Our Dog Insurance

Woman with her pet dog

We know your dog is an important member of your family. You can give them the protection they deserve with dog insurance from our range of cover options. Here's some details to get you started:

  • Choose from: Premier, Extra, Standard or Accident and Injury cover for adult dogs or puppies from eight weeks old.
  • If your dog goes missing or is stolen, we'll pay up to £1,000 for advertising (including up to £200 for a reward) as part of our Premier, Extra and Standard cover. Find out more
  • Our Premier cover for dogs means you have cover for a one off or ongoing condition, with the vet fees limit reinstated each year on renewal as long as you renew your policy with us and there is no break in cover. With a Defaqto 5 Star Rating it provides one of the highest quality offerings in the market.
  • Like to take your dog on holidays with you? Our Premier, Extra and Standard cover levels include Pet Travel Cover. Find out more
  • You'll have 24 hour access to vetfone™, a helpline if your pet becomes unwell or you need advice on any pet related questions or concerns.
  • As part of your policy, you'll also get regular news and content to help you look after your pet.
  • Tesco Bank Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance plc. vetfone™ is provided by Vetsdirect Ltd.

As dogs 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. It’s important you budget for renewal prices to increase as your pet gets older. 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.

If while insured with Tesco Bank Pet Insurance, your pet starts to develop an ongoing illness, like diabetes or arthritis, or a reoccurring illness like an ear infection you may find it difficult to get those things covered elsewhere and it can be harder to insure older pets. But rest assured, as long as you renew your policy and there is no break in cover you’ll be covered up to the vet fees limit you’ve chosen.

Please note in exceptional circumstances we may choose not to offer renewal. But don’t worry, if that’s the case we will let you know in advance of your renewal date.

Why choose our Dog Insurance?

  • Our Premier cover level is 5 Star Defaqto Rated
  • Get 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
  • Tesco Clubcard members can enjoy a guaranteed discount
Defaqto 5 Star rated

We're Defaqto 5 star rated

Defaqto 5 Star rated

Defaqto is an independent researcher of financial products, focused on providing intelligence to support better decision making. Tesco Bank Pet Insurance Premier Cover has a Defaqto 5 Star Rating which means it has a comprehensive level of features and benefits.

Lifetime Dog Insurance for your best friend

Our lifetime Premier Pet cover offers you vet cover limits up to £10,000 (if you pay your premium and renew) giving your dog the level of care they deserve. Please note in exceptional circumstances we may choose not to offer renewal. Don't panic if that's the case, as we'll inform you in advance of your renewal date.

Compare cover levels for your dog

We understand that you want want to give your dog the very best of protection. We have a range of cover levels, each with different costs and features to help you find the best pet insurance for your budget and needs. Get started below.

Important information

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.

Lost Pet 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.

Policy booklets

Check that Tesco Bank Pet Insurance is right for you

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.

How we use your data

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 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.

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