My last purchase of Pet Insurance was with More Than, which I purchased with a cashback offer and got a great rate. I have two cats, and was really pleased that they offered a discount for insuring a second pet. I think the premium was around £110 for the year for my two young cats which I considered decent value, and as it turned out it more than (ha ... pun fully intended) its worth.
One of my cats cut her paw out and about and it became infected. This resulted in four consultations, two lots of anti inflammatory medicine and several antibiotic injections or courses of tablets. Overall this didn't equate to a bill running into many hundreds but in the end I had spent well over £150, and I decided to make a claim.
I didn't realise immediately how expensive the whole episode would become so I didn't ring to register after the first appointment, however the gentleman who took my call was really clear in his explanations of everything and assured me it wasn't an issue, just keep all my expense receipts and fill in a form which he emailed. My vet was happy to complete their section and they sent the form off. I guess this may vary between veterinary practices, but from my experience it was so, so easy.
Within around 3 weeks a cheque arrived to reimburse me and in the end the whole thing had only cost me around £50.
I believe that insurance really only proves itself to be any good or otherwise if you have call to make a claim, and I can only report this really positive experience that I had.
Having said that, I didn't renew with them as I like to shop around for cashback offers, and in this instance I found a cheaper deal elsewhere. But I will certainly be happy to go back to them in future and would certainly recommend. The cost was really cheap and the service could not have been better if I had paid the premiums being asked of other services.
~~*~~*~~ More Th>n Pet Insurance ~~*~~*~
This is my experience of More Th>n's Pet Insurance - not everyone's experience is the same and obviously not all prices are the same because every pet and household is different.
~~*~~ My pets ~~*~~
I have two Labradors - Pig and Oink. When I first purchased the fat chocolate Pig, she came with 6 weeks free Pet plan insurance which I activated and when the time came, I renewed with them for the following year. After that year, the renewal quote came through and after a quick trawl of the internet I found there were a lot of cheaper policies out there. Thus I gave More Th>n a ring and got a great price for the fatty bum bum. My first impression of the company was obviously a good one as they knew I was going to purchase - they were polite and completed the policy in about 10 mins. When it came to insuring a second and third dog, they offered discounts for each one though they are each on their own individual and very special policy.
When it comes to insuring your pet (specifically your canine), the breed is important - the Labradors come in at about £12 a dog, the Irish Water Spaniel was £14 (presumably because they're a short lived breed prone to cancer) and the teensy cross-bred is looking at £6 a month.
~~*~~My Policy ~~*~~
I decided from the start that I would pay more a month to insure the girls 'for life' which basically means that should one of the little blighters develop a life condition such as diabetes or hip dysplasia then More Th>n will continue to renew her policy each year (obviously they increase the premium but this still works out a hell of a lot cheaper th>n paying for treatment year in year out). This has turned out to be the best decision I could have made since Pigsy in her 5 ½ short years has cost me a complete and utter fortune, god love her.
Signing up is dead easy - they want to know date of birth (if possible or just the age of the dog), the name, breed, address and purchase price (if applicable). I always opt to pay monthly by direct debit but you can pay an annual fee - either way, it works out the same which is nice. A few days later the policy arrives in the post and no more action is needed until the unthinkable happens...
~~*~~ Pigsy's Number 1 ~~*~~
Pig had been doing agility for about a year when she appeared to become a lazy cow and couldn't be bothered to go over the jumps, opting instead to go either under or straight through them. A few frustrating months later, she cried out in pain whilst attempting to get in the van, then she began chewing her feet whilst wittering to herself. I put her symptoms in old google and took her off to the vets. Long story short and very expensive bills later covering x-rays, painkillers, specialists, more x-rays and consultations: the Pig was diagnosed with Lumbosacral Disease - a slow and progressive painful condition where Pig's pelvis is (kind-of) melding into her spine. The bills will become bigger and bigger as time goes on but More Th>n have her covered. I'm supposed to go back to the vets regarding this particular condition every 6 months to keep the policy covering the disease and on one occasion I had a specialist appointment booked but due to "Pigsy's Number 2", I had to cancel - the lovely MoreTh>n bloke told me not to worry about it and to sort Pig out in the meantime but that they'd continue to cover her regardless of whether I went to the specialist within the allotted time or not.
