M&S Pet Insurance

12 Months Cover for the Price of 9 when you take out a new standard or premier policy online*
(excludes renewals and amendments to existing policies)
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About M&S Pet Insurance

M&S pet insurance offers a range of benefits to customers looking to buy a new pet insurance policy or renew an existing policy.

  • 12 Months Cover for the Price of 9, when you purchase a new policy online only*
    *Customers who obtain a quote for a new premier or standard M&S Pet Insurance policy, using the M&S Bank website, between 25 July and 6 November 2019, and go on to purchase within the quote validity period, will receive 25% discount (12 months’ insurance for the price of 9 months). The discount will be automatically applied either equally across 12 monthly payments (if paying monthly), or to the annual policy premium. Excludes renewals and amendments to existing policies
  • Protection for your cat and dog from 8 weeks old.
  • Access to vetfone™, a 24/7 freephone helpline.
  • Pay by monthly installments at no extra cost.
  • M&S pet insurance is underwritten by Royal & Sun Alliance plc. Terms and conditions apply.


  • Lifetime policies for older pets
  • Freedom to choose your excess
  • Travel in the EU
  • Cover for euthanasia, cremation and burial
  • Access to 24/7 vetfone™ freephone helpline


  • A relatively short time limit (60 days) in which to submit claims
  • Won’t cover the cost of out-of-hours care unless the vet decides treatment cannot wait until normal business hours.

At Best Money Saver, we believe that no pet insurance product is the best – only you can decide that, based on features, monthly costs and policies tailored to suit your individual needs. However, we can give you free and impartial advice, in-depth reviews and comparisons that will help you to make the right decision for both you and your pet.

Our Unbiased Review of M&S Pet Insurance

M&S Bank Pet Insurance is underwritten by Royal & Sun Alliance. They offer a range of good quality lifetime and time-limited insurance plans for cats and dogs and offer some of the most affordable policies on the market right now. Some of their plans also cover dental injury and all include cover should you need to put your pet to sleep or arrange burial or cremation. Those are things we never want to think about when owning a pet, but having such cover can provide peace of mind when that time eventually and inevitably comes around.

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Policy Cover and Costs

There are two types of pet insurance offered by M&S – time-limited and life policies. We carried out a price comparison and found that M&S pet insurance premiums are often lower than the average cost for UK pet insurance. However, one thing M&S pet insurance customers should note is that you will need to make a claim for any costs within 60 days, otherwise, your claim will be rejected. M&S can also pay your vet directly, so you won’t need to pay upfront, put your vet’s bills on your credit card, or even worse, turn down treatment because you can’t afford it.

Specialist Cover

M&S also provides cover for pets known to have hereditary or genetic conditions. Cover will be valid as long as the policy was purchased 14 days before the illness or condition was first diagnosed.

Discounts and Offers

M&S regularly offer discounts and incentives to new customers and those thinking of renewing their policy. Right now, you can take advantage of 12 Months Cover for the Price of 9 on a new policy bought online only*. It is important to note that this discount will typically not be carried forward to the second year, so be aware that your premiums will rise as a result. Your insurance company will not always tell you that your premiums will increase when your policy automatically renews, so it may be worth contacting them before your policy expires. Always check the small print.

Making a Claim

Third Party Cover

A 24/7 helpline is also available should you need medical advice for your pet, more information about your policy and what it includes or you need to make a claim.

Cover Limits

You can choose cover ranges from £3,000 on a Standard policy right up to £7,000 on a Premier policy. You can also choose how much excess you’d like to pay when you purchase a policy online. Choose from £50, £100 or £150 excess amounts.

Out of Hours Care

One thing you should be aware of is that M&S will not cover you for treatment by a vet outside of normal surgery opening hours. However, you will be covered if the vet believes it necessary to treat your pet as a matter of urgency outside of these hours. If you are not sure about whether treatment is urgent, give your vet a call in the first instance for advice.

Claim Window

When you need to make a claim, you will need to complete a claim form and send it along with any supporting documentation and invoices within 60 days of the first treatment. Some conditions might require treatment in the long term in which case you will need to complete a claim form and then further claims for any ongoing treatment.

Excess Options

The amount you pay for excess will depend on the age of your pet and also your own personal preference. The more excess you pay, the cheaper your monthly premiums. For younger pets, you can choose to pay £50, £100 or £150 and for older pets you can choose to pay £150, £200 or £250.

M&S Pet Insurance Policies Explained

M&S currently offers customers a choice between three pet insurance plans. These are lifetime, a combined 12 month/max benefit plan and a max benefit plan, or in other words, a choice between a time-limited or a lifetime policy. But, what is the difference between lifetime and time-limited?

What is Lifetime Cover?

Well, lifetime cover is the most comprehensive pet insurance available and will continue to pay out for ongoing problems throughout your pet’s lifetime. For example, if your dog has a skin condition and diabetes and you pay £1,000 in vet fees for each condition each year, your lifetime cover will protect you as long as you don’t go over the annual limit. If you go over the limit set by your policy, you will need to meet these fees yourself.

What is Time-Limited Cover?

A time-limited or non-lifetime policy, on the other hand, offers less comprehensive cover and offers either per-condition cover or time-limit per-condition cover. For example, if your cat has an eye infection and your per-condition limit is £1,000, you will no longer be covered for this condition once you reach your limit. Once you reach the limit, this condition will be excluded from your cover plan, even if you renew your policy.

Standard Cover

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.

Benefits at a glance:

  • Injury and illness dental treatment cover
  • £60 per week for emergency boarding
  • Euthanasia cost of £100
  • Death from illness (£600)
  • Complementary treatment (£500)

Premier 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.

Benefits at a glance:

  • Complementary treatment (£1,000)
  • Third party liability (£2 million)
  • Reward for missing pet (£750)
  • Pets abroad cover (£2,000)
  • Death from illness (£1,500)

Essential 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.

Benefits at a glance:

  • £3,000 for each illness or injury over 12 month period
  • Third party liability (£1 million)
  • Euthanasia costs (£100)
  • Stolen or missing pet (£600)
  • Injury cover for dental treatment





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:Footnote [1]
£1,000 £500 £500
Treatment food up to:Footnote [2]
£200 Not covered Not covered
Behavioural disorder up to:Footnote [3]
£250 Not covered Not covered
Dental treatment:Footnote [4]
Injury and illness Injury and illness Injury only
Travel expenses (no excess applies) up to:Footnote [5]
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

Footnote 1* Whatever policy you choose you will not be able to claim for any changes in your pet’s health or behaviour before a policy is started or in the first 14 days of cover or for death from illness after your pet’s 9th birthday. Please note that if you change your level of cover at renewal, the maximum amount you can claim may change and you may no longer be covered for existing conditions.

Footnote 2[1][2][3][4][5] Included in the vet fee limit.

Why Take Out Pet Insurance?

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.

M&S Pet Insurance – Pros & Cons in a Nutshell

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 and at the time of writing is offering 12 months for the price 9 on all new policies and renewals. Whether you have a young cat or elderly dog requiring regular treatment, you should have no trouble finding a policy to suit your needs.

How to Make a Claim

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.

What Customers Are Saying About M&S Pet Insurance

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.”

Best Money Saver – Saving You Time And Money

At Best Money Saver, we make it our goal to save our customers both time and money. Whether you have just bought a new furry friend home or you are looking to renew your existing pet insurance policy, we give you all the information you need in one handy place. From policy details and reviews to how to make a claim and the benefits of each product, you can find it all here.

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