Choose from either; £30 M&S vouchers, a Pet Portrait or a Pet Hamper.*
Offer ends 14 July 2022.
The offer is not available on essential policies. Excludes renewals and amendments to existing policies. Full offer and voucher terms apply.
£30 M&S vouchers to spend in store. Exclusions and limitations apply.
A £49 voucher to spend on a pet portrait from www.ohsoportraits.co.uk. Terms and conditions apply.
A dog hamper includes: Nylon chew bone, mountain rope trigger lead, 3 pack of mega balls,
Beco poop pod and a gecko dog toy.
A cat hamper includes: Hem & Boo cat comfort mat,
Beco feeding bowl and spork, Kitty & Co reflective neon snap free collar and teaser stick.
* Customers who obtain a quote for a new M&S Premier or Standard Pet Insurance policy between 4 May 2022 and 14 July 2022, and purchase that policy within the quote validity period, will qualify for the choice of one of three gifts ("the Offer"), subject to these terms and conditions. The gift choices are: a £30 M&S vouchers to spend in store; a bespoke pet hamper; or a £49 voucher to spend on a pet portrait from the "Collections" range at www.ohsoportraits.co.uk (the "Gifts"). The offer is not available on Essential policies. Excludes renewals and amendments to existing policies. Full terms and conditions apply.
15% discount when you take out a new policy online. Excludes renewals and amendments to existing policies†
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.
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.
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.
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.
| 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 |
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M&S Pet Insurance is underwritten by Royal & Sun Alliance Insurance Ltd.
M&S Pet Insurance policy booklet(PDF document)(opens in a new window)
M&S Pet Insurance claim form(PDF document)(opens in a new window)
M&S Pet Insurance Privacy Notice(PDF document)(opens in a new window)
M&S Pet Insurance Important information(PDF document)(opens in a new window)
M&S Pet Insurance Premier product information document(PDF document)(opens in a new window)
M&S Pet Insurance Standard product information document(PDF document)(opens in a new window)
M&S Pet Insurance Essential product information document(PDF document)(opens in a new window)
M&S Pet Insurance – Covid-19(PDF document)(opens in a new window)
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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.
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.
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.
