Finance & Economics

Best pet insurance offers from major UK banks you should think about

Here is the list of the top 5 UK banks that offer pet insurance

pet insurance

Best pet insurance offers from major UK banks you should think about. Source:

Pets are dear, like family members to most of their owners. That’s why when we think of “a rainy day”, we must also consider our pets’ needs. Unexpected illness or injury of your pet may become a heavy financial burden unless you already have it covered. Many institutions offer pet insurance services. They range from basic cover (accident only) to comprehensive veterinary care (routine check-ups, vaccination, etc).

M&S Bank

The bank has three different levels of pet insurance. Depending on your personal needs, you may choose among the long-term premier and standard cover policies or essential cover (12 months limited or vet fee limited per condition policy). There are also separate types of policies for cats and dogs. The offer includes a 5% multi-pet discount for any additional cat or dog you choose to insure.

  • The premier insurance policy provides you with lifetime cover, allowing you to claim up to £7,000 in vet fees each year. The limit is reinstated annually, as long as you renew each year without a break in cover.
  • Standard cover offers up to £4,000 towards vet fees annually with a limit of £1,000 for each separate illness or injury each year. It is also reinstated annually, as long as you renew each year without a break in cover.
  • Essential cover allows you to claim, for each new condition, up to a £3,000 limit in vet fees or for a maximum claim period of 12 months from the first date of vet treatment. Once you reach either, whichever comes first, you will no longer be able to claim for the same condition in the future, even if you renew your policy.

Metro Bank

The bank partnered with Everypaw Pet Insurance to offer unlimited 24/7 access to vets and vet nurses for your dogs, cats and rabbits with the Petcall service. Policies are easily managed online via the Pet Portal. Pet owners also get a multi-pet discount. Like most other providers, Everypaw doesn’t cover pre-existing conditions. The offered policies are lifetime cover. They apply for both domestic and overseas treatment.

  • Dogs can be insured as soon as they are eight weeks old. The full range of policy benefits start after 14 days, with accidental cover starting after 3 days. The policy covers vet bills, surgery, medication or further prescribed treatment for new conditions. There are six levels of Lifetime cover to choose from. Depending on your choice, you can claim from £1,000 to £10,000 in vet fees each year. The excess for each separate illness or injury each year is £110. The policies also cover some amount of additional costs associated with the pet loss or death. Depending on the breed of the dog, the 5th and 6th insurance levels may not be available.
  • The insurance age for cats starts at 8 weeks and ends at 10 years. The full range of policy benefits start after 14 days, with accidental cover starting after 3 days. Depending on your choice of Lifetime cover, you can claim from £1,000 to £10,000 in vet fees each year. There’s an excess of £80 for each separate illness or injury each year. Additional benefits include boarding/cattery fees if you get hospitalized.
  • Rabbits can be insured from 8 weeks of age up to age 5. As long as you’ve covered your pet before age 5, Lifetime insurance will also help with vet care in their old age. There are three levels of insurance cover with vet fee limits of £1,000 – £3,000. An excess for each separate illness or injury is £60 per year. The policies cover physiotherapy, boarding expenses and costs associated with finding your pet if needed.


The bank offers Premier Pet Insurance underwritten by U K Insurance Limited. The policies cover up to £8,000 per year towards veterinary fees to treat illness or injury, with no restriction to the number of claims you can make. You can cover your cats and dogs under one policy with one renewal date.

Vet fees cover for illness or injury includes:

  • Up to £1,000 for complementary treatments
  • Up to £250 for behavioural disorders
  • Up to £250 for clinical diet
  • Up to £250 for transportation costs for referral to a vet
  • Up to £500 for dental treatment

If your pet dies as a result of an accident or illness, the amount up to £1,500 will be paid.

The policy also covers journeys to countries included in the Government’s Pet Travel Scheme. Its additional benefits are:

  • Quarantine costs – up to £2,000
  • Loss of your pet’s passport – up to £250
  • Repeat tick and worming treatment – reasonable fees
  • Emergency expenses abroad – up to £500 per journey
  • Up to £1,000 towards boarding and kennel costs
  • Up to £5,000 for expenses that you cannot get back from anywhere else if you have to cancel your holiday

You’re also covered up to £1,500 towards local advertising costs if your pet is lost or stolen, and up to £500 for a reward.

Sainsbury’s Bank

The bank offers three types of pet insurance – with vet fee cover up to £10,000. Clients can choose time-limited covers (up to 12 months), maximum limit covers (up to the max amount per condition) or lifetime covers. All customers buying those policies get 24/7 access to qualified, UK-based vet nurse support online or over the phone. The policies don’t cover pre-existing conditions. Nectar members and owners of multiple pets get discounts.

Dog insurance and cat insurance cover dental treatment, complementary treatments, physiotherapy, behavioural treatment and overseas treatment. Additionally, you’ll receive some insurance cover in the case of your dog’s death or loss. Emergency boarding/kennel fees are paid if you’re ill/injured for over 48hrs. There’s also third party liability cover. Eligibility criteria and conditions also apply. There are some breeds that cannot be covered under the £10,000 limit.

Holiday travel cover includes holiday cancellation, quarantine costs, loss of healthcare certificate, and emergency expenses abroad.

For rabbits, only lifetime cover applies. You can claim insurance payments for dental treatment, complementary treatments, physiotherapy, herbal or homeopathic medicine. In addition, you get emergency boarding or rabbit retreat fees (if you’re ill, injured or hospitalised for more than 48 hours) and advertising and reward cover in case your rabbit gets lost.

Tesco Bank

Tesco Bank Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd. It’s applicable for cats and dogs only.

The customers have four levels of cover to choose from:

  • Accident and injury, with vet fees limit up to £3,000
  • Standard, with vet fees limit up to £3,000
  • Extra, with vet fees limit up to £7,500
  • Premier, with vet fees limit up to £10,000

The time limits for vet cover equal 12 months for Accident and injury and Standard covers. Extra cover lasts until the vet fees limit is used up for each accident or illness, if your policy is renewed and there is no break in cover and your premiums are paid. For premier cover, fees limits are reinstated annually, if your policy is renewed and there is no break in cover and your premiums are paid. It’s important you budget for renewal prices to increase as your pet gets older.

With Tesco Bank Pet Insurance, you could also be covered for compensation claims if your dog injures another person or damages somebody’s property. There’s an excess for property damage.

Insurance offers Pet Travel Cover with the Standard, Extra or Premier cover levels, when you travel to any country covered by the PETS scheme.

If your pet goes missing, the Standard, Extra and Premier cover levels will pay out your advertising costs up to £1,000, including a reward of up to £200. If the worst happens and your dog isn’t found within 45 days, the insurance also covers what you paid or donated when you bought them, up to a cost of £1,500.​


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