Animal Friends vs More Than
Which Pet Insurance Is Better?
Animal Friends offers higher vet fee limits
Editorial comparison only. VetCost is not regulated by the FCA. We do not arrange or sell insurance. Some links may be affiliate links. Read our methodology.
Animal Friends
More Than
Price & Cover Comparison
| Metric | Animal Friends | More Than |
|---|---|---|
| Editor Rating | 3.8/5 | 3.7/5 |
| Dog Price From | £3.00/mo | £5.00/mo |
| Cat Price From | £2.00/mo | £3.50/mo |
| Max Vet Fee Limit | £12,000 | £10,000 |
| Excess From | £69 | £75 |
| Trustpilot Score | 4.5/5 | 4.0/5 |
| Waiting Period | 14 days | 14 days |
Green tick indicates the better value in each category. Prices are indicative and may vary.
Feature Comparison
| Feature | Animal Friends | More Than |
|---|---|---|
| Dental Cover | ||
| Hereditary Conditions | ||
| Behavioural Therapy | ||
| Pre-existing Conditions | ||
| Travel Abroad | ||
| Multi-pet Discount | ||
| Online Claims | ||
| Direct Vet Payment | ||
| Mobile App |
Pros & Cons
Animal Friends
Pros
- Extremely affordable — dog cover from just £3/month
- Donates millions to animal welfare charities
- Excellent Trustpilot score of 4.5 from 38,000+ reviews
- Full range from accident-only to lifetime cover
Cons
- No dental or behavioural cover on standard plans
- No app — claims process is web-based or phone only
- Defaqto 3-star rated — cover is less comprehensive than top-tier providers
- Maximum enrolment age of 9 is lower than most competitors
More Than
Pros
- Competitive pricing from £5/month for dogs
- RSA underwritten — same quality backing as John Lewis and M&S pet insurance
- 10% multi-pet discount for two or more pets
- Free 24/7 vetfone advice line included
Cons
- No behavioural cover included
- Lower enrolment age limit of 8 years — excludes older pets
- Defaqto 3-star rated — middle of the pack on cover quality
- No app or direct vet payment option
Editor's Verdict
Animal Friends earns a higher editor rating (3.8 vs 3.7), reflecting stronger overall value. Animal Friends provides higher maximum vet fee cover (up to £12,000), which may suit owners who want comprehensive protection. On price, Animal Friends starts from just £2/month, making it the more budget-friendly option. We recommend getting quotes from both to see which offers better value for your pet's specific needs.
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Affiliate disclosure: Some links on this page are affiliate links. If you purchase insurance through them, we may earn a commission at no extra cost to you. This does not influence our editorial ratings or rankings.