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:-

Dog Argentinos.
American Pit Bull Terrier
Fila Braxilieros
Japanese Tosas
Pit Bull Terrier
Wolf Hybrids

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.