Features and benefits
Premier, standard or essential cover options
Choose from three different levels of cover - premier and standard cover (our long term policies) or essential cover (12 month limited or vet fee limited per condition policy).
Medical advice - just a phone call away
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.
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.
Our insurance gives you access to a range of services from information about local pet care providers to bereavement support.
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.Footnote 1**
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.
Your price will increase at renewal, because as your pet gets older they are more likely to get ill. A claim being paid can also cause your renewal price to increase significantly. Your excess will increase when your pet turns 9.
Take a look at the below table to compare the three levels of cover.
|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:Footnote 2††||£1,000||£500||£500|
|Treatment food up to:Footnote 2††||£200||Not covered||Not covered|
|Behavioural disorder up to:Footnote 2††||£250||Not covered||Not covered|
|Dental treatment:Footnote 2††||Injury and illness||Injury and illness||Injury only|
|Travel expenses (no excess applies) up to:Footnote 2††||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|
*Customers who obtain a quote for a new M&S Pet Insurance Premier or Standard policy between 7 January and 29 April 2020 and purchase the policy within the quote validity period via the M&S Bank website or telephone, will receive a £50 M&S voucher to spend in store. This offer is not available to customers amending or renewing their existing M&S Pet Insurance policy. M&S vouchers will be sent to the policyholder up to 60 days after the first payment. M&S vouchers will not be sent if you, the insurer, M&S Bank or our insurance partner cancel or terminate your policy. M&S vouchers are available to new customers who purchase their policy via the M&S Bank website or telephone, and are not available to customers buying from a price comparison, affiliate or cash back website. M&S vouchers are limited to one per policy and must be used by the voucher expiry date. M&S vouchers are subject to Marks and Spencer plc terms and conditions of use. Vouchers can only be used in store and replacements will not be issued for lost or damaged vouchers. M&S vouchers are available to UK customers only, they are not available to customers from the Isle of Man and Channel Islands. No cash or gift card alternative available. We reserve the right to withdraw or replace this offer with suitable alternatives at any time and without notice. The promoter of this offer is Marks & Spencer Financial Services plc, Kings Meadow, Chester CH99 9FB. This offer is being administered and managed on behalf of M&S Bank (which is a trading name of Marks and Spencer Financial Service plc) for M&S Pet Insurance by The Marketing Lounge Partnership, The Cow Shed, Walnut Tree Farm, Lower Stretton, Cheshire, WA4 4PG.
Footnote 1†Excludes renewals and amendments to existing policies. Your price will increase at renewal, because as your pet gets older they are more likely to get ill. A claim being paid can also cause your renewal price to increase significantly. Your excess will increase when your pet turns 9.
Footnote 1** 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.