3rd June 2020

Increased Pet insurance cover and refuse to pay for claims

I have been with Morethan over 10 years for my pet insurance. My insurance has jumped for 40% from last year they said due to the 3 claims I made over the years and each claims were less than £100 I got back. I am now paying £80 per month to get coverage. Recently, my cat needed to go for emergency with the pre existing condition which should be covered, but they refused my claims. What is the point to pay for insurance that doesn't cover??? Thats very bad practise and FCA should really look into pet insurances. Reviewed on: 27th April 2020

Take take take

I have been with more than for years. Every year the month cost has gone up. I accepted this as part of my dogs age. But this year it went up from just over £50 a month to £74. I said enough is enough. I called up as I was moving house too. I was moving 2 streets away. They told me it was to go up again because of the post code I was moving to. More people make a claim from the new post code. So I would have to pay even more now. I complained and stated I have never made a claim so why should I be penalised? They agreed after some persuasion. They agreed to give me a £150 annual discount. Bringing my bill to £63 per month. I wasn’t happy but because I was moving I just agreed. The next month £270 was taken from my account. I complained again and again, sent them statements from the bank. They just didn’t understand what the problem was. Eventually it came down to them setting up another policy without letting me know. They only ever refunded me £24.95 and two lost of £50 as compensation for my trouble. I was so fed up with this I just sent a few e-mails of cancellation. They agreed to this and I was in my way. Goodbye Morethan!! Until TODAY!! They have sent me a letter asking for £639.10 for my years subscription!! What the hell is going on!! How can a company such as this have such a high level of incompetence? This time I am not going to let this go. Anyone with any advice pleas let me know. Reviewed on: 25th April 2020

Disgusting people don't USE

I’m in tear’s writing this, we cancelled are pet insurance dew to the coronavirus 26th March, I had a e-mail from them telling me it was cancelled as of the 1st April and found out today they STOLE £220.00 out of my account on the 2nd April, I have no money for my shopping and worst still no money to feed my self isolating mother who is 85. We’re all in the same boat but more than are PIRATES….Shame on them !!!!!! Reviewed on: 2nd April 2020

Ripping off customers with huge price increases

The approach to annual price increases is terrible. They will write to you just before renewal and hike up your premiums 25-30%. If you ring then they will reduce this which is poor. Why not apply a nominal price increase of a few percent. This whole approach is a deliberate ploy to rip off loyal customers. BEWARE! Reviewed on: 2nd March 2020

Worst and most frustrating company I've ever had to deal with

I’m not one for leaving bad reviews but More Than are the most frustrating company I’ve ever had to deal with. I made the mistake of choosing them for pet insurance and have had issues since day one. Firstly they noted my cat’s DOB down wrong, stating he was a year older than he actually is. When I queried it, they stated it was my fault as I told them the incorrect date during our initial telephone conversation. I requested to hear the recording of this initial conversation as I had no memory of giving the wrong date. They fobbed me off for months saying they were looking for the recording and every time I phoned up to chase it, they said no request had been made but they would put it through this time. Finally, I was told that they’d found the recording, listened back to it and that it was my fault. I said, fine but please send me a copy of the recording so I could hear it for myself. First they said they would but again I never heard back. Then when I chased it, they changed their minds and said I couldn’t have access to the recording. Combine this with the fact that they’ve tried to hike up prices by about £150 each time for the last two years even though my cat is only 4 and I’ve never put in any kind of claim, I’ve decided not to waste any more time on them. I’ve already wasted more than enough. I certainly would never use More Than for anything going forward and I’ll go as far as actively dissuading anyone I know from using them either. Avoid at all costs. Reviewed on: 16th February 2020

2019 Insurance Sign-up

Easy to join, great customer sign up offer, reasonable prices. Reviewed on: 12th September 2019

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