More Than

UK personal-lines insurer offering tiered pet policies. Evidence is being verified.

Review due11 of 11 comparison topics researchedReviewed 9 July 2026

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At a glance

Vet-fee limit: Current sale (products offered to new customers): Basic £1,500 or £3,000 for each accident or illness; Classic £4,000 or £8,000 for each accident or illness; Premier £1,000, £2,000, £4,000 or £6,000 for each accident or illness each year. Legacy, existing policies only: a Premier £12,000 vet-fee limit appears only in the existing-customer policy-document library, its availability to new customers is not confirmed, and it is excluded from current-sale comparison
Excess and co-payment: Excess: MORE THAN says there is a fixed excess on all pet insurance claims you make. The exact excess amount is not published in the official pages reviewed and is shown in the policy schedule. · Co-payment: Yes. Under age 9, customers can choose a voluntary co-insurance amount towards each claim; after the renewal following the pet’s 9th birthday, a mandatory co-insurance amount is applied. The official pages reviewed do not publish the universal percentage
Waiting periods: Illnesses in the first 14 days are excluded. Accidents in the first 48 hours are excluded. Cruciate ligament problems in the first 14 days are not covered
Pre-existing conditions: MORE THAN will not cover pre-existing conditions, defined on the FAQ page as health issues, concerns, illnesses and injuries that the customer or vet knew about before the policy started

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What you may pay

ExcessMORE THAN says there is a fixed excess on all pet insurance claims you make. The exact excess amount is not published in the official pages reviewed and is shown in the policy schedule.

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Details: MORE THAN says there is a fixed excess on all pet insurance claims you make. The exact excess amount is not published in the official pages reviewed and is shown in the policy schedule.

“There is a fixed excess on all pet insurance claims you make.”

Official source: MORE THAN pet insurance page; Manage your pet policy page · reviewed 2026-07-09

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Co-paymentYes. Under age 9, customers can choose a voluntary co-insurance amount towards each claim; after the renewal following the pet’s 9th birthday, a mandatory co-insurance amount is applied. The official pages reviewed do not publish the universal percentage

Being checked

Details: Yes. Under age 9, customers can choose a voluntary co-insurance amount towards each claim; after the renewal following the pet’s 9th birthday, a mandatory co-insurance amount is applied. The official pages reviewed do not publish the universal percentage

“mandatory co-insurance amount will be applied at the renewal following your pets 9th birthday.”

Official source: MORE THAN pet insurance page; Manage your pet policy page · reviewed 2026-07-09

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What the policy may limit

Vet Fee LimitsCurrent sale (products offered to new customers): Basic £1,500 or £3,000 for each accident or illness; Classic £4,000 or £8,000 for each accident or illness; Premier £1,000, £2,000, £4,000 or £6,000 for each accident or illness each year. Legacy, existing policies only: a Premier £12,000 vet-fee limit appears only in the existing-customer policy-document library, its availability to new customers is not confirmed, and it is excluded from current-sale comparison

Being checked

Details: Current sale (products offered to new customers): Basic £1,500 or £3,000 for each accident or illness; Classic £4,000 or £8,000 for each accident or illness; Premier £1,000, £2,000, £4,000 or £6,000 for each accident or illness each year. Legacy, existing policies only: a Premier £12,000 vet-fee limit appears only in the existing-customer policy-document library, its availability to new customers is not confirmed, and it is excluded from current-sale comparison

Details not fully published in the official sources reviewed.

Official source: Main pet insurance page; Basic / Classic / Premier pages; Manage your pet policy page · reviewed 2026-07-09

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Hidden LimitsKey published hidden limits include: Basic ends at 12 months or chosen limit, whichever happens first; Premier dental illness cover is capped at £2,000 and requires a dental check every 12 months; pre-existing and early-policy waiting rules apply across levels; mandatory co-insurance is applied at renewal following the pet’s 9th birthday; and under-9s may choose voluntary co-insurance. A Premier £12,000 option appears only in legacy existing-customer documents, its current availability is not verified, and it is not part of the current-sale range

Being checked

Details: Key published hidden limits include: Basic ends at 12 months or chosen limit, whichever happens first; Premier dental illness cover is capped at £2,000 and requires a dental check every 12 months; pre-existing and early-policy waiting rules apply across levels; mandatory co-insurance is applied at renewal following the pet’s 9th birthday; and under-9s may choose voluntary co-insurance. A Premier £12,000 option appears only in legacy existing-customer documents, its current availability is not verified, and it is not part of the current-sale range

“the renewal following your pets 9th birthday.”

