Multi Pet Insurance

Have more than one dog or cat? With Tesco Bank’s straightforward multi pet insurance you could insure your cats and dogs under one policy. That means you’ll spend less time organising insurance and more time giving treats and tummy rubs. You may even be able to save money compared to taking out separate policies for each pet.

Read on to find out more about the benefits of our pet insurance for multiple pets.

  • Clubcard members get a £25 Tesco e-Gift Card for buying a new Premier Pet Insurance policy. Not available if you get a quote or buy from cashback websites. Offer ends 28 February 2022. T&Cs apply
  • 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.
  • A single policy to cover multiple dogs and cats.
  • 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.
  • Choose from: Premier, Extra, Standard or Accident and Injury cover for cats and dogs from eight weeks old.
  • You'll have unlimited 24/7 access to free telephone and video calls with vetfone™ provided by Vetsdirect Ltd, if your pet becomes unwell or you need advice on any pet related questions or concerns.

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

    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.

      It's also important to know that renewal prices 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.

      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’ll let you know in advance of your renewal date.

        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

            Ginger cat and golden retriever dog relaxing on red chair.

            Why choose our Multi Pet Insurance?

            • Star
              Our Premier Cover has a Defaqto 5 Star rating, for policies with £4,000 or more vet fees
            • telephone
              Unlimited access to experts 24/7 via free telephone or video call with vetfone™ provided by Vetsdirect Ltd. 0800 197 4949
            • 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

            Lifetime cover for your best friends

            Our Premier lifetime cover offers you vet cover limits up to £10,000 per year (if you pay your premium and renew without a break in cover) giving your dog or cat 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 pets

            We understand that you want to give your pets 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

            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 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.

                          eGift Card terms and conditions

                          One offer per household. If you cancel your policy or do not pay your premium on time within the first 90 days you will not receive the Tesco e-Gift Card.

                          The Tesco e-Gift Card will be sent to the policyholder by email or post 90 to 120 days from the policy purchase date. No duplicates will be sent.