M&S Pet Insurance Reviews - Best Money Saver

26th November 2018by Joanna White

Pet insurance is one of the very first things that you should purchase when you get a new pet. Pets are considered by many to be a very important part of the family, so you should ensure that they’re fully covered and protected right from the very start of their life.

While there are so many different pet insurance providers to choose from, all offering differing policies and benefits, M&S are considered to be one of the best providers in the industry.

In this guide you’ll find out everything there is to know about M&S pet insurance, as well as what various customers thought of their policies and customer service in the reviews section.

What you need to know

M&S pet insurance covers your beloved furry friend from as young as 8 weeks old.

You can pay in monthly installments, at no extra cost to you, to help spread the cost out more evenly. This ensures that your pet is covered right from the start, but it also means that you don’t have to break the bank in order to protect them.

With M&S pet insurance you can also benefit from their 24 hour a day, 7 days a week, freephone pet helpline. With this service, you can obtain medical advice for your pet as well as guidance on your pet insurance policy and what exactly your pet is covered for.

M&S know that you want to ensure that your pet is as well covered and protected as possible in the event of a medical emergency or incident, so their policies are priced at extremely competitive costs. You can also take advantage of their 15% online discount when you buy your new pet insurance policy online with M&S.

Types of cover

M&S are well aware of their customers’ needs and wants, which is why they offer three different levels of pet insurance cover for you to choose from.

From essential, to standard to their premier cover polices, you can choose the level of pet insurance that’s suitable for you and your pet.

Essential cover

The essential cover from M&S pet insurance is their most basic policy, but still comes with a vast range of benefits and features to ensure that your pet is well covered.

You can ensure that your pet has valuable protection from the likes of injuries or illnesses for a short period of time with the M&S essential cover pet insurance.

Cover for:

  • £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

Standard cover

The standard cover policy from M&S reinstates every year, as long as your pet insurance policy is renewed without a break in your cover.

This type of cover is their “average” kind of insurance; in that it’s not their most comprehensive but it’s not the most basic either. You can rest-assured that your pet will be covered for a wide range of things with this type of cover.

Cover for:

  • 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 premier cover pet insurance provides your pet with lifetime cover, with a total of £7,000 in vet fees that you can claim each year for your pet.

Your pet will benefit the most from M&S premier cover as it’s their most comprehensive and inclusive type of pet insurance.

Cover for:

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

Policy benefits

There are so many policy benefits when it comes to M&S pet insurance.

Your pet will be covered for a whole manner of diseases, illnesses and treatments and you can also receive excellent discounts!

  • 15% online discount
  • Multi-pet discount
  • 24/7 pet helpline
  • Support and advice when you need it
  • Spread the cost of your repayments
  • Protection from just 8 weeks old for cats and dogs

Customer reviews

Like with any type of insurance policy, there will always be pros and cons to every provider.

M&S are lucky enough to receive a plethora of excellent customer reviews however, some of which you can see 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.”


It’s not hard to see why M&S are a popular choice for many people when it comes to insuring their pet. With cover starting from just 8 weeks old for pets, a variety of discounts available and a range of different policies to choose from, M&S pet insurance can ensure that your beloved pet is well looked after!

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