What types of policies does Tesco Bank offer?

Tesco Bank offers three types of insurance policies, with annual vet fee cover ranging from £3,000 to £10,000. These policies are available for both cats and dogs.

Does Tesco Bank cover pre-existing conditions?

No, Tesco Bank does not provide cover for pre-existing conditions.

Do I need to pay an excess when I make a claim?

Yes, you will need to pay a fixed excess when you make a claim for vet fees. You can choose the amount when you take out your policy (£60, £120, or £200). Additionally, you can opt to pay a percentage of the vet bill, which will reduce the premium you pay. The higher your excess, the more you’ll contribute towards a claim. For claims where your pet is aged 8 or over, you’ll need to pay your chosen fixed excess and 20% of the remaining costs. There are some claims where no excess is required.

I have an old cat or dog, can I get insured?

Yes, older pets can be insured. For cats and dogs over the age of 8, you will need to pay 20% of each remaining vet bill yourself after your fixed excess has been deducted.

Are dental fees covered?

All of Tesco Bank’s policies include cover for dental fees due to an accident. Their Standard and Extra policies also cover dental treatment if it’s needed due to an underlying issue. Premier policies provide cover for treatment due to accidents, illnesses, and all other dental treatments, provided your pet has a yearly check-up and the recommended treatment.

Are vaccinations included?

Vaccinations are not covered by Tesco Bank pet insurance, as they are considered routine costs rather than unexpected expenses.

What happens after I make a claim?

Once you make a claim, Tesco Bank begins processing it straight away. Tesco can pay your vet directly if they’re happy to accept direct payments and will notify you once the payment has been made.

Tesco Bank

Tesco Bank Pet Insurance offers comprehensive cover for your pets, ensuring they receive the care they deserve. With guaranteed discounts for Clubcard members and 24/7 access to vetfone™, Tesco Bank provides peace of mind with direct vet payments and a high claim settlement rate.

Whether you're looking for standard cover or something more extensive, Tesco Bank's flexible plans cater to both dogs and cats, offering valuable protection against accidents, illnesses, and more.

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Vet fee cover

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Insurance products by Tesco Bank

Dog and puppy insurance

With Tesco Bank dog insurance, you’ll find standard cover from £86.40 a year or £7.20 a month, according to the payments of 10% of new customers paid in March 2024.

What’s included?

Cover for illness, accidents and injuries.
Lost pet cover up to £1,000 including a £200 reward.
Discount available for each additional pet added to a policy.
24-hour access to the vetfone™ helpline — unlimited telephone and video calls at no extra cost.
Saying goodbye cover up to £200 for putting your pet to sleep or for burials.
Up to £1,000 towards pet care for unplanned hospital visits of more than 4 days.
Pet travel cover up to your vet fees limit.
Refunds up to £1,500 for death from an accident or illness (excluding pets over nine years old).
Complementary treatments such as physiotherapy and hydrotherapy are included within vet fees limit, up to £500 on Standard and £1,000 on Extra and Premier.

What levels of cover are available?

Customers can choose from three levels of annual vet fee cover:

Standard: £3,000
Extra: £7,500
Premier: £10,000

How does reimbursement work?

To make a Tesco Bank pet insurance claim, you need to download the claims form which can be found on the Tesco website. Simply fill in the relevant information and email the form to your vet so that they can complete their part. The vet can then email the form to Tesco along with all of the relevant invoices and your pet's full medical history.

You'll be contacted as soon as possible, once Tesco has processed your claim.

Are there any exclusions?

Tesco Bank won’t cover treatment if:

Your dog has any pre-existing illnesses and injuries.
You have ever had an insurance policy declared void or cancelled by an insurer.
Your pet is used for breeding (this means used for breeding more than two times in its lifetime).
Your pet is used as a business, to make money or earn an income.
Your dog is trained to attack, used for security or as a guard dog.

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Cat and kitten insurance

With Tesco Bank cat insurance, you’ll find standard cover from £52.27 a year or £4.36 a month, according to the payments of 10% of new customers paid in March 2024.

What’s included?

