Pet Insurance lifetime cover

Our dogs and cats aren’t just pets, they’re part of the family. When they get ill, it can be really scary, and the last thing we want is to worry about a sky-high vet bill. Our Premier lifetime cover covers vet fees of up to £10,000.

  • 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.
  • Need advice immediately? Our Premier lifetime cover for dogs and cats gives you 24-hour access to the pet helpline, vetfone™. Call any time to get trusted advice from RCVS qualified vet nurses, you can even have a free telephone or video call with vetfone™ provided by Vetsdirect Ltd.
  • Insure your cat or dog from 8 weeks old and cover vet fees of up to £2,000, £4,000, £7,500 or £10,000, depending on the limit you choose. Your limit will be renewed each year, as long as you renew your policy and there’s no break in cover. We may choose not to renew a policy, if we do, we will let you know in advance of your renewal date.
  • Our Premier lifetime cover for dogs and cats covers accidents and injuries, as well as ongoing conditions, meaning your pet could be covered year after year if they are diagnosed with a chronic disease. We’ll even cover your furry friend for complementary therapies like hydrotherapy.
  • If your cat or dog goes missing with our cover you could get up to £1,000 towards the cost of advertising to find your pet.
  • Our Premier lifetime cover for dogs and cats also covers dental treatment – this includes any dental treatment as long as annual checks and recommended treatments are carried out.
  • We know how expensive it can be to pay for a dog or cat sitter. That’s why if you fall ill and have to go into hospital for four or more days in a row, we’ll help you cover these fees.
  • Our Premier lifetime cover for dogs and cats is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd.

With our Premier lifetime cover, your dog or cat must be at least 8 weeks old when cover starts, and any pre-existing injuries and illnesses are not covered. Changes in your pet’s health, or behaviour or any illness that develops from these changes within the first 14 days of your cover start date are not covered. Certain breeds of cat and dog are also not covered. Monetary limits, excesses and exclusions apply, see the policy documents for full details.

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.

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. 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.

      Dog and cat on a couch

      Why choose our lifetime cover?

      • Star
        Our Premier cover level is 5 Star Defaqto Rated
      • telephone
        Unlimited access to experts 24/7 via free telephone or video call with vetfone™ provided by Vetsdirect Ltd.
      • padlock
        Fixed excess payments so you’ll know exactly what you have to pay if you make a claim
      • clubcard
        Guaranteed discount for Clubcard members

      Defaqto 5 Star rated Premier Cover

      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.

          Defaqto logo 2021

          Lifetime cover for your best friend

          Our Premier lifetime cover offers you vet fees cover limits up to £10,000 (if you pay your premium and renew) giving your pet the level of care they deserve.

          Compare cover levels for your pet

          We understand that you want to give your pet 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) provides advice on returning your pet dog or cat to the UK. See more

          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 could cover you for repeating a worming treatment or emergency vet fees abroad. We could 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 could cover your advertising costs up to £1,000, including a reward of up to £200. If the worst happens and your pet 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.

                  Renewable 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.​

                      Exclusions

                      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.

                        Standard, Extra and Premier Pet Insurance

                        Pets must be at least eight weeks old when cover starts any pre-existing injuries and illness are not covered. Illnesses which you or your vet were aware of within the first 14 days of your policy first starting, or any illness that develops from them are not covered. 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 are not covered.

                          Accident and Injury​

                          Please note: Pets must be at least eight weeks old when cover starts. Illnesses are not covered unless as a result of an injury that is covered under this policy. No cover for cruciate ligament problems however caused. Any pre-existing injuries are not covered. Exclusion period of 5 days applies. Certain breeds of cat and dog are also not covered. Limits, excesses and exclusions apply.