~~*~~ Pigsy's Number 2 ~~*~~
Pig was sick for a week but continued to eat: the day she turned her fat snout up at her dinner, I rushed her to the vet. They kept her in overnight, rang me in the morning to say she was fine and had eaten her brekkie and she probably had wind. Cheers Pig. However, because I hadn't been able to pick her up until the afternoon, she remained at the vets - good job too because an hour later my fantastic vet rang to say they'd rushed 'Big Fat Pig' (yep, that's how they call her name at the vets) into surgery and it was touch and go. It would transpire that the pig had torn a hole in her stomach, continued to eat stoically, and the vet's would have to remove a half of her barrel since the tissue had become so necrotic (the vets were so excited, they took pictures documenting the miraculous pig). I was called in to say my goodbyes and to not expect her to pull through: the vet on call spent the night with her and even rang me through the night to give me updates. She spent 3 days in the vets, for 4 days after she had daily visits, then every other day and finally she was signed off! Pig was made Pet of the Week for her super survival! Another long story, but the bill for this was over £2000 (luckily my vet lets his reliable clients pay the insurance straight to them instead of demanding the money up front).
~~*~~ Puddle's One and Only ~~*~~
Puddle was my amazing and extremely intelligent Irish Water Spaniel who ironically drowned in a puddle by getting her collar stuck under a boulder half way across Morecambe Bay in 3 foot of water. In her short lived life I'd never had a need to make a claim for her but when I rang up to cancel her policy, the MoreTh>n man suggested very sensitively that I could claim for her purchase price back. I was blubbering at the time and he was lovely - he told me to send a letter to the Claims address explaining what happened. I had no vet certificate of death, I wrote the letter on the back of a dog show schedule and we'd buried the Permhead in my mother's garden so I had no proof - all they had was a policy number and the witterings of a grieving crazy dog lady. A few days after posting I received a letter to say they were very sorry for the loss of Puddle and included the maximum price for 'death from injury'. The Labs now have their own savings fund called 'Puddle's Rainy Day'.
~~*~~ Claiming ~~*~~
Claiming was too easy to be honest - I filled in the basics and ticked the box to pay the vet direct, handed it to my vets who either filled in their section with 'vomiting', 'gastric surgery' or 'lumbosacral disease' and bob's your uncle: a cheque arrived a few days later. The claim forms can be printed from the internet or MoreTh>n will send you out some (a number of them arrived after Pig's gastric claims!).
The following are what I can 'technically' claim for:
Vet fees including alternative medicine (hydrotherapy is covered - hurrah!) up to: £7000
Death from injury, up to: £600
Death from illness, before the age of 9 years, up to: £600
Loss of Pig due to theft or straying, up to: £600
Advertising and reward if Pig is lost or stolen, up to: £600
Kennel fees if you have to go into hospital, up to: £600
Pet holiday protection, up to: £1250
Third party liability cover for your dog, up to: £2 million
Obviously there are certain things that aren't covered such as if I get Pig up the duff and it all goes wrong, or if she were a real working dog (they still covered her even though she does agility) and as I found out they will not cover the 'special food' Pigsy had to have which cost £6 a can twice a day until her stomach healed - now the fat cow can eat what ever she wants and has more th>n likely stretched her stomach back to its original size!
