Skip to content
Compare Vets Medications Insurance By City Search VetCost Protect About Contact
Sign in Create free account Compare vets
Head-to-Head Comparison
Updated March 2026

Direct Line vs More Than
Which Pet Insurance Is Better?

More Than 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.

Direct Line

3.9 /5

Direct Line is one of the UK's most recognised insurance brands, offering pet insurance with multi-pet discounts, online claims, and cover for dogs and cats. Part of Direct Line Group, they provide a reliable mainstream option with competitive pricing.

Lifetime Max-benefit Time-limited
Price from £5/mo
Max vet fees £8,000
Trustpilot 4.2/5
Visit Website Full review →

More Than

3.7 /5

More Than is underwritten by Royal & Sun Alliance (RSA), the same underwriter behind John Lewis, Tesco, and M&S pet insurance. They offer competitive pricing from £5/month for dogs with multi-pet discounts and a full range of cover types.

Lifetime Max-benefit Time-limited Accident-only
Price from £4/mo
Max vet fees £10,000
Trustpilot 4.0/5
Visit Website Full review →

Price & Cover Comparison

Metric Direct Line More Than
Editor Rating 3.9/5 3.7/5
Dog Price From £8.00/mo £5.00/mo
Cat Price From £5.00/mo £3.50/mo
Max Vet Fee Limit £8,000 £10,000
Excess From £70 £75
Trustpilot Score 4.2/5 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 Direct Line 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

Direct Line

Pros

  • Well-known, trusted UK insurance brand
  • 10% multi-pet discount when insuring more than one pet
  • Range of cover levels from basic to lifetime
  • Strong online claims management portal

Cons

  • No behavioural cover on any plan
  • Maximum vet fee limit of £8,000 is lower than specialist providers
  • No direct vet payment option
  • No dedicated mobile app for pet insurance

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

Direct Line earns a higher editor rating (3.9 vs 3.7), reflecting stronger overall value. More Than provides higher maximum vet fee cover (up to £10,000), which may suit owners who want comprehensive protection. On price, More Than starts from just £4/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.

Visit Website from Direct Line

Compare options and find the right cover.

Visit Direct Line

Affiliate link

Visit Website from More Than

Compare options and find the right cover.

Visit More Than

Affiliate link

← More comparisons | All providers

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.