More Than Pet Insurance Review

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vickyJ1980's Review of More Than Pet Insurance

25th Apr 2007

Overall Rating

0 stars
  • Value for money
    0 stars
  • Customer service
    2 stars
  • Have you made a claim?
    Yes
Good Points

Nice adverts?


Bad Points

Hidden (in very small print) % based excess
No dental cover
No prescription diet cover
If your pet dies part way through a policy year, they deduct the rest of the years premiums from any settlement cheque


General Comments

Many people take out a More Than insurance policy because it has a good level of media coverage. Many people however, do not look into the small print of this company. Firstly, the main bone of contention is More Than's Pet insurance excesses. A young dog has an excess of 75.00 (or 15%, whichever is the greater). The excess in brackets is in teeny tiny print, and no body notices it until they make a claim and get the shock of their lives if it's a big one. Percentage excesses are bought in on many policies when a pet reaches a certain age, but to have this excess in a young pet is rather unfair to say the least. The policy doesn't cover dental or diet, but doesn't clearly advertise this to its polciy holders. But the most horrific of all is deducting the rest of the years premiums from your settlement cheque if your pet dies or is put to sleep during treatment. Very few insurers do this, and it is an absolute disgrace if you ask me. For anyone with many on-going illnesses, also beware that More Than bump up your premiums significantly (one gentleman was paying nearly £75.00 per MONTH for his old boxer who was receiving cancer treatment.
Vicky
Independant Insurance Advisor for large Vetreinary Practice

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Members' Comments onvickyJ1980's Review

  • daisychain on 31st Jan 2008

    I agree with this review because...I'm also having a lot of problems with More Than. I had to take my cat to the emergency vet one evening as she suddenly became very poorly (never having been ill before). The diagnosis was acute renal failure, a life-threatening condition, yet, More Than are questioning whether it was a genuine emergency and are refusing to refund the emergency vet bill. They say that if I could have taken the cat to the vet during the day they won't pay out. However, I only noticed in the evening that my cat was so poorly (presumably due to her rapidly progressing dehydration). I'm seriously thinking of canceling my pet insurance (I have 10 pets insured) and going for self-insurance.

  • Amanda Jayne Clegg Rank: Sergeant on 8th Mar 2008

    I totally agree Vicky, having to pay the rest of the policy when a pet dies is utterly disgusting. I had to do this when I had to put my 20 year old to sleep. A pretty devastating experience to say the least, but to have the extra stress of not having your claim paid as it was less than that the outstanding premiums, was the nail in the coffin lid for this company as far as I was concerned!

    I will definitely be going elsewhere next time round.

    A well structured review by the way. I hope it stops other people from making the same mistake we did.