Pet insurance

Enjoy up to £50 of M&S vouchers to spend in store (for each pet that you insure) when you take out a new Standard, Plus or Premier policy.See footnote †

Get a pet insurance quote today

The offer is not available on Essential policies. Excludes renewals and amendments to existing policies. Full offer and voucher terms apply.

Pet insurance benefits

  • 15% online discount ††
  • Pay by monthly instalments - at no extra cost
  • 10% multi-pet discount for each cat or dog you choose to insure*
  • Protect your dog or cat from aged 8 weeks
  • Access to vetfone™ on 0800 980 5583 - a freephone 24 hour helpline
  • M&S Pet Insurance gives you access to a range of services from information about local pet care providers to bereavement support
  • Dental cover for accidents, injury and illness included on Standard, Plus and Premier policies. Please view T&Cs to see what we do not cover.

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M&S Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd (RSA).

*Discount applied to each pet when insuring two or more pets on the same policy. You can insure up to 3 pets online on a new policy and you can call RSA on 0800 731 4280 if you’re looking to add more pets to your quote or existing policy.

Get in touch through live chat

Use the quick & easy live chat and get in touch to ask a question about your policy, quote or renewal. RSA are open Monday to Friday 8am-6pm and Saturday 9am-5pm (excluding bank holidays).

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Which policy is right for you?

M&S Pet Insurance provides customers with a choice of four levels of cover.See footnote **

M&S Pet Insurance offers time limited and lifetime cover.

Time limited cover

Essential policies, gives cover for accidents and illnesses (that happen after the policy start dateSee footnote ***) up to the vet fees limit or for up to 12 months of vet treatment, whichever is reached first. The 12 month time limit begins on the date of first vet treatment. If you make a claim and have any remaining cover benefits you wish to use in the next policy year, you must renew your policy and there must be no break in cover. Once you reach the vet fees limit or your pet has had 12 months of vet treatment (whichever comes first), you will no longer be able to claim for that particular accident or illness again even if you renew your policy.

Lifetime cover

Lifetime policies, that includes Premier, Plus and Standard cover, give cover for accidents and illnesses (that happen after the policy start dateSee footnote ***) up to the chosen vet fees limit each year. Once the vet fees limit has been reached you will not be able to claim again until the policy is renewed and the vet fees limit is reset. If the policy is renewed with no break in cover, the chosen vet fees limit is reinstated to use again so you’ll be able to continue to claim for accidents and illnesses that require ongoing vet treatment as well as those that need one off or shorter treatments.

What's not covered?

M&S Pet Insurance can’t cover everything, some of the things M&S Pet Insurance doesn't cover include:

  • Any pre-existing conditions you or your vet were aware of before the policy start date.
  • Any illnesses which you or your vet were aware of in the first 14 days of your policy start date.
  • The cost of vet treatment for an illness your pet must be vaccinated against

Read the policy wording for full details of what is and isn’t covered with M&S Pet Insurance.

Common pet insurance claims

Still wondering whether pet insurance is worth shelling out for? Take a look at the most common claims and the average costs.

Claiming on and renewing your policy

If you already hold an M&S Pet Insurance policy and need to make a claim or renew, visit the manage your policy page for support.

Manage your policy


Claims data

‘97% of claims are paid within 5 days’

Based on RSA claims data from 1 January 2023 to 31 December 2023.

‘98% of claims settled within one week of registration’

Based on RSA claims data from 1 January 2023 to 31 December 2023.

‘Over 90% of claims made by M&S Pet Insurance customers were paid out last year’

Based on RSA claims data from 1 January 2023 to 31 December 2023.

Get a quote

M&S Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd (RSA).

Learn more

Should I get pet insurance?

Here’s everything you need to know about pet insurance plans.

What vaccinations do dogs need?

Vaccinations can help keep your dog healthy. Here’s what you need to know about dog vaccinations.

What vaccines do cats need?

Wondering when your new kitten needs to be vaccinated? Learn more about cat vaccinations.