~~*~~ Paying is more painful th>n the Vets ~~*~~
For me, I'd do owt to keep Pig & Oink fit and healthy but I'm not sure I would've been able to afford Pig's gastric surgery if the vet had said "pay up" and given his pretty pessimistic prognosis I may have been tempted to let the Piggy go peacefully. However, just because I have insurance doesn't mean the cost is over - I have to pay £70 + 10% of the remaining bill until she reaches 9 and then it's £70 + 20% (I may have to rethink insurance if we ever reach this stage. For example, one of Pig's bills came in at £1727.10, they rejected £64.35 (food), and they paid out £1433.27 leaving me to cover £229.38, plus her cover which is now £352 a year. If I had the willpower, I would put that money into a savings account, but I don't. I also think it is well worth investing in insurance just for public liability - there are plenty of ways your dog can be accused of damaging property, causing accidents, eating small children and unfortunately there are people out there who will try their luck - knowing my luck, I think it's best to be covered.
~~*~~ More Th>n enough, me thinks ~~*~~
If you fancy covering your pooches, I can wholeheartedly recommend MoreTh>n. They're not quite the cheapest but at the end of the day, this kind of insurance is because you need a payout and I can vouch that they have gone above and beyond for me - Pig's story sounds like a complete ploy for fraud but they never once questioned it.
P.O Box 15769
0800 300 939
Caroline, Pigsy & Oink
Review will probably appear elsewhere
More than Pet insurance despite my paying and not claiming for years have taken two excesses over a two month period, split a vets bill to avoid paying it and landed me with £350 bill after my dogs death. I am very unhappy with they way they have dealt with a good customer and would strongly recommend that you find another more caring company; or save the money, in my case 32 pounds a month; as if I had done this I would have had ample money to cover his illness.
They also make you pay for the whole years insurance even if you pet like mine died at the start of the new insurance year ! Well done More than ! I will be changing my house insurance from you as I have no faith in the company any more and will advise everyone I know to do the same !
I think it is the responsibility of any pet owner to ensure their pet is insured, unless of course you are well off enough to pay any amount of vets fees. So as soon as I got my cat last September the first thing I did was look for a good insurer. As I had never insured a pet before I asked some advice from my dad who has been insuring two black labs for a long time and he suggested more than. So I had a look and after comparing their prices and services to a few other companies I decided that more than were the way to go.
I was quoted £7.99 a month and was given £7000 a year cover for each new illness (including payment for alternative medicine). What's more they also help if your pet goes missing or needs to go into boarding kennels if you are ill yourself and if your pet dies. This was all with an excess of £50. I was happy with the monthly fee, as it was one of the cheapest.
Unfortunately during September of this year Simba started to limp. He was an indoor cat and I had been feeling guilty and so let him out for the first couple of times. We assumed that he had over done it and had just sprained a muscle. So we didn't do anything for a few days. When it didn't get any better we took him to the vets who gave him so expensive anti-inflammatories and said to come back if it was no better. So after a week and a half and with Simba still limping we took him back. The vet this time decided he had a hematoma on his muscle and that it had turned to cartilage and that a course of anti-biotics would break it down. So Simba went through these for a week and we believed he was starting to get better. But he still wasn't his usual self. He was only 12 months old and he was behaving like an old cat, not a hyperactive kitten. Then when he was out in the garden I made him jump when I threw something out in to the garden. At which point he just lay there and started howling and viciously attacked anyone who tried to touch him. We made an emergency call out for the vet who gave us painkillers and told us to come back on Monday as it was a Saturday for x-rays. The cost was mounting up. After the x-rays the vet told us solemnly he had fractured both hips due to a condition that can be genetic and usually presents itself in 1-2yr old male neutered cats. Its extremely rare which is just typical of our animals lol. We were given the choice of two hip replacements at £3000 each or two hip femoral head removals at £300 each. Because of the policy we had I thought it best to go for the cheaper option as I believed we had to pay a percentage of the costs.
To complicate things further Simba's policy was due to change. The year renewal had come through More than had increased the price to £9.99. I was rather annoyed about this as Simba is only a year old and I hadn't claimed anything on him in the previous year. So I had arranged for MoreThan to stop and to switch to Direct Line. Luckily we discovered Simba's fractures 2 days before the switch over and we were able to quickly renew the MoreThan and cancel direct line. More than assured me this wouldn't affect any claims I made and I was able to breathe a sigh of relief.
