Write a review

MORE THAN: Pet Insurance reviews

Name: Pet Insurance
Rating: 2.64 (112 reviews)

View other MORE THAN products

2.38

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

Read all reviews Write a review

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.

Review MORE THAN: Pet Insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

MORE THAN Pet Insurance reviews (112)

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 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. Reviewed on: 3rd February 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 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 Reviewed on: 22nd January 2019

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 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 Reviewed on: 10th August 2018

con

had a duke insured for 12 years with these never used it . then as soon as i did for a small amount they doubled the premiums to £90.00 a month Reviewed on: 8th August 2018

Good until you make a claim

Good insurance, claim was easy but price after claim went up loads and even after a year of no claims price still went up. Reviewed on: 25th July 2018

Cat Insurance

Hassle free & lots of covers to choice from! Reviewed on: 18th July 2018

Very caring when dealing with our poor Wally

Our dog Wally developed Lymphoma, the compassion we received from all the More Than advisers was amazing, helping us no end in a terribly sad time Reviewed on: 17th July 2018

excellent service always

never had any issues at all throughout the years except this year when the renewal price could not be beaten. was too good an offer not to miss out on. Reviewed on: 17th 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. Going with another insurer. Don’t bother, or if you do, go elsewhere after two years. Reviewed on: 6th July 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 you can’t contact. Very poor. As other reviewers have said this industry needs more closely regulated. Stay clear of More Than. Reviewed on: 9th June 2018

Do you have a different MORE THAN product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Pet Insurance
from Petgevity 4.47 from 272 reviews
Pet insurance
from Tesco Bank 2.90 from 110 reviews
Pet Insurance
from LV (Liverpool Victoria) 3.88 from 9 reviews

Want to see more from MORE THAN?

Landlord Insurance
from MORE THAN 5.00 from 2 reviews
Travel Insurance
from MORE THAN 5.00 from 2 reviews
Home Insurance
from MORE THAN 2.53 from 119 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub