More Than Pet
Insurance Review
Editorial review only. VetCost is not regulated by the FCA. We do not arrange or sell insurance. Some links may be affiliate links.
Overview
More Than is one of the UK's well-established insurance brands, owned and underwritten by Royal & Sun Alliance (RSA), which is one of the world's leading insurance groups. The same RSA underwriting backs the pet insurance sold through John Lewis, Tesco Bank, and M&S Bank. More Than offers four cover levels: accident-only, time-limited, maximum benefit, and lifetime. Their Premier (lifetime) plan covers up to £10,000 per year in vet fees. One of More Than's key selling points is their multi-pet discount — insure two or more pets and get 10% off each policy. They also include free access to vetfone, a 24/7 telephone vet advice service. While More Than doesn't have the specialist pet focus of brands like Petplan or ManyPets, their RSA backing provides strong financial security and their pricing is consistently competitive in comparison sites.
Key Facts
Founded
2001
Underwriter
Royal & Sun Alliance Insurance Ltd
Cover Types
Lifetime, Max-benefit, Time-limited, Accident-only
Pet Types
Dog, Cat
Vet Fee Limit
£1,000–£10,000
Excess From
£75–£145
Waiting Period
14 days
Max Pet Age
Must enrol before age 8
Pros & Cons
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
Cover Features
Prices From
Dogs from
£5.00/mo
Cats from
£3.50/mo
Prices are indicative starting prices and may vary based on breed, age, and postcode.
Editor's Verdict
A competitively priced option from a major insurer. More Than's RSA backing gives financial confidence, and the multi-pet discount makes them attractive for multi-pet households. However, their cover breadth trails dedicated pet insurers.
Learn More About More Than
Visit More Than's website to compare cover options and find out more about their policies.
Visit More Than WebsiteAffiliate link. See our methodology.
Important: VetCost provides information for comparison purposes only. We do not arrange, advise on, or sell insurance products. All information is editorial and should not be considered financial advice. Always read the policy documents and contact the insurer directly before purchasing cover. Some links on this page are affiliate links and we may earn a commission at no extra cost to you.