More Than Travel Insurance Review

More Than Travel Insurance Review

Reviewed by:

With worldwide pandemics an the increasing possibility , choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

Once you have read this review of More Than 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 Travel Insurance

Due to COVID-19 and its effect on worldwide travel, More Than have decided to suspend new sales of travel insurance as a temporary measure.

In the meantime please click here for alternative travel insurance solutions

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.

How to Buy Travel Insurance from More Than

Click on the website link to go directly to the insurance providers website. Visit More Than's Website and Get a Quotation direct

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

Click on the white 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:

More Than Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

More Than Backpacker Insurance Review

Annual Policy Ratings Click to Expand

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

Rating for Annual Diamond:

Rating for Annual Silver:

Rating for Annual Gold:

More Than Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

More Than Longstay 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

Key Points you need to know about More Than's 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 are the options 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. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

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 natural disaster or catastrophe before and during my 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 Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on more-than-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how More Than compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for More Than Policies

We've highlighted Pro's and Cons for More Than, click on the white 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 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

    Silver

    Annual

    Gold

    Annual

    Diamond

    Annual

    Diamond

    Single Trip

    Gold

    Single Trip

    Silver

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    60

    40

    40

    60

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    15,000,000

    20,000,000

    20,000,000

    15,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,500

    5,000

    7,500

    7,500

    5,000

    1,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    2,500

    10,000

    20,000

    20,000

    10,000

    2,500

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,500

    2,000

    3,000

    3,000

    2,000

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    300

    400

    400

    300

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    150

    300

    400

    400

    300

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    300

    400

    400

    300

    200

  • 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

    15,000

    30,000

    50,000

    50,000

    30,000

    15,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    2,500

    10,000

    20,000

    20,000

    10,000

    2,500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    300

    400

    400

    300

    200

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    1,500

    2,000

    2,000

    1,500

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    400

    500

    500

    400

    250

  • 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

    150

    400

    500

    500

    400

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    250

    500

    500

    500

    500

    250

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    250

    500

    500

    500

    500

    250

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    250

    500

    500

    250

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    150

    200

    250

    250

    200

    150

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    1,500

    1,500

    0

    0

  • 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

  • Gadget Cover
    Gadget 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

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    100

    200

    250

    250

    200

    100

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    N

    N

  • 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

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 21

More Than Travel Insurance Review
Product Rating

Experience Rating

Diamond

40

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

Europe

Couple

Age: 71 - 75

Trip Days: 21

More Than Travel Insurance Review
Product Rating

Experience Rating

Gold

60

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

Couple

Age: 30 - 39

Trip Days: 365

More Than Travel Insurance Review
Product Rating

Experience Rating

Diamond

40

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

Annual

Worldwide

Individual

Age: 71 - 75

Trip Days: 365

More Than Travel Insurance Review
Product Rating

Experience Rating

Diamond

40

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