Pet Insurance

Get pet insurance quotes, learn more about our range of cover levels and discover our best pet insurance for your dog or cat.

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    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.

        image of a dog getting dried

        Information for our Pet Insurance customers during COVID-19

        Read our information on getting a quote or making a claim.


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

            Before you get your Pet Insurance quote

            Please read carefully through the important information below before you progress.

            Data may be obtained from and shared with the wider Tesco Group, credit reference agencies and fraud prevention agencies on an ongoing basis. Information on how we collect and use your personal data (including profiling and automated decisions) and your rights under the data protection laws are available to read in our privacy notice. Find out more

              Why choose Tesco Bank Pet Insurance?

              • Get a guaranteed discount if you’re a Clubcard member. All you need to do is tell us your Clubcard number when you get a quote.
              • Four levels of cover to choose from - Accident and injury, Standard, Extra and Premier
              • Our Premier Cover is 5 Star rated by Defaqto. Defaqto is an independent researcher of financial products who provide intelligence to support better decision making
              • We understand that your pets are family. You can speak to an expert any time, day or night. On the phone or by video to vetfone™, provided by Vetsdirect Ltd.
              • We can pay claims direct to your vet, if they’re happy to receive direct payments.
              • Fixed excess payments let you know exactly how much you'll have to pay if you make a claim​. More on excesses.
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                Compare our levels of cover

                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

                          Choice of excess

                            From £60

                            for each accident or injury

                              From £60

                              for each illness or accident

                                From £60

                                for each illness or accident

                                  From £60

                                  for each illness or accident per policy year

                                    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

                                                  Yes

                                                  as the result of an accident

                                                      Yes

                                                      as the result of an accident

                                                          Yes

                                                          as the result of an accident

                                                              Yes

                                                              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

                                                                              Yes
                                                                                Yes
                                                                                  Yes
                                                                                    Yes

                                                                                    Additional cover for illness

                                                                                      N/A

                                                                                          Yes
                                                                                            Yes
                                                                                              Yes

                                                                                              24hr access to the vetfone™ helpline - unlimited free telephone and video calls. 0800 197 4949

                                                                                                  Yes
                                                                                                    Yes
                                                                                                      Yes
                                                                                                        Yes

                                                                                                        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.

                                                                                                                                                    Yes
                                                                                                                                                      Yes
                                                                                                                                                        Yes
                                                                                                                                                          Yes

                                                                                                                                                          Multi-pet discount

                                                                                                                                                          Insure multiple pets and get a discount on each additional premium for each additional pet you add to your policy when you buy Standard, Extra or 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 when you get a quote.

                                                                                                                                                              Claim online

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

                                                                                                                                                              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.

                                                                                                                                                                      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-8pm and Saturdays 9-5pm.

                                                                                                                                                                        Important information

                                                                                                                                                                        Key information and policy booklets

                                                                                                                                                                        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

                                                                                                                                                                            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.

                                                                                                                                                                            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.

                                                                                                                                                                              Excesses

                                                                                                                                                                              All claims are subject to an excess​

                                                                                                                                                                              You'll always know what you'll need to pay for a claim with our fixed excess payments.​

                                                                                                                                                                              You can choose an excess of £60, £120 or £200. A higher excess will lower the premium when you get a quote. The excess for Accident & Injury, Standard and Extra cover for vet fee claims is payable only once per illness or injury. The excess for Premier cover for vet fee claims is for each illness or accident per policy year. For dog insurance third-party liability claims on property damage, you’ll be required to pay the first £250 of any claim.​

                                                                                                                                                                                How we use your data

                                                                                                                                                                                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.​

                                                                                                                                                                                    Eligibility and Exclusions

                                                                                                                                                                                    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.