Lifetime cover

With lifetime cover you could claim for accidents and illnesses that happen while up to your chosen vet fees limit each year.

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

What is lifetime cover?

With lifetime coverSee footnote * you could claim for accidents and illnesses that happen while insured, up to your chosen vet fees limit each year. If you renew your policy with no break in cover, your chosen vet fees limit each year will reinstate and 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. Once your 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.

With Premier and Plus policies you could choose a total annual vet fees limit of £2,000, £3,000, £5,000, £7,000 or £10,000.

Standard policies gives cover for vet fees of up to £1,000 for each accident or illness each year up to a total annual limit of £4,000.

What is included with M&S Pet Insurance?

  • 15% online discountSee footnote †
  • Pay by monthly instalments - at no extra cost
  • 10% multi-pet discount
  • Protect your dog or cat from aged 8 weeks
  • Access to vetfone™ - 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

Still wondering whether pet insurance is worth shelling out for? Take a look at the most common claims and their costings for cats and dogs.

Important 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

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.

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.

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 if 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 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.