M&S Pet Insurance

Protect your dog or cat from aged 8 weeks and save 15% when you take out a new policy online

Excludes renewals and amendments to existing policies

What else do you get?

15% online discount

15% discount when you take out a new policy online. Excludes renewals and amendments to existing policies

Pay by monthly instalments - at no extra cost

You can spread the cost of your pet insurance over 12 months by paying by Direct Debit – and we won't charge you more to do this.

Access to vetfone™ - a freephone 24 hour helpline

All our pet insurance policies include access to vetfone™ – a freephone 24 hour pet helpline, manned by qualified veterinary nurses who can give you guidance on the condition of any pet you're responsible for, not just your own.

Additional benefits

  • Protect your dog or cat from aged 8 weeks.
  • Access to vetfone™ - a freephone 24 hour helpline: All our pet insurance policies include access to vetfone™ – a freephone 24 hour pet helpline, manned by qualified veterinary nurses who can give you guidance on the condition of any pet you're responsible for, not just your own.
  • Extra support: Our insurance gives you access to a range of services from information about local pet care providers to bereavement support.

Claims and renewals

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 and your excess will increase when your pet turns nine. Unfortunately, once a pet has been taken ill, in general 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. 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.

Compare premier, standard or essential cover

Choose the level of cover that suits your needs:

We like to offer our customers choice, which is why we offer three levels of cover.**

Our premier cover provides you with lifetime cover, allowing you to claim up to £7,000 in vet fees each year. We reinstate this limit annually, as long as you renew each year without a break in cover.

Standard cover offers up to £4,000 towards vet fees each year with a limit of £1,000 for each separate illness or injury each year. Like our premier policy, our standard cover is also reinstated annually, as long as you renew each year without a break in cover.

Essential cover offers you valuable protection for illnesses or injuries for a shorter period of time. It allows you to claim, for each new condition, up to a £3,000 limit in vet fees or for a maximum claim period of 12 months from the first date of vet treatment. Once you reach either, whichever comes first, you will no longer be able to claim for the same condition in the future, even if you renew your policy.

New developments in diagnosis and treatment mean that vets can now give your pet even better care. This is great news for your family pet, but has meant a rise in vet fees and the cost of claims.

Our premier or standard insurance policies offer lifetime covers, as long as you renew your policy with us and there’s no break in cover, we’ll reinstate your vet fees limit each year. So, if your pet begins to develop an ongoing condition, while insured with us, you can continue to claim for the condition each year. You may find it difficult to get this condition covered on a new policy once it is discovered as it would be classified as a pre-existing condition if you didn’t have a lifetime cover policy.

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, if a claim is paid, the price you will pay next year can double. It’s important you budget for renewal prices to increase as your pet gets older, there is no limit to how much your renewal price can increase over time.

Take a look at the below table to compare the three levels of cover.

Benefits Premier Standard Essential
Veterinary fees and treatment period up to: £7,000 in total in each period of insurance (12 months). No separate limit on each illness or injury £4,000 in total in each period of insurance (12 months). £1,000 maximum each illness or injury in each period of insurance £3,000 each illness or injury or a maximum claim period of 12 months (whichever is reached first). Claim period starts from the first date of vet treatment
Complementary treatment including hydrotherapy up to:†† £1,000 £500 £500
Treatment food up to:†† £200 Not covered Not covered
Behavioural disorder up to:†† £250 Not covered Not covered
Dental treatment:†† Injury and illness Injury and illness Injury only
Travel expenses (no excess applies) up to:†† 30p a mile Not covered Not covered
Third party liability (dogs only) up to: £2,000,000 £1,000,000 £1,000,000
Death from injury up to: £1,500 £600 £600
Death from illness (less than age 9 only) up to: £1,500 £600 £600
Putting your pet to sleep and cremation or burial (no excess applies) up to: £200 £100 £100
Advertising for missing pet up to: £1,250 £600 £600
Reward for missing pet up to: £750 £600 £600
Stolen or missing pet up to: £1,500 £600 £600
Emergency boarding or daily minding up to: £70 per week, £750 in total £60 per week, £600 in total Not covered
Pets abroad cover includes the following number of trips, of up to 60 days each: 3 0 0
Pets abroad cover: £2,000 Not covered Not covered
Holiday cancellation/cutting your trip short: £3,000 Not covered Not covered

Instant help

Ask our Virtual Assistant

Ready to get a quote?

We need you to read this important information first

Before you start your quote

What you'll be asked for

  • Your pet's name, date of birth and breed
  • Your email address, home address and postcode
  • Your card details if you decide to buy. You can pay using an M&S Credit Card, Visa, Visa Debit or Mastercard

Applying for cover

We'll give you quotes for our premier, standard and essential cover options. And you can apply straightaway.

Who underwrites M&S Pet Insurance?

M&S Pet Insurance is underwritten by Royal & Sun Alliance Insurance Ltd.

Important documents

October 2021 to January 2022 offer T&Cs

Pet Hamper T&Cs

February to April 2022 offer T&Cs

M&S voucher offer T&Cs

May to July 2022 offer T&Cs

M&S voucher offer T&Cs

July to October 2022 offer T&Cs

M&S voucher offer T&Cs

By clicking 'Start your quote' you confirm that you have been given access to and read the full policy wording in the Policy Booklet. Please take care to answer all of the questions honestly and ensure that your answers are accurate and complete. If you don't, it may mean that we are not able to deal with your claim or your policy may be cancelled.

FAQs

How do I make a claim?

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

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

If you choose our 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.

Excludes renewals and amendments to existing policies. Your renewal price increases each year and your excess will increase when your pet turns nine, if a claim is paid, the price you will pay next year can double. There is no limit to how much your renewal price can increase. 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 and your excess will increase when your pet turns nine. Unfortunately, once a pet has been taken ill, in general 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. 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.

** Whatever policy you choose you will not be able to claim for any changes in your pet's health or behaviour before a policy is started 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 level of cover at renewal, the maximum amount you can claim may change and you may no longer be covered for existing conditions.

††[1][2][3][4][5] Included in the vet fee limit.