Compare Lifetime Pet Insurance: More Than Premier vs John Lewis Premier

In this series of articles in which we compare pet insurance policies we will compare the top-of-the range lifetime pet insurance policies currently offered by More Than and John Lewis.

These are the More Than Premier Policy and the John Lewis Premier Policy. Although both policies are underwritten by RSA (Royal Sun Alliance) there are still difference in the cover they provide.

Vet Fees Cover Limit

Both policies have a cover limit of £12,000 per annum. They are both annual sum lifetime policies which means that this limit is reinstated each year providing you renew the policy on the terms offered.

Dental, Diet & End of Life

John Lewis More Than
Dental Cover Injury only Accident & Illness
Prescription Food All All
Euthanasia & Cremation £100 each £200

Complementary Therapies

Cover for complementary therapies, including behavioural treatment, are included in both policies (£1,500 for More Than and £2,000 for John Lewis).

Other Benefits

John Lewis More Than
Third Party £3m £3m
Death Benefits £1,500 £1,500
Boarding Fees £2,000 £1,000
Advertising (incl Reward) £1,000 -
Advertising - £1,000
Reward - £1,000
Holiday Cancellation £3,000 £2,000
Accidental Damage £750 £2,000

It is also worth noting that the holiday cancellation benefit in both policies only covers trips to Europe.

Excess and Contribution Percentages

The excess for the More Than policy is £75 for pets under 8 and £150 for pets over 8. You can choose to pay 10% of vet fees in return for a lower premium.

John Lewis offer a choice of excess payments (£60, £80 or £140). Once your pets reach the age of 9 you will have to pay either your chosen excess fee or 20% of vet fees (whichever is the greater).


In our pet insurance premium survey which was conducted in February 2014 the average quote for the More Than Premier policy was £23.12 as opposed to £32.52 for the More Than Premier policy. However it is important to remember that, as all pet insurance quotes depend on your postcode and the breed and age of your pet, the quotes you get for your pets may be very different.

It is very important to consider premiums in future years as well as the initial premium! You need to remember that any introductory or online discounts you received will not apply in future years. Currently More Than offer a 10% online discount and John Lewis offer a 20% online discount.

It is of course impossible to predict renewal premiums. Having said this we have read lots of reports recently which suggest that many John Lewis and More Than policyholders (and others with policies underwritten by RSA) have experienced substantial hikes in renewal premiums.

Background and Reputation

Whereas More Than is a brand is which is part of the RSA (Royal Sun Alliance) Group, John Lewis are primarily a retail organisation whose policy is underwritten by The RSA Group .

Arguably the most important thing you need to find out about any insurance policy provider is “Will they pay out if I make a claim?” We have recently conducted a survey of pet insurance claims experiences. John Lewis at the time of writing had received 13 reviews all of which rated their claims service at 5/5. More Than with 42 scores had received an average rating of 4.5/5. However you will get a better picture by reading the More Than Pet Insurance reviews and John Lewis Pet Insurance reviews.

Full Policy Details

More Than – Premier Policy
John Lewis Pet Insurance – Premier Policy

Your Experiences

If you have one of the above policies and have any comments to make then please do leave your thoughts on our Facebook Page.

Please Note
Whilst we have taken great care in ensuring the information below is accurate at the time of writing this article in November 2014, we cannot be responsible for its accuracy and it is important that you check all the details with the insurer by reading their policy document before purchasing the policy.

Checkout a Policy


Please note that pet insurance terms often change. Whilst we will do our best to keep this website up to date you must check with the appropriate insurer before making any decisions. If you find any mistakes on this website please do let us know so we can correct it for the benefit of future visitors. Many thanks!


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