How to keep your pets warm in winter

Discover some easy ways to save money and keep your pets warm as the temperature drops.

Household hazards

Learn about pet proofing your home and items toxic to dogs.

Taking your dog abroad

Make sure you have everything you need to take your dog on holiday with you.

Stress in dogs

What are the signs of stress in dogs? Learn about triggers and coping mechanisms.

Dog separation anxiety

All you need to know on how to stop destructive dog behaviour.

Puppy training

Nurturing your puppy as it becomes an adult, keeping you and your puppy happy.

Common pet health issues

Learn about common pet health issues and how to spot them.

Food poisonous to dogs & pets

Learn which foods can be poisonous to pets to reduce the risk of them coming to harm.

Important pet insurance information

Key information and policy booklets

What is M&S Bank's role and who underwrites M&S Pet Insurance?

We will introduce you to Royal & Sun Alliance Insurance Ltd who arrange, administer, and underwrite M&S Pet Insurance.

Product information booklets

Offer terms and conditions

Previous offer terms and conditions

Jul to Oct 2022 offer T&Cs

May to Jul 2022 offer T&Cs

Feb to Apr 2022 offer T&Cs

Claiming on and renewing your policy

For claims for new conditions, you'll find RSA's editable form on the online servicing page for you and your vet to complete.

Claims online servicing

As pets get older, sadly they're more likely to get ill. In fact, RSA’s 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 and your excess will increase when your pet turns nine.

Unfortunately, once a pet has been taken ill, they're more likely to get ill again. That's why, if a claim is paid, the price you will pay next year can double. How much they go up is different for everyone and depends on things like your pet’s breed, their age and health.

Get a quote

M&S Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd (RSA).

FAQs

How do I make a claim?

If you need to make a claim, you should call RSA as soon as possible on 0800 980 8750. Please have your policy number or claim number when you call.

For claims for new conditions, you'll find RSA's editable form on the online servicing page for you and your vet to complete.

Make a claim

Does M&S Pet Insurance cover my pet when abroad?

If you choose a Premier policy you'll get cover up to £2,000 for vet fee treatment in any EU country that is included in the Pets Travel Scheme. You'll be covered for three trips in any period of insurance and each trip can last up to 60 days.

Access vetfone™ and help decide whether your pet needs to see a vet

All M&S Pet Insurance policies include access to vetfone™ – a freephone 24 hour pet helpline, manned by qualified veterinary nurses. You can call vetfone™ on 0800 980 5583 at any time of day or night for guidance on the condition of any pet in your household. They will provide advice on care and treatment, and help you decide whether it’s necessary to visit a vet.

† Customers who purchase a new Premier policy from RSA, on the M&S Pet Insurance website or over the M&S Pet Insurance telephone lines will qualify for £50 of M&S vouchers to spend in store. Customers purchasing a new Plus policy will receive £30 of M&S vouchers to spend in store and customers purchasing a new Standard policy will receive £20 of M&S vouchers to spend in store. Customers who are renewing or amending policies or purchase a policy through a comparison, affiliate or cashback website are not eligible for the offer. Customers who purchase an Essential policy are not eligible for the offer. Full offer and voucher terms & conditions apply.

†† Excludes renewals and amendments to existing policies. As pets get older, sadly they’re more likely to get ill. In fact, RSA 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 and your excess will increase when your pet turns nine. Unfortunately, once a pet has been taken ill, they’re more likely to get ill again. That’s why, if a claim is paid, the price you will pay next year can double. How much they go up is different for everyone and depends on things like your pet’s breed, their age and health.

** Whatever policy you choose you will not be able to claim for any changes in your pet's health or behaviour before your policy start date or in the first 14 days of cover or for death from illness after your pet's 9th birthday. Please note that if you change your cover level at renewal, the maximum amount you can claim and the treatment period may change.

*** Illnesses that first show signs in the first 14 days of your policy start date are not covered.