More Than Travel Insurance Review

More Than Travel Insurance Review

More Than Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of More Than plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are More Than and who underwrites their policies?

More Than was launched in 2001 and is the subsidiary of the Royal Sun Alliance Group. With a 300 year heritage, RSA is one of the world's leading multinational quoted insurance groups.

More Than offer both single and annual travel policies with three levels of cover Silver, Gold and Diamond to choose from. We have given the Diamond policy a five star rating. There is a 15% online discount for annual policies and up to six children can travel free of charge under a family policy.

MORE TH>N Travel insurance is administered and sold by Hood Travel Limited. Travel Insurance is underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance. Read our review to find out whats covered and which policy will be suitable for you.

More Than Travel Insurance Policies are Underwritten By AWP P&C SA

How More Than Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by More Than.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from More Than Travel Insurance, they are Diamond, Gold, Silver, we have rated these as follows:-

Rating for Single Trip Diamond:

Rating for Single Trip Gold:

Rating for Single Trip Silver:

Single Trip Travel Insurance Guide here
More Than Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
More Than Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from More Than Travel Insurance, they are Silver, Gold, Diamond, we have rated these as follows:-

Rating for Annual Silver:

Rating for Annual Gold:

Rating for Annual Diamond:

Annual Travel Insurance Guide here
More Than Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

More Than Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

16 Key Points you need to know about More Than's travel policy wording

1

What is the age/classification of a child on the policy?

Up to six children can travel free of charge under a family policy. A child is someone who is aged 17 years or less, dependent, and are either in full time education or living with one of the insured adults.

2

What are the policy age limits?

You must be between the ages of 18 and 79 in respect of both single trips and annual policies.

3

What are the policy Trip Duration limits?

A single trip may be taken out for up to 94 days.

An annual policy allows you to travel as many times as you like throughout the policy year. However each individual trip is restricted to 31 days for silver cover, 45 days for gold cover and 62 days for diamond cover

4

What does the policy offer for Winter Sports cover?

Winter sports can be added to the length of a single trip policy or for up to 17 days in total under a annual policy. (This applies only to travellers up to the age of 65)

The policy includes cover for 18 different pursuits as standard, including off piste skiing or snowboarding (except in areas marked as unsafe by the resort). A further ten pursuits can be added subject to payment of an additional premium.

The policy covers ski equipment, equipment hire, Lift Passes, Ski Pack, Piste closure, Avalanche and landslide cover.

5

What is classed as a family and how many people can be quoted for?

A policy may be taken out by single persons, couples and families including up to six children. A single trip policy may also be taken out by groups of individuals (who do not have to be related but must travel together).

Children who are 17 years of age or younger, are still insured to travel separately, only if they are travelling with another relative, guardian or person with a legal duty of care, for example a school teacher on a school trip.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

When travelling to European Union countries, you should take the European Health Insurance Card with you. When travelling to Australia or New Zealand, you should enrol in the local Medicare scheme.

If the use of the EHIC or medicare reduces a medical expenses claim, More Than will waive the respective excess. 

7

What is covered under Sports and Activities on the policy?

Sports activities can be covered provided you use the recommended safety equipment, the activity is not on a professional basis.

More Than list 91 activities which they will automatically cover, including scuba diving down to a depth of 30 metres. There are an additional 76 activities which can be included, subject to payment of an additional premium.

8

What are the policy Alcohol Exclusion terms?

Claims arising from alcohol are excluded. More Than do not expect you to avoid alcohol, whilst on your trip, but will not cover any claim arising, where you have drunk so much alcohol, that you have noticeably impaired faculties and judgement and this causes a claim.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Scheduled Airline failure covered as standard on all policies. The Diamond policy also covers End Supplier Failure as standard.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

The policy excludes pre existing medical conditions as standard, however you can declare conditions online during the quotation process, to obtain cover.

The process is very slick and easy to use and More Than provide quotes on  a range of pre existing medical conditions.