The wording of the policy is unfortunately a little confusing/misleading. The Excess is £50 for cats (£70 for dogs) and the policy states you will be charged a further 20% of the total cost of the treatment if the cat is under 9 years old and 30% if it is over 9 years old. The claim form also states that you must claim within 30 days of the initial date of illness. So Simba's problems meant I was facing having to shell out quite a lot of money, especially as some of it was over the 30 day limit. I phoned More than to enquire about a few things and they told me that the 30 day limit was actually no longer the case. They had changed the policy but not yet changed the wording on the claim form which you can download from their site. (It still hasn't changed) So that made me quite relieved as I could claim on all of the vet appointments. But I think they should have updated their website claim form and let their customers know of the change as it means that people could potentially claim for things they couldn't before.
When the cheque arrived they had deducted £100. It stated that this was for two excess charges. I queried this as excess was meant to be £100. I thought maybe it was just worded wrongly and it was the percentage I had to pay. But no it wasn't. I was told that as the claim spanned two policy periods they charged two excesses. They said it was in the policy information they gave out. Now that's fair enough, but who ever really reads that stuff? Still it annoyed me as I know no other policies that do that. Further more I wondered where the percentage charge was. When I queried this, the honest citizen that I am, they stated Simba was not in the age range that this applied to, it was only for cats aged 9 and over. But that is not what my policy says at all!! Not that I am complaining about not being charged but if I had known this I could have opted for hip replacements for Simba. And if it is wrong on my policy it must be wrong on other peoples who might also compromise on certain things believing they will have to pay a percentage of the overall vet costs.
Other than this though More Than were very helpful and my claims were dealt with quickly and efficiently. As I didn't have the case in my account to pay for Simba's second operation I was also able to request that they paid the vets directly. I received a letter less than a week later to say a cheque had been sent to them. Over all I am happy as a customer of More than. After all I've paid about £90 in policy cover and received £700 in return from them. What is more I am so glad Simba was insured as there was no way I could have afforded this operation by myself. I just hope the policy instalments are not put up again next year.
I took out more than pet insurance as soon as we bought our puppy, a cocker spaniel we called winston. Aware that vet bills can be expensive, this was a must for us. We took out the policy over the phone and the staff were very friendly and helpful. It was initially £11 per month (a small price to pay for peace of mind).
It was not long before we had to use them. Winston is a hungry dog and loves his food, so one day when he was fed (at 4 months old), he made coughing choking sound. We made sure he wasn't choking but he began to shake and salivate excessively. Panic set in and we took him to an emergency vet as it was out of hours. They did various tests and explained that he had ate his food so fast he had caused himself to vomit, then inhaled this vomit into his very small lungs, a condition called aspiration pneumonia - leaving little chance of survival due to his age. If he did survive we were told he would need physio on his chest for the rest of his life. Thank god that more than allow £7000 per illness per year. This was devastating.
After a few days of operations, medication and being on a drip, he defied the odds, and started walking. He was administered a course of antibiotics to prevent infection in the lungs and was allowed home soon after. Obviously we were in touch with more than througout the ordeal who were sympathetic throughout. We had to fork out for the treatment ourselves (which was down to he vets - not more than) which was n excess of £2000, we forwarded the invoice to more than, and received a cheque within a week for the full cost minus the excess.
Because we were expecting physio, more than sent us a handful of claims forms for the coming year and told us that the excess had already been paid for this condition and they would keep reimbursing the whole cost per treatment.
The good news is that Winston made a full recovery and did not need ANY physio or further treatment and his lung capacity is back to normal, but the reassurance that we needed just incase, was provided by more than.
He took ill 6 months later with a less serious condition - a hernia, again which could not have been dealt with better.
My renewal price per month for the next year did go up by nearly £5 per month which was the only downside, but it is still a small price to pay for the peace of mind. I would recommend more than to everyone.
