Standard cover pet insurance from M&S Bank covers your pet for up to £4,000 in vet fees every year with a limit on each separate injury or illness every year. The policy is reinstated annually, so you’ll need to renew each year to ensure there is no break in cover.
M&S Bank’s Premier cover pet insurance gives you lifetime cover, which allows you to claim up to £7,000 in vet fees each year. You must renew your policy annually to ensure there is no break in cover.
The Essential cover policy provides you with valuable protection for injuries and illnesses for a shorter timeframe. With this policy, you can claim up to £3,000 in vet fees for each new condition for a maximum claim period of 12 months starting from the first vet treatment. Once you reach the maximum fee limit or the maximum timeframe, you will not be able to make a claim for the same condition in the future even if your policy is renewed.
|Veterinary fees and treatment period up to:||£7,000 in total in each period of insurance (12 months). No separate limit on each illness or injury.||£4,000 in total in each period of insurance (12 months). £1,000 maximum each illness or injury in each period of insurance.||£3,000 each illness or injury or a maximum claim period of insurance 12 months (whichever is reached first). Claim period starts from the first date of vet treatment.|
|Complementary treatment including hydrotherapy up to: †||£1,000||£500||£500|
|Treatment food up to: †||£200||Not covered||Not covered|
|Behavioural disorder up to: †||£250||Not covered||Not covered|
|Dental treatment: †||Injury and illness||Injury and illness||Injury only|
|Travel expenses (no excess applies) up to: †||30p a mile||Not covered||Not covered|
|Third party liability (dogs only) up to:||£2,000,000||£1,000,000||£1,000,000|
|Death from injury up to:||£1,500||£600||£600|
|Death from illness (less than age 9 only) up to:||£1,500||£600||£600|
|Putting your pet to sleep and cremation or burial (no excess applies) up to:||£200||£100||£100|
|Advertising for missing pet up to:||£1,250||£600||£600|
|Reward for missing pet up to:||£750||£600||£600|
|Stolen or missing pet up to:||£1,500||£600||£600|
|Emergency boarding or daily minding up to:||£70 per week, £750 in total||£60 per week, £600 in total||Not covered|
|Pets abroad cover includes the following number of trips, of up to 60 days each trip:||3||0||0|
|Pets abroad cover:||£2,000||Not covered||Not covered|
|Holiday cancellation/cutting your trip short:||£3,000||Not covered||Not covered|
† Included in the vet fee limit.
Pet insurance is one of the best ways to protect both the health and well being of your pets and your bank balance should they become ill or suffer an injury. Any pet owner knows that veterinary bills can often run to hundreds and even thousands of pounds and often when least expected. Pet insurance provides peace of mind that your vet bills will be covered for most illnesses and injuries for just one affordable monthly payment.
There are many pet insurance policies on the market, and at Best Money Saver, we aim to give you honest and unbiased feedback on some of the best policies out there. Here’s what we think of Marks and Spencer pet insurance.
M&S Bank pet insurance is underwritten by Royal & Sun Alliance, a company that is a leading name in the insurance industry. M&S is also a brand associated with quality and excellent customer service and this is also reflected in their insurance products.
M&S offers a choice of lifetime and time-limited policies. Whether you have a young cat or elderly dog requiring regular treatment, you should have no trouble finding a policy to suit your needs.
When your pet becomes ill or suffers an injury, it can be a very stressful time. There is not only the worry about your bet, but also the prospect of a high vet’s bill. M&S understand this and have provided a 24/7 freephone advice line for any pet owner that requires more information about their policy, how to make a claim and also medical advice.
Another great benefit of M&S Bank pet insurance is that they will make payment to your vet directly. That means you don’t have to find the money upfront or put the cost on a credit card until your payout comes through. Most vets today are more than happy to work directly with insurance companies, especially those with a good name and reputation like M&S.
Of course, customer reviews are one of the best ways to get the lowdown on insurance providers. The good news is that M&S pet insurance receives high acclaim from many happy pet owners, some of which we’ve included below.
“M&S were brilliant, friendly, helpful and paid the vet direct very efficiently.”
“We would definitely recommend them and if we decide to get another pet then we would have no hesitation in taking out a policy with them.”
“My dog is with M&S and they’ve been great. He had an admission for poisoning that cost about £1k in all and paid out fine.”