That's quite poor service from Petplan. I guess maybe they became a bit complacent, having 45% of the market share.

Anyway, I personally dont have experience of More Than but maybe this real life story will help you. I also heard quite a lot of good things about them on this forum.

Meet Real Pets and Owners #3: Finney and Gaynor | Pet Insurance Discount

CuddyPuppy, if you want to change your insurance policy I suggest you do it as soon as possible. When you will buy a new policy, you will have a 14-day waiting period during which you cannot claim for illnesses. So arrange asap.

Good luck!