One of the major conditions when I bought my puppy was that we had to get pet insurance. I knew from other members of my family how expensive vet bills can be and with a serious lack of savings I knew that if anything was to happen to our puppy we would struggle to pay any bills.
As a good money saving expert I trawled Quidco for Pet Insurance quotes and after checking cashback offers and policy covers More Than worked out to be the best deal. I received £60 cashback and was charged £12 a month for my dog. One of the main benefits on this policy was the level of vet fees cover. They cover her for £7000 per illness per year, many of the other policies I checked only cover £7000 all year so in reality if she was ill twice in one year we could easily hit the limit of the policy cover.
I used their website to get a quote and it was very simple to take out the policy. You merely hit "accept" filled out a small form and your bank details and the job was done. I received all the paperwork within about 5 days and all the literature was clear and concise.
Unfortunately when my puppy was 7 months old she became very ill. She lost a lot of weight and went from a mad springer spaniel with an enormous amount of energy to a lethargic and sad puppy.
I took her to my vets and after many tests and £700 she was diagnosed with Lung Worm. She was on heavy antibiotics for two weeks but showed little sign of improvement so I took her back to the vets. They too were concerned with her lack of improvement and they referred me to a local specialist vets with a warning that it would be expensive. Obviously as a distraught puppy owner and with pet insurance I happily took her to the specialists.
After a week long stay with the specialists and a £3000 bill she was finally diagnosed with meninigitis. Two heavy shots of steroids later and she was sent home with medication and thankfully she is now back to her old self. She is still recovering and will be on steroids for some time possibly for the rest of her life but she is back to the nutty puppy that you would expect from a 9 month old Springer Spaniel.
Both my vets and the specialists submitted my claim to More Than for my vets fees. The correct forms were completed and all her medication and treatments duly listed.
Now on their website More Than claim that they deal with claims on the day they are received so I expected that my claim would be handled quickly. However, three weeks later I am still awaiting a cheque or even a written acknowledgement of the claim.
I have rung their claims advice line on numerous occassions. On the plus side I have always mananged to speak to an advisor within a few minutes and they have been very polite, however, they offer very little help. I have been advised on around 5 occassions now that my claim is being processed but when you ask exactly what this means they can offer little explanation. The advisor you speak to seem merely to be there to be polite and get rid of your call rather than offer any advice.
So here I am having duly paid for my insurance almost £4000 out of pocket. Hopefully the cheques will arrive soon.
I am afraid from my current experience of More Than I would not recommend them to a friend. Although taking out the policy is easy it would seem that claiming isn't.
When purchasing anything you always are best purchasing insurance to cover yourselves and when I had my dog Sandy, I chose More Than Pet Insurance as they guaranteed to cover your pet whatever the circumstances.
Taking insurance out on Sandy initially cost £10 a month, which I was happy with because if anything happen like they said you are guarenteed to be helped.
I filled out a question for Sandy, he was just 12 months when I rescued him. The questionnaire was similar to one that yoiu would complete yourself for life insurance or critcal illness etc, and you complete these to the best of knowledge at the time.
When I first had Sandy I wasn't made aware that he had any problems until I took him to the vets and he was diagnosed with a Chronic Pancreatic Disorder. The vets as stated in previous reviews prescribed him with tablets and presciption food to help him, and as this was very expensive I contacted More Than to see if they would help me out.
To my disappointment More Than rejected any claim and said they could not possibly pay out any money because my dog was ill due to a dietary condition and the policies that they offer do not cover this.
Simple review, why tell people that they are guaranteed to coever whatever the circumstances and then when trying to make a claim they just simply rejected it. I had paid for his pet insurance for a number of months before I claimed and in the end cancelled my insurance with them. I now pay all my vetinary bills myself because I just find pet insurance to be a rip off.
Take this into consideration when taking pet insurance out, this may be good if you pet needs and operation but if they are continuously poorly they just don't want to know.
