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MORE THAN: Pet Insurance reviews

Name: Pet Insurance
Rating: 2.25 (115 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

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)

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 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. Reviewed on: 13th March 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. Reviewed on: 16th 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 Reviewed on: 5th 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 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

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