Pet Insurance
Choose Tesco Bank Pet Insurance for a saving not to be sniffed at, with a guaranteed Clubcard member discount and 24/7 access to vetfone™
Guaranteed discount for Clubcard members
Whether you’re a new customer or renewing your cover this year, you’re guaranteed a Clubcard discount.
All you need to do is tell us your Clubcard number when you get a quote.
Over 1 million Clubcard members trust Tesco Bank with their Pet, Home, or Car Insurance.
Before you get your Pet Insurance quote
Information on how we collect and use your personal data (including profiling and automated decisions) and your rights under data protection laws are in our privacy notice. Data may be obtained from and shared with the wider Tesco Group and fraud prevention agencies.
Tesco Bank Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd. Vetfone™ is provided by Vetsdirect Ltd.
We know how important it is to give your dog or cat the protection they deserve. That's why we have a range of cover levels to help suit your needs and budget.
Why choose Tesco Bank Pet Insurance?
- Dog Insurance Standard cover from £63.52 per year, (£5.30 per month). That's what 10% of new customers paid between 13 June and 31 July 2023 based on all £3,000 vet fee limit policies sold. The amount you could pay depends on individual circumstances.Dog Insurance Standard cover from £63.52 per year, (£5.30 per month). That's what 10% of new customers paid between 13 June and 31 July 2023 based on all £3,000 vet fee limit policies sold. The amount you could pay depends on individual circumstances.
- Cat Insurance Standard cover from £40.29 per year, (£3.36 per month). That's what 10% of new customers paid between 13 June and 31 July 2023 based on all £3,000 vet fee limit policies sold. The amount you could pay depends on individual circumstances.Cat Insurance Standard cover from £40.29 per year, (£3.36 per month). That's what 10% of new customers paid between 13 June and 31 July 2023 based on all £3,000 vet fee limit policies sold. The amount you could pay depends on individual circumstances.
- Our Premier Cover is 5 Star rated by Defaqto, for policies with £4,000 or more vet fees. Defaqto is an independent researcher of financial products who provide intelligence to support better decision making.Our Premier Cover is 5 Star rated by Defaqto, for policies with £4,000 or more vet fees. Defaqto is an independent researcher of financial products who provide intelligence to support better decision making.
- We paid 9 out of 10 customer claims between September 2022 and August 2023.We paid 9 out of 10 customer claims between September 2022 and August 2023.
- We understand that your pets are family. You can speak to an expert any time, day or night. On the phone or by video with vetfone™, provided by Vetsdirect Ltd. We understand that your pets are family. You can speak to an expert any time, day or night. On the phone or by video with vetfone™, provided by Vetsdirect Ltd.
- We can pay claims direct to your vet, if they’re happy to receive direct payments. Excesses will apply.We can pay claims direct to your vet, if they’re happy to receive direct payments. Excesses will apply.
- Our Premier lifetime cover covers vet fees up to £10,000.Our Premier lifetime cover covers vet fees up to £10,000.
- Excesses will apply to your policy, which will affect the amount of premium you pay, and the amount you pay towards any vet treatment. When your pet turns 8, the amount you pay if they need vet treatment may increase. More on excessesExcesses will apply to your policy, which will affect the amount of premium you pay, and the amount you pay towards any vet treatment. When your pet turns 8, the amount you pay if they need vet treatment may increase. More on excesses
Compare our levels of cover
|
Accident and Injury |
Standard |
Extra |
Premier |
|
|---|---|---|---|---|
|
Vet fees limit |
£3,000 |
£3,000 |
£4,000 or £7,500 |
£2,000, £4,000, £7,500 or £10,000 |
|
Time limit for vet fees cover |
12 months from the first date of treatment, or until the vet fees limit is used up, whichever happens first, if your policy is renewed and there is no break in cover and your premiums are paid. |
12 months from the first date of treatment, or until the vet fees limit is used up, whichever happens first, if your policy is renewed and there is no break in cover and your premiums are paid. |
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. |
Vet fees limits are per year and are reinstated annually, if your policy is renewed and there is no break in cover and your premiums are paid. |
|
Dental cover as the result of an accident |
as the result of an accident |
as the result of an accident |
as the result of an accident |
plus additional illness and injury cover if yearly check-up and any recommended treatment undertaken |
|
Lost pet cover towards the cost of trying to find your pet |
N/A |
Up to £1,000 |
Up to £1,000 |
Up to £1,000 |
|
Cover for accidents and injuries |
|
|
|
|
|
Additional cover for illness |
N/A |
|
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|
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24hr access to the vetfone™ helpline - unlimited free telephone and video calls. 0800 197 4949 |
|
|
|
|
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Saying goodbye towards the cost of putting your pet to sleep and their burial or cremation |
N/A |
Up to £200 |
Up to £200 |
Up to £200 |
|
If you’re unwell the cost of your pet being looked after if you unexpectedly need to go into hospital for more than 4 days |
N/A |
Up to £1,000 |
Up to £1,000 |
Up to £1,000 |
|
Pet travel cover for vet fees within the EU under the Pet Travel Scheme |
N/A |
Up to your vet fees limit |
Up to your vet fees limit |
Up to your vet fees limit |
|
Death from accident or illness we will refund the price you donated for them (excluding pets over 9 from illness) |
N/A |
Up to £1,500 |
Up to £1,500 |
Up to £1,500 |
|
Complementary treatments such as physiotherapy, homeopathy or hydrotherapy on the advice of a vet. |
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|
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Pets must be at least eight weeks old when cover starts and any pre-existing injuries and illness are not covered. Exclusion periods for injury and illness apply. Certain breeds of cat and dog are also not covered. Monetary limits, excesses and exclusions apply, see the policy documents for full details.
