More Than Pet Insurance: Is It Really More Than Enough?

When it comes to safeguarding your furry family member, finding the right pet insurance can feel overwhelming. More Than Pet Insurance claims to offer more than just the basics—but does it truly deliver the comprehensive cover pet owners need? Let’s take a closer look.

 

More Than Pet Insurance Overview

More Than Pet Insurance, a brand under the well-known UK-based insurance company RSA (Royal & Sun Alliance), has been offering pet insurance solutions since 2000. Built on the foundation of providing comprehensive and flexible protection for pets, More Than has developed a reputation for reliability and accessible coverage. 

 

Over the years, it has catered to a wide range of pet owners by offering different levels of pet insurance cover—Basic, Classic, and Premier—designed to suit various needs and budgets. The company positions itself as more than just a provider of standard pet insurance, aiming to offer features like access to veterinary professionals 24/7, lifetime cover options, and a range of vet fee limits, including up to £4,000. 

 

With tailored policies for both dog or puppy insurance and cat or kitten insurance, More Than has become a go-to choice for pet owners seeking a blend of affordability, customisation, and dependable service.

 

More Than Pet Insurance Policies

More Than Pet Insurance offers a range of flexible policies designed to meet different levels of care and budget needs. Here’s a breakdown of what you can expect from each cover level:

 

• Basic Cover: Offers essential protection for accidents and some new illnesses, suitable for pet owners seeking affordable, entry-level coverage.
• Classic Cover: Includes more comprehensive benefits such as cover for vet fees, treatments for accident or illness, and options to choose your pet insurance cover levels.
• Premier Pet Insurance: Provides the most extensive coverage, including lifetime cover, access to veterinary professionals 24/7, and higher vet fee limits—ideal for those who want more than pet insurance.
• Multi Pet Insurance: Allows you to insure multiple pets under one plan, with a potential multi pet discount and options for multi pet insurance cover.

 

Each policy also includes access to a qualified veterinary professional anytime, making it easier to manage your pet’s health concerns day or night.

Key Advantages of Choosing More Than Pet Insurance

Choosing More Than Pet Insurance means getting more than just the basics. Here are some standout benefits that make it a strong choice for pet owners:

 

 

Flexible Cover Levels

With Basic, Classic, and Premier options, pet insurance cover levels are tailored to suit different budgets and needs. You can easily compare our pet insurance options to find the right fit.

 

 

Dental Care Coverage

More Than offers cover for dental care if teeth or gums are damaged in an accident or affected by disease or tooth decay. This includes treatment for tooth decay and gum disease that occurs due to illness or injury.

 

 

Access to Veterinary Professionals

All policyholders enjoy access to qualified veterinary professionals 24/7. This can be especially valuable in emergencies or when seeking advice outside regular clinic hours.

 

 

Lifetime Cover on Premier Plans

Premier Pet Insurance includes lifetime cover, helping manage chronic or recurring conditions over your pet’s lifetime, ensuring long-term health support.

 

 

Discounts for Multiple Pets

Multi pet insurance allows you to insure multiple pets under one plan, with a multi pet discount and the potential for multiple discounts applied consecutively.

 

 

Customisable Vet Fee Limits

You can set a chosen vet fee limit that aligns with your expected vet bills, with options ranging up to £4,000, providing financial control and flexibility.

 

 

Coverage for Pre-Existing Conditions

Depending on the plan, you may still get pet insurance that offers cover for pre existing conditions after a waiting period or if they’ve been symptom-free for a specified time.

 

More Than Insurance Fees for Pets

Understanding the costs involved with More Than Pet Insurance can help you choose the right level of protection for your pet and your budget. Here’s a breakdown of the key fee-related details:

 

• Pet Insurance Costs: Vary depending on the pet’s age, breed, and chosen cover level—basic and classic cover plans are generally more affordable.
• Vet Fees Limit: Options include £1,000, £2,000, or £4,000, with higher limits leading to higher premiums.
• Voluntary Co-Insurance Amount: Some policies allow you to select a co insurance amount towards treatment, which can reduce monthly premiums.
• Cover for Vet Fees: Included in most plans, though restrictions apply depending on the policy type and the nature of the treatment.
• Cause Pet Insurance Costs: Factors such as underlying health issues, breed-specific risks, and the need for cover for dental care can affect overall pricing.
• Multiple Pets: Adding more than one pet can qualify you for a discount for each pet, helping offset total costs under a multi pet insurance policy.

 

More Than Pet Insurance Reviews

Customer feedback offers valuable insight into what it's like to have a More Than Pet Insurance policy. Here’s a snapshot of common review themes:

 

 

Final Thoughts

More Than Pet Insurance lives up to its name by offering more than just standard pet protection. With flexible cover levels, access to veterinary professionals, options for dental care, and lifetime cover in premier plans, it provides thoughtful, comprehensive solutions for a variety of pet owners. Whether you’re insuring a single pet or managing care for multiple furry family members, it’s a strong contender worth considering.