Pet Insurance

Premier cover

Give your pets the protection they deserve, with our 5 star Defaqto Rated Premier insurance cover

Premier is our top level of cover, offering long-term peace of mind for your cat or dog.

Premier pet insurance cover includes:

  • Total vet fees limit of £7,500 or £10,000 per year, reinstated annually if policy renewed, to give you ongoing cover.
  • Dental fees for illness and accidents are covered in your annual vet fees, when your pet has had an annual check-up and any recommended treatments carried out.
  • Insurance for puppies and kittens at least 8 weeks old, with no maximum age limit.
  • 24 hour access to vetfone™, a UK helpline if your pet becomes unwell or you need advice on any pet related questions or concerns.
Cover featuresDetails of cover
Description of coverGives you cover up to your vet fees limit each year, for one-off or on-going conditions with no treatment time limit. Vet fee limits are reinstated each year if your policy is renewed.
Vet feesUp to £7,500 or £10,000 per year
Choice of fixed excessFrom £60 for each illness or accident per policy year
Dental coverYes (including illnesses, if yearly check-up is undertaken and any recommended treatment carried out)
Lost pet coverUp to £1,000

Please note: Your pet must be at least eight weeks old when cover starts and the policies don't cover pre-existing medical conditions. There are certain breeds of dogs and cats that cannot be covered. Monetary levels, excesses and exclusions apply. See policy documents

Tesco Bank Pet insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Plc. vetfone™ is provided by Vetsdirect Ltd.

Extra cover

Give your pets a little Extra protection

Tesco Bank Pet Insurance's Extra Cover is for those who want a little more from their insurance, so you can rest assured you’ll be able to take good care of your pet if something unexpected happens.

Extra cover includes:

  • Vet fees for each eligible illness or injury of up to £4,000 or £7,500, until your vet fee limit is reached.
  • Extensive range of features and benefits to ensure you can give your pet the protection they deserve.
  • Insurance for puppies and kittens at least 8 weeks old, with no maximum age limit.
  • 24 hour access to vetfone™, a UK helpline if your pet becomes unwell or you need advice on any pet related questions or concerns.
Cover featuresDetails of cover
Description of coverProvides vet fees cover for each eligible illness or injury, from the first day of treatment until your vet fee limit is reached (as long as your policy remains in force).
Vet feesUp to £4,000 or £7,500
Choice of fixed excessFrom £60 for each illness or accident
Dental coverYes (if as a result of an accident)
Lost pet coverUp to £1,000

Please note: Your pet must be at least eight weeks old when cover starts and the policies don't cover pre-existing medical conditions. There are certain breeds of dogs and cats that cannot be covered. Monetary levels, excesses and exclusions apply. See policy documents

Tesco Bank Pet insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Plc. vetfone™ is provided by Vetsdirect Ltd.

Standard cover

Standard cover to keep your pets protected

Standard Cover from Tesco Bank Pet Insurance helps provide you peace of mind should your cat or dog need veterinary treatment for accidents and illnesses.

Standard cover includes:

  • Cover of up to £3,000 for vet fees for each eligible illness or injury for up to 12 months.
  • Insurance for puppies and kittens at least 8 weeks old, with no maximum age limit.
  • 24 hour access to vetfone™, a UK helpline if your pet becomes unwell or you need advice on any pet related questions or concerns.
Cover featuresDetails of cover
Description of coverCovers vet fees for up to 12 months from the first date of treatment or until your limit is reached whichever happens first (as long as your policy remains in force).
Vet feesUp to £3,000 for up to 12 months
Choice of fixed excessFrom £60 for each illness or accident
Dental coverYes (if as a result of an accident)
Lost pet coverUp to £1,000

Please note: Your pet must be at least eight weeks old when cover starts and the policies don't cover pre-existing medical conditions. There are certain breeds of dogs and cats that cannot be covered. Monetary levels, excesses and exclusions apply. See policy documents

Tesco Bank Pet insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Plc. vetfone™ is provided by Vetsdirect Ltd.

Accident & Injury cover

Accident & Injury cover when you need it most

If you want to make sure you’ve got the basics covered for your pet, then our Accident & Injury pet insurance cover could be right for you. It gives you cover if your cat or dog is hurt in an accident.

Accident & Injury cover includes:

  • Peace of mind if your pet is hurt in an accident, with vet fees limit of up to £3,000.
  • Insurance for puppies and kittens at least 8 weeks old, with no maximum age limit.
  • 24 hour access to vetfone™, a UK helpline if your pet becomes unwell or you need advice on any pet related questions or concerns.
Cover featuresDetails of cover
Description of coverYour vet fees are covered for up to 12 months from the first date of treatment or until your vet fee limit is used up whichever happens first (as long as your policy remains in force) for eligible injuries caused in each accident.
Vet feesUp to £3,000 for up to 12 months
Choice of fixed excessFrom £60 for each illness or accident
Dental coverYes (if as a result of an accident)
Alternative treatmentsYes, for treatments such as physiotherapy, homeopathy or hydrotherapy

Please note: Your pet must be at least eight weeks old when cover starts and the policies don't cover pre-existing medical conditions. There are certain breeds of dogs and cats that cannot be covered. Monetary levels, excesses and exclusions apply. See policy documents

Tesco Bank Pet insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Plc. vetfone™ is provided by Vetsdirect Ltd.