Cover for illness, accidents and injuries.
Lost pet cover up to £1,000 including a £200 reward.
Discount available for each additional pet added to a policy.
24-hour access to the vetfone™ helpline — unlimited telephone and video calls at no extra cost.
Saying goodbye cover up to £200 for putting your pet to sleep or for burials.
Up to £1,000 towards pet care for unplanned hospital visits of more than 4 days.
Pet travel cover up to your vet fees limit.
Refunds up to £1,500 for death from an accident or illness (excluding pets over nine years old).
Complementary treatments such as physiotherapy and hydrotherapy are included within vet fees limit, up to £500 on Standard and £1,000 on Extra and Premier.

What levels of cover are available?

Customers can choose from three levels of annual vet fee cover:

Standard: £3,000
Extra: £7,500
Premier: £10,000

How does reimbursement work?

To make a Tesco Bank cat insurance claim, you need to download the claims form which can be found on the Tesco website. Simply fill in the relevant information and email the form to your vet so that they can complete their part. The vet can then email the form to Tesco along with all of the relevant invoices and your pet's full medical history.

You'll be contacted as soon as possible, once Tesco has processed your claim.

Are there any exclusions?

Tesco Bank won’t cover treatment if:

Your cat has any pre-existing illnesses and injuries
You have ever had an insurance policy declared void or cancelled by an insurer.
Your pet is used for breeding (this means used for breeding more than two times in its lifetime).
Your pet is used as a business, to make money or earn an income.

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Multi-pet insurance

With Tesco Bank multi-pet insurance, You can usually insure a combination of dogs and cats at the same time. You may even be able to save money compared to taking out separate policies for each pet.

What’s included?

Cover for illness, accidents and injuries.
Lost pet cover up to £1,000 including a £200 reward.
Discount available for each additional pet added to a policy.
24-hour access to the vetfone™ helpline — unlimited telephone and video calls at no extra cost.
Saying goodbye cover up to £200 for putting your pet to sleep or for burials.
Up to £1,000 towards pet care for unplanned hospital visits of more than 4 days.
Pet travel cover up to your vet fees limit.
Refunds up to £1,500 for death from an accident or illness (excluding pets over nine years old).
Complementary treatments such as physiotherapy and hydrotherapy are included within vet fees limit, up to £500 on Standard and £1,000 on Extra and Premier.

What levels of cover are available?

Customers can choose from three levels of annual vet fee cover:

Standard: £3,000
Extra: £7,500
Premier: £10,000

How does reimbursement work?

To make a Tesco Bank multi-pet insurance claim, you need to download the claims form which can be found on the Tesco website. Simply fill in the relevant information and email the form to your vet so that they can complete their part. The vet can then email the form to Tesco along with all of the relevant invoices and your pet's full medical history.

You'll be contacted as soon as possible, once Tesco has processed your claim.

Are there any exclusions?

Tesco Bank won’t cover treatment if:

Your cat has any pre-existing illnesses and injuries.
You have ever had an insurance policy declared void or cancelled by an insurer.
Your pet is used for breeding (this means used for breeding more than two times in its lifetime).
Your pet is used as a business, to make money or earn an income.

Get a Quote

Did you know?

Tesco Bank settled
9/10 claims in 2023!

Quotes our team received

Cheapest quote:

£3.45 per month
Maximum vet fees:

£3,000 per accident
Excess:

£120 dog | cat

Cheapest quote:

£5.88 per month
Maximum vet fees:

£3,000 per accident
Excess:

£120 dog | cat

Compare Tesco Bank insurance products

Tesco offers four different pet insurance policies. Their Accident & Injury and Standard policies provide cover for 12 months from the date treatment started, or until you've reached the vet fee limit, as long as your policy is renewed, there's no break in cover and your premiums are up-to-date.

With Tesco's Extra pet insurance policy, cover lasts until the vet fee limit is reached for each accident or illness. The vet fee limit for Premier policies is per year and reinstated annually, provided you renew your policy and keep your premiums up to date.

