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|
|Euthanasia & Cremation||£100 each||£200|
Cover for complementary therapies, including behavioural treatment, are included in both policies (£1,500 for More Than and £2,000 for John Lewis).
|John Lewis||More Than|
|Advertising (incl Reward)||£1,000||-|
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
If you have one of the above policies and have any comments to make then please do leave your thoughts on our Facebook Page.
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.