I was with MoreTh>n and I found their customer services. Someone hit my car while I was parked on the side of the road and I thought MoreThan will will look after me as my previous insrance companies did. But that didn't happen, and I ended up paying nearly a £1000 I couldn't afford. Sometimes I ask my self what would happen if the accident was my fault. I will never user MoreThan insurance again.
Having bought my puppy one of the very first things to sort out was insurance. With the puppy pack they had a voucher for 6weeks free insurance with PetPlan but i had heard bad things about them and didn't honestly want the hassle of swapping after six weeks (they are one of the more expensive insurers).
I had a look through the Yellow Pages and then on the internet to see what the average kind of quote would be. Had been drawn in by their advertising and they did sound genuine.
There was a facility on their website to get a quote based on your dog, ie age, breed etc. the information on the site says that they can't cover certain breeds:-
American Pit Bull Terrier
Pit Bull Terrier
and there is a minimum age that they will insure a puppy of 8 weeks but you can place it on hold until they reach that age if you want to do it in advance.
With a few more bits of information such as your details, name etc. they generate a quote and this can be saved. This is handy as you can go back and compare at a later date if you wish after having visited other sites.
I was happy with the quote I had received and it was a bonus that I got two months free insurance with it. My premium is £10.98 per month. That is for a pedigree Cocker Spaniel male.
It suited me that I could pay monthly at no extra cost and with the two months free cover i had a two month 'payment holiday' before I had to start paying them, very handy given the expenditure in puppy's first months!
Unfortunately I had to make a claim sooner than I would've liked when my puppy contracted Pneumonia, it was a very stressful time and the cost was going to be very high as he had to be hospitlised and in oxygen tents etc.
To make a claim you can print off a form from the website and fill in a little yourself, then hand it in to the vet's and they will fill out the rest and send it off. In theory that is, More Th<n wrote to me saying that the vet's had missed some information off and they couldn't process the claim yet, however they contacted the vet's themselves and I was glad to be kept informed rather that wondering where the money was! Therefore the claiming process really didn't add to the stress as I had feared.
Then after not very long at all the cheque arrived. You either pay £60 or 15% of the cost of treatment depending on which was more and they reimburse the rest. Therefore you should not expect to be covered for small things as it simply won't be worth it. It was very much worth it for me though.
A downside is that I had to fund all of his treatment at the time which was tough and then reclaim the money later. Some insurers such as Direct Line I believe can sometimes pay the vet direct and save you having to pay now and reclaim. Worth considering anyway.
They do cover for up to £6000 of treatment and have some liability insurance, bereavement counselling and so forth but it is probably best to check out the details on their website (www.morethan.co.uk) as there may be certain things you particularly need cover for etc.
I just went on the site to check some details found that they have changed their website since I was last on there and to be honest I don't find it as easy to navigate and i have just had my account suspended or something because I didn't realise that the login system had changed. Oops.
I might be back on to change my opinion if I can't reinstate my account!
*update - phoned them and turns out the left hand doesn't know what the right hand's doing. My account is fine and although I'd been given the impression my account was suspended and basically non-existent, it was actually fine, in my relief I did forget to reinstate my password etc but hey ho.
One positive was that in my research and my fear that I'd have to get new insurance I looked at what my premium would be and it hasn't changed since I got it so their prices don't fluctuate much. It also appears that the other websites don't offer as comprehensive cover, churchill wouldn't even let me have a quote!
In summary therefore, there are many positives to More Th<n Pet Insurance, you can pay monthly at no extra cost, my experience in terms of efficiency has been good and they provide you with offers related to both pet insurance (ie 2 months free or 15% off now it seems) and to other insurance and credit cards based upon already being a customer.
On the negative side, the site has become a little more difficult to navigate, they don't cover for illnesses that you already know about (but that is standard for insurers) and you do have to pay the vet out of your own pocket and then reclaim the money later.
Overall and to date I have been pleased with my More Th<n Pet Insurance and i wait to see if my premium goes up when my renewal date comes around. I will let you know.
Anything else you'd like to know leave a comment and i'll try and add an answer to my review as soon as possible.
Hope it helps.