11

What are the policy rules on travelling when pregnant?

There is no mention of pregnancy in the policy. If you wish to clarify whether a complication is covered under the policy we recommended contacting the Insurer direct for confirmation.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

The policy excludes any claim connected to manual labour. Manual labour is defined as work involving physical labour, but does not include office and clerical work, bar and restuarant work, music performance, singing or fruit picking (fruit picking that does not involve the use of machinery)

13

Do I need original receipts for lost baggage if I need to claim on the policy?

Claims are not covered, where you are unable to provide receipts or other reasonable proof of ownership for items that you are claiming for.

14

What does the policy cover in the event of war, terrorism or cyber attack?

Any claim in relation to war is excluded, but terrorism is not mentioned in the exclusions

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

Comprehensive cover against catastrophe is available as an optional extra.

16

Do I have to be a UK resident to be covered under this policy?

All persons must have their main home in the United Kingdom, Channel Islands or Isle of Man and be registered with a local doctor. UK residents must have a national insurance number.

More Than's 'User Friendly' Rating

That's Insurance have reviewed More Than's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where More Than rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for More Than Travel Policies

We've highlighted Pro's anc Cons for More Than, click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by More Than.

  • Diamond Policy rated 5 stars
  • Up to six children travel free under family policies
  • 15% online discount for annual travel policies
  • Annual Trip duration 45 days gold cover and 62 days diamond cover as standard
  • Includes cover against terrorism

No Con's

What Cover do More Than policies offer.

We've listed below cover levels for policies offered by offered by More Than To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Diamond

    Single Trip

    Gold

    Single Trip

    Silver

    Single Trip

    Silver

    Annual

    Gold

    Annual

    Diamond

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    40

    60

    100

    100

    60

    40

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    20,000,000

    15,000,000

    10,000,000

    10,000,000

    15,000,000

    20,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    7,500

    5,000

    1,500

    1,500

    5,000

    7,500

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    20,000

    10,000

    2,500

    2,500

    10,000

    20,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    2,000

    1,500

    1,500

    2,000

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    400

    300

    200

    200

    300

    400

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    400

    300

    150

    150

    300

    400

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    300

    200

    200

    300

    400

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    30,000

    15,000

    15,000

    30,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    2,000

    1,500

    500

    500

    1,500

    2,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    500

    400

    250

    250

    400

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    500

    400

    150

    150

    400

    500

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    500

    500

    250

    250

    500

    500

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    500

    250

    250

    500

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    500

    250

    0

    0

    250

    500

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    250

    200

    150

    150

    200

    250

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,500

    0

    0

    0

    0

    1,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    250

    200

    100

    100

    200

    250

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

Sample Quotes from More Than.

Listed below are some Sample Quotes offered by More Than (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 65 - 70

Trip Days: 14

More Than Travel Insurance Review
That's Insurance Rating

Customer Rating

Diamond

40

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 7,500

Missed Departure 500

Delayed Departure 500

Baggage 3,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 50 - 59

Trip Days: 7

More Than Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 250

Delayed Departure 250

Baggage 1,500

Personal Accident 2,500

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Europe

Individual

Age: 71 - 75

Trip Days: 14

More Than Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 250

Delayed Departure 250

Baggage 1,500

Personal Accident 2,500

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 50 - 59

Trip Days: 365

More Than Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

60

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 500

Baggage 2,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 30,000

Annual

Europe

Family

Age: 50 - 59

Trip Days: 365

More Than Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

60

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 500

Baggage 2,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 30,000

Annual

Worldwide

Individual

Age: 60 - 64

Trip Days: 365

More Than Travel Insurance Review
That's Insurance Rating

Customer Rating

Diamond

40

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 7,500

Missed Departure 500

Delayed Departure 500

Baggage 3,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 50,000

How to Buy Travel Insurance from More Than

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for More Than - No Current Discount Codes

Visit More Than's Website and Get a Quotation direct

Customer Reviews of More Than

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