More Than vs Napo
Which Pet Insurance Is Better?
Napo has a higher editor rating
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.
More Than
Napo
Price & Cover Comparison
| Metric | More Than | Napo |
|---|---|---|
| Editor Rating | 3.7/5 | 4.0/5 |
| Dog Price From | £5.00/mo | £7.00/mo |
| Cat Price From | £3.50/mo | £5.00/mo |
| Max Vet Fee Limit | £10,000 | £10,000 |
| Excess From | £75 | £70 |
| Trustpilot Score | 4.0/5 | 4.4/5 |
| Waiting Period | 14 days | 14 days |
Green tick indicates the better value in each category. Prices are indicative and may vary.
Feature Comparison
| Feature | More Than | Napo |
|---|---|---|
| Dental Cover | ||
| Hereditary Conditions | ||
| Behavioural Therapy | ||
| Pre-existing Conditions | ||
| Travel Abroad | ||
| Multi-pet Discount | ||
| Online Claims | ||
| Direct Vet Payment | ||
| Mobile App |
Pros & Cons
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
Napo
Pros
- Excellent mobile app with health diary and vet advice
- Fast claims — most paid within 3-5 working days
- Competitive pricing from £7/month for dogs
- Covers dental, behavioural, and hereditary conditions as standard
Cons
- Very new — only launched in 2022, limited track record
- No travel/abroad cover included
- No multi-pet discount available
- No direct vet payment option
Editor's Verdict
Napo earns a higher editor rating (4.0 vs 3.7), reflecting stronger overall value. 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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