Official source: Main pet page; Basic / Classic / Premier pages; Manage your pet policy page · reviewed 2026-07-09

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Dental CoverBasic and Classic cover dental treatment for teeth or gums damaged in an accident only. Premier covers accident and illness dental care up to £2,000, provided the pet has a dental check every 12 months and any necessary work is completed

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Details: Basic and Classic cover dental treatment for teeth or gums damaged in an accident only. Premier covers accident and illness dental care up to £2,000, provided the pet has a dental check every 12 months and any necessary work is completed

“Dental care up to £2,000. Your pet must have a dental check every 12 months.”

Official source: MORE THAN pet insurance page; Premier cover page · reviewed 2026-07-09

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Behavioural TreatmentDetails not fully published in the official sources reviewed.

Not clearly published

Details: Details not fully published in the official sources reviewed.

“Behavioural problems (up to £1,000) are covered...”

Official source: Premier cover page; Basic / Classic pages; Manage your pet policy page · reviewed 2026-07-09

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When and how cover applies

Waiting PeriodsIllnesses in the first 14 days are excluded. Accidents in the first 48 hours are excluded. Cruciate ligament problems in the first 14 days are not covered

Being checked

Details: Illnesses in the first 14 days are excluded. Accidents in the first 48 hours are excluded. Cruciate ligament problems in the first 14 days are not covered

“Any illnesses occurring within the first 14 days... Any accidents within the first 48 hours...”

Official source: Basic cover page; Classic cover page; Premier cover page · reviewed 2026-07-09

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Pre-existing ConditionsMORE THAN will not cover pre-existing conditions, defined on the FAQ page as health issues, concerns, illnesses and injuries that the customer or vet knew about before the policy started

Being checked

Details: MORE THAN will not cover pre-existing conditions, defined on the FAQ page as health issues, concerns, illnesses and injuries that the customer or vet knew about before the policy started

“MORE THAN insurance will not cover pre-existing conditions.”

Official source: MORE THAN pet insurance page · reviewed 2026-07-09

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ClaimsMORE THAN says claims can be submitted online 24 hours a day. Existing customers can make or track a claim, fill in a claim form or submit a vet bill online, and can also call a dedicated claims number

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Details: MORE THAN says claims can be submitted online 24 hours a day. Existing customers can make or track a claim, fill in a claim form or submit a vet bill online, and can also call a dedicated claims number

“Submit claims online 24 hours a day.”

Official source: MORE THAN pet insurance page; Manage your pet policy page · reviewed 2026-07-09

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RenewalsIf the customer pays yearly, MORE THAN says to call for renewal. If the customer pays monthly by Direct Debit, the policy auto-renews unless the customer opts out. Renewal price may increase each year and MORE THAN says there is no limit to how much the renewal price can increase over time

Being checked

Details: If the customer pays yearly, MORE THAN says to call for renewal. If the customer pays monthly by Direct Debit, the policy auto-renews unless the customer opts out. Renewal price may increase each year and MORE THAN says there is no limit to how much the renewal price can increase over time

“your policy will automatically renew” for monthly payers

Official source: Manage your pet policy page; MORE THAN pet insurance page · reviewed 2026-07-09

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Provider FeaturesFirstVet 24/7 veterinary-professional access. 15% multi-pet discount. Online claims and vet-bill submission. Defaqto recognition on selected Premier and Classic products. Current-sale products are Basic, Classic and Premier; older document-library products are held as legacy evidence only

Being checked

Details: FirstVet 24/7 veterinary-professional access. 15% multi-pet discount. Online claims and vet-bill submission. Defaqto recognition on selected Premier and Classic products. Current-sale products are Basic, Classic and Premier; older document-library products are held as legacy evidence only

Not published in official documents reviewed

Official source: Not published in official documents reviewed · reviewed 2026-07-09

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Policy change history

Knowledge Platform updated2026-07-01
Framework updated to v1.4 — Evidence Layer expanded across every Knowledge Product.
Guide refreshed2026-06-15
Claims and Pre-existing Conditions explainers updated with clearer plain-English wording.

Official information

Underwriter / administrator: Not verified from current official sources

Knowledge Platform v1.4 · checked 2026-07-09. Every answer records the official information it came from, and many link straight to the insurer's own page or document. Where an answer names a document but we have not yet linked it, we say so on the answer instead of implying a direct link.

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