It's important you budget for renewal prices to increase as your pet gets older.
Accident Only - There are a number of reasons including new developments and diagnosis and treatments which have meant that vets can give pets even better care, which is great news for your pet but means an increase in vet costs. There is no limit to how much your renewal price can increase over time.
Standard, Extra, Premier - Like us, as pets get older, sadly they're more likely to get ill. In fact, our claims data shows that the cost of looking after your pet's health doubles every four to five years. That's why your renewal price increases each year, and your excess may increase when your pet turns 8.
A claim being paid also increases the chance that a future claim will be made and can therefore also cause your renewal price next year to double.
How much they go up is different for everyone and depends on things like your pet's breed, their age and health, and there is no limit to how much your renewal price can increase over time.
Talk to us through Live Chat
Ask a general question about your quote or policy, make changes and payments or chat to us about your renewal. We're open Monday to Friday 8am-6pm and Saturday 9am-5pm
Multi-pet discount
Insure multiple pets and get a discount on each additional pet you add to a policy when you buy Standard, Extra and Premier cover. Accident and Injury cover is excluded.
Guaranteed discount for Clubcard members
Whether you’re a new customer or renewing your cover this year, you’re guaranteed a Clubcard discount. All you need to do is tell us your Clubcard number (if asked), when you get a quote.
Flexible policy benefits
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
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...
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 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.
Monetary limits, excesses and exclusions apply.
FAQs for Pet Insurance
This depends on how much cover you need, whether you need cover for illnesses as well as accidents, whether you want cover for the long term or short term, or for extras such as dental treatment.
Pre-existing illnesses and injuries are not covered by our policies.
You will have to pay a fixed excess when you make a claim for vets fees, you can choose the amount when you take out your policy (£60, £120 or £200). You can also choose to pay a percentage of the vet bill as well which will reduce the premium you pay. The higher your excess, the more you’d need to pay towards making a claim. For claims where a pet is aged 8 or over, you will need to pay your chosen fixed excess and 20% of the remaining costs. There are some claims where you won’t need to pay an excess. Find out more about excesses.
Yes, your older pet can be insured. For cats and dogs over the age of eight, you will need to pay 20% of each remaining vet bill yourself as well after your fixed excess has been deducted.
All our policies offer cover for dental fees due to an accident. Our Standard and Extra policies offer dental cover if the treatment is needed due to an underlying issue. Our Premier policies cover treatment due to accidents and illnesses and all other dental treatments if your pet has a yearly check-up and has the recommended treatment.
Vaccinations are not covered by pet insurance, as they are not unexpected costs.
When you make a claim, we get to work. We can pay your vet directly if they’re happy to receive direct payments and will contact you to let you know when it’s done. Find out more about making a claim.
Other customers have been asking
Contact us we’re here to help
Got a question about your cover? Our UK-based contact centre is here to help. We are open Monday-Friday 8am-6pm and Saturdays 9am-1pm.
Important information
Tesco Bank Pet Insurance is arranged, administered and underwritten by Royal and Sun Alliance Insurance Ltd.
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.
Renewal costs
It's important you budget for renewal prices to increase as your pet gets older.
Accident Only - There are a number of reasons including new developments in diagnosis and treatment which have meant vets can give pets even better care, which is great news for your pet but means an increase in vet costs. There is no limit to how much your renewal price can increase over time.
Standard, Extra, Premier - Like us, as pets get older, sadly they're more likely to get ill. In fact, our claims data shows that the cost of looking after your pet's health doubles every four to five years. That's why your renewal price increases each year, and your excess may increase when your pet turns 8.
