Tesco Pet Insurance

Ranked

#6
6 of 23 insurers by customers

 

Read customer reviews for Tesco Pet Insurance who offer a choice of pet insurance cover from Premier, Extra and Standard pet cover for cats, dogs, kittens and puppies at least 8 weeks old. 

Each policy has fixed excess level options and Tesco Pet Insurance includes as standard, a guaranteed discount for Tesco Clubcard members as well as unlimited access to experts 24/7 via free telephone or video call to VetfoneTM provided by Vetsdirect Ltd. This UK helpline is there if your pet becomes unwell or you need advice on any pet related questions or concerns. 

There is a guaranteed discount for Clubcard members. All you need to do is tell them your clubcard number when prompted.  Quotes are valid for 30 days. 

Some customers have found their customer services team to be helpful but some have had claims refused. It's always important to read the conditions and exclusions on any policy. 

Tesco Pet Insurance is arranged, administered and underwritten by Royal Sun Alliance Insurance Ltd. vetfone (TM) is providied by vetsdirect Ltd. 

Reviews

2.1
  • 398 reviews
  • Excellent
    23%
  • Very Good
    3%
  • Average
    3%
  • Poor
    10%
  • Terrible
    62%
Coverage

Premier
Tesco Pet Insurance – Premier cover offers long term peace of mind for your cat or dog. Each year Tesco will reinstate your chosen vet fees limit of £2,000, £4,000, £7,500 or £10,000 providing cover is made available to you and you renew. This means that if your pet develops an ongoing illness or a reoccurring illness whilst insured with Tesco Pet Insurance, they won’t put a time limit on how long treatment can last. This applies as long as your policy is renewed, there is no break in cover and your premiums are paid.

Extra
Tesco Pet Insurance - Extra cover is for those who want a little more from their insurance, so you can rest assured they have the extra protection they deserve. Extra cover includes vet fees of up to £4,000 or £7,500 for each eligible illness or injury, until your vet fee limit is reached. This applies as long as your policy is renewed, there is no break in cover and your premiums are paid.

Standard
Tesco Pet Insurance - Standard cover helps provide you with peace of mind should your cat or dog need veterinary treatment for accidents and illnesses. Standard cover provides up to £3,000 for vet fees for each eligible illness or accident for up to 12 months from the first date of treatment. This applies as long as your policy is renewed, there is no break in cover and your premiums are paid.

Additional benefits of Tesco Pet Insurance offered on all Standard, Extra and Premier Cover policies: 

Lost pet cover offering up to £1,000 to advertise for your pet (including up to £200 which can be used for a reward).

There is a discount available for each additional pet added to your policy, and 'saying goodbye' cover of £200 for putting your pet to sleep or for burials. 

They offer up to £1,000 towards boarding fees or care for your pets if you have unplanned visits to hospital of more than 4 days. They also offer pet travel cover up to your vet fees limit.

Complementary treatments such as hydrotherapy or physiotherapy are included within your vet fee limit, up to £500 on Standard policies and £1,000 on Extra and Premier policies.

Tesco Pet Insurance may choose not to renew a policy. If they do, they will let you know in advance of your renewal date.

Your renewal price increases each year and 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.

Excess

Choose an excess of £60, £120 or £200. Excess levels can increase as your pet turns 8 years old. 

For Standard and Extra cover, the excess for vet fee claims is payable only once per illness or injury. For Premier cover, the excess for vet fee claims is payable for each illness or accident each year.

For dog insurance third-party liability claims on property damage, £250 excess. If you choose a referral vet from outside the Tesco Bank Pet Insurance network, £200 of the referral vet bill will be paid in addition to the excess.

Age Limits

Pets must be at least 8 weeks old when cover starts, any pre-existing injuries and illness are not covered. Changes in your pet’s health, or behaviour or any illness that develops from these changes within the first 14 days of your cover start date are not covered. Certain breeds of cat and dog are also not covered.

Waiting Period

Exclusion Period – 14 days (Standard, Extra and Premier cover).

Additional Policy Information
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. 

Information last checked and updated on 25th November 2024.  

Company info

Read customer reviews for Tesco Pet Insurance who offer a choice of pet insurance cover from Premier, Extra and Standard pet cover for cats, dogs, kittens and puppies at least 8 weeks old.

Each policy has variable excess level options and Tesco Pet Insurance offers as standard a guaranteed discount for Tesco Clubcard members as well as unlimited access to experts 24/7 via free telephone or video calls to vetfone™, provided by Vetsdirect Ltd, a UK helpline if your pet becomes unwell or you need advice on any pet related questions or concerns.

Tesco Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd. vetfone™ is provided by Vetsdirect Ltd.

Tesco Pet Insurance Reviews

By:
Sheila Kundasamy
Posted: 22/11/2024

Recommended
by reviewer

5

My cat had to be sedated as he had a thorn stuck deep in his paw. The initial phone consultation put my mind at rest as I I had never seen my cat so distressed. Tesco’s claim process was very clear and easy to complete online, the money was paid into my...

Breed

Domestic Shorthair

Species:
Cat
By:
David Sansom
Posted: 18/10/2024
1

My Labrador Retriever has been insured with Tesco pet insurance, all of her life, she is now 4 years old, I have never made a claim, my recent renewal quote has gone up by over £200, for the year!, on thre comparison sites, I can get the exact same policy...

Breed

Labrador Retriever

Species:
Dog
By:
Tom Jolly
Posted: 11/10/2024

Recommended
by reviewer

5

We’ve only been with Tesco Pet Insurance since April, unfortunately we had to have our much loved pet put to sleep recently due to a short illness .
Tesco paid all the vet fees straight away direct to them which took all the stress of us .
When I...

Breed

West Highland White Terrier

Species:
Dog