A Comprehensive Review of Tesco Bank Pet Insurance

If you’re a pet owner, you know how important it is to ensure your furry friend’s well-being. That’s where pet insurance comes in. In this article, we will delve into the world of Tesco Bank pet insurance, exploring everything from its features to the cost and policy details. So, let’s get started!

What is Tesco Bank Pet Insurance?

Tesco Bank has been offering various financial and insurance products since 1997. Alongside car and home insurance, they also provide pet insurance. Underwritten by Royal & Sun Alliance Insurance plc, Tesco Bank pet insurance offers a range of policies for both cats and dogs.

Tesco Bank Pet Insurance Features

Tesco Bank pet insurance offers four levels of coverage for your furry companions. These include:

  • 4 levels of pet insurance for your cat or dog from 8 weeks of age
  • A 5-star Defaqto rating for its Premier & Extra cover
  • 24/7 access to a vet phoneline via Vetfone
  • Fixed excess amount
  • Clubcard member discount
  • Convenient online claims process
  • Multi-pet discount

Tesco Bank Pet Insurance

What Does Tesco Bank Pet Insurance Cover?

Tesco Bank pet insurance offers four main types of coverage, with vet fee cover of up to £10,000. Let’s dive into each type:

Tesco ‘Premier’ Pet Insurance – Lifetime Policy

Lifetime pet insurance provides coverage for your pet’s illnesses and injuries throughout its life. Tesco Bank offers four annual limit lifetime pet insurance policies under their ‘Premier cover’. The maximum veterinary fee cover ranges up to £10,000 per year, depending on the policy you choose. With Tesco’s lifetime pet cover, you can claim for vet fees up to the annual limit in a policy year.

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Tesco ‘Extra’ Pet Insurance – Maximum Benefit Policy

Maximum benefit pet insurance covers your pet for illnesses and injuries up to a set condition limit. Tesco Bank offers two maximum benefit policies under their ‘Extra’ pet insurance, with veterinary fee cover ranging up to £7,500 per condition.

Tesco ‘Standard’ Pet Insurance – Time-Limited Policy

Time-limited pet insurance covers your pet for illnesses and injuries for a set period or until the vet fee limit is reached. Tesco Bank’s time-limited pet insurance policy, known as the ‘Standard’ policy, allows you to claim up to £3,000 in veterinary fees for each illness or accident for up to 12 months from the first date of treatment.

Tesco ‘Accident and Injury’ Pet Insurance – Accident-Only Policy

Accident-only pet insurance covers your pet for veterinary treatment resulting from accidents. Tesco Bank’s ‘Accident and Injury’ pet insurance policy provides up to £3,000 of cover for veterinary fees due to accidents. However, it does not cover illnesses unless they are a direct result of an accident.

Tesco Bank Pet Insurance Policy Exclusions

It is important to be aware of the policy exclusions when considering pet insurance. Tesco Bank does not provide coverage for the following:

  • The policy excess
  • Pets under 8 weeks old
  • Routine treatments like vaccinations and worming
  • Pre-existing conditions
  • Claims that exceed the policy limits
  • Pregnancy or birth-related expenses
  • Prescription costs
  • Conditions that develop within the first 14 days of the policy
  • Conditions that develop from an illness or injury within the first 14 days of the policy
  • Claims with unpaid premiums or expired policies
  • Conditions caused by negligence or malicious intent
  • Injuries caused by worrying livestock
  • Euthanasia due to a court order
  • Notifiable diseases under the Animal Health Act 1981
  • Dogs registered under the Dangerous Dogs Act 1991
  • Dogs used for guarding, security, or fighting
  • Pets bred commercially or for income
  • Public liability claims if already covered by another insurance policy
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Tesco Bank Pet Insurance Policies

Tesco Bank offers a range of pet insurance policies to meet your specific needs. Here’s a comparison of their policies:

Tesco Bank Pet Insurance Policies

How Much Does Tesco Bank Pet Insurance Cost?

The cost of Tesco Bank pet insurance varies based on factors such as the type, age, and breed of your pet. Additionally, your location plays a role in determining premiums, which may increase over time due to the risk of future claims as your pet ages. For example, Tesco Bank states that pet healthcare costs double every four to five years. Lifetime cover tends to be more expensive as it provides the most extensive coverage. Accident-only policies are generally cheaper as they only cover accidents and not illnesses.

Tesco Bank Pet Insurance Cost Comparison

How to Make a Claim with Tesco Bank Pet Insurance

Tesco Bank has a straightforward online claims process that allows you to track the progress of your claims. To initiate a claim for veterinary fees, download the claims form and have it completed by your vet. Your vet should then email all necessary correspondence to Tesco Bank, who will process the claim accordingly. Direct payment to your vet is possible if they agree to this method.

For ongoing claims or claims that don’t involve veterinary bills, such as boarding or lost and found cover, you can email the claim information and evidence. Third-party liability claims should be made immediately by calling the dedicated number provided by Tesco Bank.

Remember, claims should be submitted within 90 days of the first treatment for a new illness or condition, and all relevant receipts and proof of payment must be provided.

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Tesco Bank Pet Insurance Customer Reviews

Tesco Bank has a Trustpilot score of 4.1 out of 5 stars, based on over 13,700 reviews. While most of these reviews cover other insurance or financial products, some customers have expressed concerns about claims processing, Clubcard points, and high policy renewal costs. On the other hand, positive reviews highlight good customer service, successful claims, and renewal discounts.

Alternatives to Tesco Bank Pet Insurance

If you’re exploring alternatives to Tesco Bank pet insurance, it’s worth considering other providers. More Than pet insurance, for instance, is underwritten by the same company as Tesco Bank and provides similar coverage. It’s always a good idea to compare different providers to find the best deal for your pet’s needs.


In conclusion, Tesco Bank pet insurance offers comprehensive coverage for your beloved pets. While it may not be the most affordable option, it provides valuable features and benefits. If you’re considering Tesco Bank, you might also want to explore More Than pet insurance as an alternative. Remember to carefully review policy details and consider the specific needs of your furry friend before making a decision.

So, ensure the well-being of your furry companions with Tesco Bank pet insurance! Visit Karen’s Kollars for more information on pet insurance and caring for your pets.

If you wish to cancel your Tesco Bank pet insurance policy, you can do so within 14 days of receiving your policy documents. Some additional fees may apply depending on the payment method or you may be eligible for a refund.