A claim being paid also increases the chance that a future claim will be made and can therefore also cause your renewal price next year to double.
How much they go up is different for everyone and depends on things like your pet's breed, their age and health, and there is no limit to how much your renewal price can increase over time.
All claims are subject to excesses
Various excesses apply to your policy. Read our page on excesses for more information.
We'll search our records for your Tesco Clubcard number, and we may access and use information (including transactional information, name and address) from your Clubcard. This will help us and your insurer to assess your premium and will only be used to make a positive impact on your premium.
How we collect and use your personal data
Tesco Personal Finance plc, trading as Tesco Bank as part of the Tesco Group and the insurer who may underwrite your policy take the security of your data seriously. Detailed information on how we handle your data and your rights under data protection laws is available in our Privacy Notice.
We collect data when you browse our website (e.g. your IP address), request a quotation, partially complete a quotation, do not purchase or provide data indirectly via price comparison sites. We keep quote data for up to 7 years and we may use this information if you apply for a product again in the future.
We will use your data to give you quotes, provide our services to you, perform eligibility checks, work out insurance risk, manage debt, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to detect crime.
We use data such as your name and address, to find any Tesco Clubcard(s) that are linked to your address. That might be your Clubcard, the Clubcard of other family member(s), or the Clubcard of house or flat mates. We may use this information to tailor our communications and to try to bring you better terms, deals or offers, and this may include profiling on an on-going basis. We may also award Clubcard points.
Data may be obtained from and shared with the wider Tesco Group and fraud prevention agencies (FPAs). The FPAs will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected this may be shared with other organisations and you could be refused certain services, finance or employment.
By proceeding with your application you acknowledge we can use your data in this way.
All policies
- Pets must be at least eight weeks old when cover starts, any pre-existing injuries and illnesses are not covered.
- Monetary limits, excesses and exclusions apply.
- Certain breeds of cat and dog are not covered, including Pit Bull, Pit Bull type, Japanese Tosa, Fila Brazileiro, Dogo Argentino, American Bulldog, Wolf or Wolf hybrid or of any breed not on our breed list unless we have agreed to cover it.
We do not offer cover if:
- You have ever had an insurance policy declared void or cancelled by an insurer.
- Your pet is used for breeding (this means used for breeding more than two times in its lifetime).
- Your pet is used as a business or to make money or earn an income.
- Your dog is trained to attack, used for security or as a guard dog.
Accident and Injury
Illnesses are not covered unless the illness develops from accident or injury your pet suffers while insured under this policy.
Accidents within the first 5 days of your policy first starting, or any illness or injury that develop from them.
No cover for cruciate ligament* problems however caused.
This policy will not cover health issues, concerns, illnesses and injuries which you or your vet were aware of before you took out the policy, they are known as pre-existing conditions. Pre-existing conditions are:
- signs or symptoms of diagnosed or undiagnosed injuries or illnesses.
- existing illnesses or injuries.
- existing physical abnormalities.
- existing illnesses, injuries or physical abnormalities which lead to other health issues or injuries.
- illnesses or injuries which are medically linked to existing illnesses, injuries or physical abnormalities.
Standard, Extra and Premier
Cruciate* problems which you or your vet were aware of in the first 14 days of your policy first starting however caused, or any arthritis, illness or injury that develops from them.
Parvovirus, hepatitis, distemper, leptospirosis in dogs or feline leukaemia, cat flu or infectious enteritis in cats if you have not had your pet vaccinated against them and kept the vaccinations up to date.
Illnesses which you or your vet were aware of in the first 14 days of your policy first starting, or any illness that develops from them are not covered. By illness we mean, both diagnosed illness and signs or symptoms of illness (undiagnosed illness). These include:
- signs or symptoms of diagnosed or undiagnosed injuries or illnesses.
- existing illnesses or injuries.
- existing physical abnormalities.
- existing illnesses, injuries or physical abnormalities which lead to other health issues or injuries.
- illnesses or injuries which are medically linked to existing illnesses, injuries or physical abnormalities.
We consider the following to also be pre-existing conditions:
- treatment of cruciate ligaments* in the second leg if one leg has shown signs, been diagnosed or been treated for cruciate ligaments before you took out the policy.
- treatment of spinal disc† problems if any disc has shown signs, been diagnosed or been treated for spinal disc problems before you took out the policy.
* The cruciate ligaments are deep within the knee joint. There are two in each knee and they help keep the joint stable and make sure it only moves in a certain way.
† Discs are located between the bones of the spine. They are found along the entire length of the spine.