Before you get your Pet Insurance quote

• You can arrange to pay annually for your pet insurance if you want to, but you must be the holder of the payment card you intend to use.
• Please make sure the information you give us is accurate, as the wrong information could affect your cover. If the information you provide is not accurate, we may reduce or reject your claim, or cancel your policy without a refund.
• If you're insuring more than one pet, please make sure that the information you provide is accurate for each pet.
• If you want to insure more than three pets on one policy, please call us on 0345 072 2112 to get an accurate quote, which includes our multi-pet discount offer. This number may be included as part of any inclusive call minutes provided by your phone operator.
• 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.

Although our policies cover a broad range of scenarios, we can't cover every eventuality, so please see the list below for the things that aren't included:

• 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.

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.

We consider the following to also be a pre-existing condition:

• 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.

• You have never have had an insurance policy declared void or cancelled by an insurer.
• You are the owner and keeper of the pet.
• You are at least 18 years old.
• Your pet lives with you in the United Kingdom, Isle of Man or the Channel Islands.

Your Pet

• Is at least eight weeks old.
• Is not used for breeding (this means used for breeding more than two times in its lifetime)
• Is not used as a business or to make money or earn an income.

And if you’re insuring a dog​

• Your dog has not had complaints made about its behaviour (aggression, biting, attacking).
• Your dog has not been the cause of an incident or legal action.
• Your dog is not trained to attack, used for security or as a guard dog.
• Your dog is not a type of dog which should be registered under the Dangerous Dogs Act of 1991 or the Dangerous Dogs (Northern Ireland) Order 1991 or any subsequent amendments.
• Your dog is not a pedigree, cross or mixed breed of any of the following: 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.