Sainsburys Bank Pet Insurance

Ranked

#9
9 of 24 insurers by customers

 

Read over 240 customer reviews for Sainsbury's Bank Pet Insurance who offer flexible pet insurance and claim to pay 98% of claims within 5 days, often direct to your vet.

They offer Lifetime cover, Maximum Benefit cover, Time Limited cover and Multi-pet pet insurance cover options, with four levels of vet fee cover up to £10,000, so there's lots of choice. Customers have 24/7 access to vet nurses to answer your pet health queries, extra discounts for Nectar members and multi-pet policies and you can manage your policy online. Sainsbury's Bank Pet Insurance is underwritten by Pinnacle Insurance plc.

Customers have reported both negative and positive experiences with Sainsbury's Bank Pet Insurance. Some customers praise how easy it is to claim and quick payouts, while others have found it difficult to contact customer services or been disappointed by claim denials. Overall they are given a rating of 1.8 stars out of 5. 

Coverage

Single pet and multi pet Insurance, with a discount, is offered. Time Limited £3,000 cover is offered where each condition and illness will be covered from 12 months since the pet first started showing symptoms. Once the limit is reached for a condition that condition will no longer be covered. Two Maximum Benefit cover levels are offered (£3,000 and £6,000) which provide cover up to the maximum amount per condition. Four Lifetime cover levels are offered (£2,500, £5,000, £7,500 and £10,000) which provide cover up to a maximum amount each year.

Access to 24/7 Vet Nurse helpline available and you can manage your policy online with My Pet Portal.

Cover for the death of your pet, loss or theft cover to help with advertising, emergency boarding fees and holiday cover are all included as standard.

Policies are subject to exclusions and conditions so please always consult the insurer's policy documents before you buy.

Excess

A fixed excess per condition is deducted from the first claim for each separate illness, injury or condition. Under certain conditions you also pay a percentage of the remaining claim amount in addition to the excess.

Age Limits

From 8 weeks to 9 years of age. If insurance is purchased before your pet's 9th birthday there is no upper age to renewals if there are no breaks in cover.

Waiting Period

Accidents and poisonings 3 days, illnesses 14 days. Both limits are waived if you are switching to Sainsbury's Bank PI from another pet insurer. 

Exclusions

Pre-existing conditions, grooming or cosmetic treatments, routine care.

Additional Policy Information
Can they pay your vet direct?

Yes, it is possible to arrange this.

Please note

Policies are subject to exclusions and conditions so please always consult the insurer's policy documents before you buy. 

Pet Insurance Review compiles the latest Policy information and general company information from each insurers website with the information gathered on the date shown. We make every effort to ensure the information is correct but cannot be held responsible for any inaccuracies.  

Company info

Sainsbury's Bank offer flexible pet insurance and claim to pay 97% of claims within 5 days, often direct to your vet. Sainsbury's Bank Pet Insurance is underwritten by Pinnacle Insurance plc and they offer 7 levels of cover: 1 time limited policy, 2 levels of Maximum Benefit cover and 4 levels of Lifetime cover. They offer 24/7 access to vet nurses to help with pet health queries. 

Sainsbury's Bank Pet Insurance Reviews

By:
Adam
Posted: 11/09/2025
1

Took the policy with assurance and incentive of bonus nectar points, failed miserably and when I phoned they denied I was due any. If they can’t be trusted to tell the truth about this then don’t trust them with insuring my dog,

Breed

Labrador Retriever

Species:
Dog

Recommended
by reviewer

5

My spaniel needed perineal tear repairs and castration. He had two separate operations a few weeks apart, he’s also had a gum growth removed. No problems with claims. Same with my Keeshond, who had some weird tummy/digestive problem. Thankfully both dogs...

Breed

Cocker Spaniel

Species:
Dog
By:
Michael Woods
Posted: 01/07/2025
1

Fed up. Offered nectar bonus points as an incentive to take out insurance. Told in email they would be added within 60 days. No points. Complained and nothing but evasion. Now had policy for well over three months. No points. Planning to cancel and go...

Breed

Moggie

Species:
Cat
By:
Karen sinclair
Posted: 04/06/2025

Recommended
by reviewer

5

Raised claim on line so easy to do no complicated forms, Sainsbury’s contacted the vet copying me into emails ,within a week claim was accepted and money paid into my bank, highly recommend

Breed

Shih Tzu

Species:
Dog