I used to be with More Than and the additional cost was added year before last I think it wasnt on there when I took the policy out for Kobi when he was an 11 week old pup. Unless they have changed the excess rule too, you only did have to pay the excess once, or Once every new policy year, but the 10% you have to pay each and every claim. But you will have to double check it is still excess only once or once every new premium year as I havent been with them in awhile.

Also their policies were not true life time either, it used to be an amount per condition with no time limit but once that amount was used they wouldnt pay out any more. They also tended to lump conditions together by type too rather then each individual condition. If I remember rightly after I had been with them a while I think the terms and conditions changed too that anything the dog had more than one of it counted as one. IE 7000 per condition. 2 hips counted as one so if your dog needed two hip ops which can be 6/7000 for one, then you might not be covered on the other.

The decider why I changed though after 3 going on 4 years was not only the change in terms and conditions including the 10% of each claim, The premium suddenly jumped from £39.00 a month to £70.40 a rise of 30.00 per month in one
go.Even though when I took out the policy it said claims didnt effect premiums.

One thing I would say though, the services is efficient and they do pay out.
It has been awhile since I was with them as I said so things culd have changed again since, but from what I can remember thats what it was when I was with them.

As I

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