Ranked
Read customer reviews for Tesco Pet Insurance who offer a Lifetime, Maximum Benefit and Time Limited policies. Cover is available for cats and dogs, kittens and puppies from 8 weeks old and variable excess amounts apply.
You can opt for one of four amounts of vet fee cover with their Lifetime Cover policy, which can cover your pet for accidents and new conditions or illnesses as long as you have switched to Tesco Pet Insurance from another insurer and had continuous cover for your pet for at least 14 days with your previous insurer before your Tesco policy start date.
There are two levels of vet fee cover with their Maximum Benefit policy which covers each illness, accident or condition up to the limit selected. Tesco's Time Limited Cover policy covers illnesses, conditions or accidents for a maximum of 12 months or until the vet fee cover limit is reached, whichever happens first.
All customers who have a Clubcard will get Clubcard prices; just quote your Clubcard number when you get a quote. There a discounts for insuring more than one pet, and all customers get access to 24/7 phone and video call support from registered vets and vet nurses on the vetfone Helpline.
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 Pinnacle Insurance ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (register number 110866).
vetfone (TM) is provided by vetsdirect Ltd.
All of Tesco's Pet Insurance policies cover dogs and cats from 8 weeks of age. All policies provide cover for accidents, illnesses and injury. Dental work needed as a result of an accident or illness is also covered as long as your pet has had annual dental checks ups and all recommended work has been done. They offer up to £1000 to help you find your missing pet and up to £1,500 if your pet cannot be found, up to £200 for arranging a cremation or burial and refunds of up to £1,500 for death from an accident or illness (except for dogs over 5 or 8 depending on the breed, and cats over 10 who die from an illness). All policies have an excess amount applied to any claim. All Tesco Pet Insurance customers have access to vetfone 24 hours a day, 7 days a week which allows you to get help and advice from registered vets and vet nurses whenever you are concerned about your pet.
Pre-existing conditions are not covered, and certain breeds of dog are not covered.
You can choose from the following three types of cover and choose the level of vet fee cover that suits you best.
Lifetime Cover
Choose between on-going cover for vet fees of £3,000, £5,000, £7,500 or £11,000 per year. Your chosen level of cover will be re-instated each year if the policy is renewed without a break in cover and all your premiums are paid. This means that if your pet develops an on-going illness or a recurring illness your Tesco Lifetime Cover policy offers cover and doesn't put a time limit on how long treatment can last.
Maximum Benefit Cover
Choose between maximum vet fee payout limits of £5,000 or £7,500 per year, per condition, illness or accident. Your pet will be covered for each new illness, accident or condition up to the maximum level of vet fee cover you select. Once the limit is reached for that condition it will no longer be covered.
Time Limited Cover
Choose between a vet fee pay out limit of either £3,000 or £5,000 for each new illness, accident or condition up to 12 months from the first date of treatment. Once either the vet fee limit or 12 months is reached cover will cease for that particular condition, illness or accident.
Additional Benefits for all policy types
All Tesco Pet Insurance customers can use the vetfone 24/7 service to speak to qualified vets or vet nurses if you are worried about your pet and need some advice.
Clubcard holders can get a Clubcard discount. If you insure more than one pet with Tesco you can get a discount on each pet you add to your policy.
You can spread the cost of your insurance by paying monthly by Direct Debit at no extra cost to you.
An excess will apply to your policy which will be detailed in your policy document. There will be a compulsory Excess amount and an additional variable amount you can opt to add on. Once your dog reaches 5 or 8 years old (depending on their breed) or your cat reaches 10 years of age, an Over-age Excess will apply which will be equal to 20% of each claim you make.
Dogs and cats can be insured from 8 weeks of age. Any pre-existing conditions or illnesses are not covered.
All policies have a waiting period of 14 days before you can claim for illnesses and 3 days for accidents.
Pre-existing conditions and illnesses are not covered and some breeds of dog are not covered.
Can Tesco pay my vet direct?
Yes Tesco can pay your vet direct if your vet accepts direct payments.
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 21th January 2025.
Read customer reviews for Tesco Pet Insurance who offer a choice of pet insurance cover from Lifetime Cover, Maximum Benefit Cover and Time Limited pet cover for cats, dogs, kittens and puppies at least 8 weeks old.
vetfone™ is provided by Vetsdirect Ltd. Tesco Pet Insurance is arranged, administered and underwritten by Pinnacle Insurance Ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (register number 110866). Tesco Personal Finance Ltd acts as an introducer to Pinnacle Insurance Ltd. Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH. Tesco Personal Finance Ltd and Pinnacle Insurance Ltd are not part of the same corporate group.