Everypaw vs More Than
Which Pet Insurance Is Better?
Everypaw 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.
Everypaw
More Than
Price & Cover Comparison
| Metric | Everypaw | More Than |
|---|---|---|
| Editor Rating | 4.3/5 | 3.7/5 |
| Dog Price From | £10.00/mo | £5.00/mo |
| Cat Price From | £7.00/mo | £3.50/mo |
| Max Vet Fee Limit | £12,000 | £10,000 |
| Excess From | £60 | £75 |
| Trustpilot Score | 4.1/5 | 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 | Everypaw | 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
Everypaw
Pros
- Defaqto 5-star rated — same Allianz underwriter as Petplan
- Direct vet payment for claims over £150
- More affordable than sister brand Petplan
- No upper age limit for policy renewals
Cons
- Smaller, less established brand than Petplan
- No mobile app — online portal only
- Limited to lifetime cover only — no budget-tier options
- Fewer Trustpilot reviews make it harder to gauge customer experience
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
Everypaw earns a higher editor rating (4.3 vs 3.7), reflecting stronger overall value. Everypaw provides higher maximum vet fee cover (up to £12,000), 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.
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