Why choose Tesco Bank Pet Insurance?

  • Over 90% of our customers are very satisfied or satisfied with our claims service
  • Unlimited 24/7 vetfone™ access for expert pet care advice, provided by Vetsdirect Ltd.
  • Fixed excess payments so you’ll know exactly what you have to pay if you make a claim
  • Guaranteed discount for Clubcard customers

What you get from us

Access to vetfone™ and other helplines

If you're worried about your pet’s health at any time, you can call vetfone™'s UK-based helpline to speak to their team of qualified veterinary nurses. They'll listen to your concerns and offer you advice about whether your pet needs to visit a vet, saving you the cost of an unnecessary trip for something you needn't have worried about.

vetfone™ is provided by Vetsdirect Ltd.

Pet Bereavement Counselling Helpline

We know how important your pet is to you, and the heartbreak when they pass away. If the worst happens and you need someone to talk to, our professional counselling service can offer emotional support at a difficult time.

Legal Advice helpline

If you need uncomplicated, practical legal advice on a problem, even if it doesn't relate to your cat or dog, our legal professionals are here to help.

Flexible policy benefits

Young pets are covered from eight weeks old

Puppies and kittens can be insured from just eight weeks old.

Up to £2,000,000 on third-party liability costs

Sometimes our dogs can cause a little too much mischief. With Tesco Bank Pet Insurance, you could be covered for compensation claims if your dog injures another person or damages somebody’s property. There's an excess for property damage.

Pay monthly and spread the cost (at no extra cost)

You can spread the cost of your policy by paying monthly by Direct Debit – and the great news is, it doesn't cost you more.

And if you buy Standard, Extra or Premier cover, you'll also get the following benefits...

We offer even more benefits on these cover levels.

Travelling with your pet

The United Kingdom Government Pet Travel Scheme (also known as PETS) allows you to take your pet temporarily to certain countries and return to the UK without the hassle of putting them into quarantine.

Tesco Bank Pet Insurance offers Pet Travel Cover with the Standard, Extra or Premier cover levels, when you travel to any country covered by the PETS scheme. It will cover you for repeating a worming treatment or emergency vet fees abroad. We'll also pay if you loose your pet passport, or it is stolen or destroyed or if the microchip fails and you do have to put them into quarantine. The Accident & Injury cover level doesn't include this cover.

Cover for lost or missing pets

If your pet goes missing, the Standard, Extra and Premier cover levels of Tesco Bank Pet Insurance will cover 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, we’ll also cover what you paid or donated when you bought them, up to a cost of £1,500.

Exclusive discounts

Guaranteed Clubcard discount

Exclusive discount for Tesco Clubcard holders when you take out a Tesco Bank Pet Insurance policy.

Multi-pet discount

With our multi-pet discount, you get 10% off the additional premium for each additional pet you add to your policy. Discounts are applied consecutively.

Get a 15% online discount when you buy Standard, Extra or Premier

If you're a new customer you get a 15% discount when you buy Standard, Extra or Premier cover online. Subject to a minimum premium. Tesco Pet Accident & Injury Insurance is excluded.

Protect your best friend

For your cat or kitten

Your cat is there to comfort you when you need it. Give it the right protection in return with one of our four cover levels.

For your dog or puppy

We know your dog is an important member of the family. Give them the protection they deserve with one of our four levels of cover.

Contact us

Got a question about your cover? Our UK-based contact centre is here to help. We are open Monday-Friday 8am-8pm, Saturday 9am-5pm and Sunday 10am-5pm.

Making a claim?

Find out what you need and what to expect when you make claim.

Important information

Key information and policy documents

Tesco Bank Pet Insurance is arranged, administered and underwritten by Royal and Sun Alliance Insurance plc.

Defaqto is an independent researcher of financial products.

Check which cover level is right for you and your pet

Please read the policy documents to make sure that the cover level you've selected meets your needs.

The policy booklet also contains information on cancellation rights that apply.

Our statistics

Customer satisfaction statistics

Over 90 percent of customers are very satisfied or satisfied with the claims service they received. Based on the Tesco Bank Pet Customer Satisfaction Monitor May 2014 – May 2015.

Pet Travel Cover

Travelling with your pet

The United Kingdom Government Pet Travel Scheme (also known as PETS) allows you to take your pet temporarily to certain countries and return to the UK without the hassle of putting them into quarantine.

Tesco Bank Pet Insurance offers Pet Travel Cover with the Standard, Extra or Premier cover levels, when you travel to any country covered by the PETS scheme. It will cover you for repeating a worming treatment or emergency vet fees abroad. We'll also pay if you lose your pet passport, or it is stolen or destroyed or if the microchip fails and you have to put them into quarantine. The Accident and Injury cover level doesn't include this cover.

Exclusions

Standard, Extra & Premier

Changes you or your vet notice in your pet's health, or behaviour, in the first 14 days of your cover start date, aren't covered. Illness or injuries that develop from these changes are also not covered. This exclusion only applies in the first policy period for a pet.

Accident & Injury

Any accident or injury in the first 5 days of your cover start date isn't covered. Any illness that develops from any accident or injury is also not covered. This exclusion only applies in the first policy period for a pet.