Vet fees	Accident & Injury	Standard	Extra	Premier
Vet fees per year	£3,000	£3,000	£4,000 £7,500	£2,000 £4,000 £7,500 £10,000
Excess Per condition, per year	From £60 for each illness or accident	From £60 for each illness or accident	From £60 for each illness or accident	From £60 for each illness or accident
Advertising and reward	Not Included	Up to £1,000	Up to £1,000	Up to £1,000
Burial or cremation	Not Included	Up to £200	Up to £200	Up to £200
Death from accident or illness	Not Included	Up to £1,500	Up to £1,500	Up to £1,500
24-hour access to the Vetfone helpline	Included	Included	Included	Included

Customer Reviews

Simon Ingram

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 26 Sep 2024

1 out of 5 paws

Won't Pay Up

Just been advised that Tesco Pet Insurance are refusing to pay for dental checks and clean for our dog because the vet made reference to her teeth having mild to moderate calculus two and half years …

Recieved a response within 1-2 days after their claim was submitted
Claim wasn't successful
Was neither happy or unhappy with their experience when they spoke to someone

Susan

Cover Purchased

Reviewed without invitation

Reviewed the Claims experience on 2 Apr 2024

1 out of 5 paws

Claim Refused

Avoid Tesco pet insurance they want your money but refused to pay on premium policy for mild tartar which resulted 18 months later. They took over 3 months for final decision. Don’t waste your time o…

Recieved a response over 5 days after their claim was submitted
Claim wasn't successful
Was neither happy or unhappy with their experience when they spoke to someone

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Making a claim

Whether you’re the owner or the vet, simply complete Tesco Bank’s online claim form to claim back medication and treatment costs. Follow the five simple steps below:

1. Download the form

Download the form and fill it out completely.
2. Complete the information

Make sure you’ve completed all the information (if you think they need to know you should mention it).
3. Send it to your vet

Once the vet has completed their part of the claim form they can email this through to Tesco Bank with all invoices and medical history, please ensure that your original email is forwarded along with this for validation purposes.
4. Vet completion

If your vet agrees, Tesco will pay them directly.
5. Results

Tesco Bank will contact you as soon as they process your claim.

Other things to consider

Changes to your premium

There are several factors that will affect the cost of your insurance premium when you first take out your pet insurance policy. These include:

Age: younger pets typically have lower premiums.
Breed: certain breeds are more prone to specific health conditions, which can affect the cost.
Location: vet costs can vary by region.
Coverage level: higher coverage plans naturally come with a higher premium.

Your limit will be reinstated each year, as long as you renew your policy and there’s no break in cover. Tesco Bank may choose not to renew a policy, if they do, they will let you know in advance of your renewal date.

Understanding insurance excess

When you get a quote for pet insurance with Tesco Bank you’ll be asked to choose a fixed excess amount, which you’ll need to pay if you make a vet fee claim.

You can choose from £60, £120 or £200. If you choose a higher excess, you’ll pay more when you claim, but it will reduce your premium.

The fixed excess amount will be paid in each policy period for each illness or accident.

Percentage excesses

Chosen Additional Excess, also known as co-payment, cost sharing or co-insurance, is a percentage you choose to pay on all the remaining vet bills after the fixed excess is deducted. The percentage excess depends on the age of your pet.

Other excesses

If your pet needs to be treated by a referral vet, and you choose a referral vet from outside our network and it's not for emergency treatment, you will need to pay £200 of the referral vet bill yourself. This amount is in addition to your policy excesses above.

If your pet causes damage to another person's property you’ll need to pay the first £250 of compensation or costs awarded by a court.

What you don’t have to pay an excess on

Saying goodbye
Refunding the cost of your pet
Your pet is missing
Help if you are unwell
Cancelling or cutting short your holiday
Travelling with your pet

Contact Tesco Bank

If you want to speak to a member of the Tesco Bank team, you can contact them via their UK-based contact centre. They are open Monday to Friday 8 am to 8 pm and Saturdays 9 am to 5 pm.

FAQs

What types of policies does Tesco Bank offer?

Tesco Bank offers three types of insurance policies, with annual vet fee cover ranging from £3,000 to £10,000. These policies are available for both cats and dogs.
Does Tesco Bank cover pre-existing conditions?

No, Tesco Bank does not provide cover for pre-existing conditions.
Do I need to pay an excess when I make a claim?

Yes, you will need to pay a fixed excess when you make a claim for vet fees. You can choose the amount when you take out your policy (£60, £120, or £200). Additionally, you can opt to pay a percentage of the vet bill, which will reduce the premium you pay. The higher your excess, the more you’ll contribute towards a claim. For claims where your pet is aged 8 or over, you’ll need to pay your chosen fixed excess and 20% of the remaining costs. There are some claims where no excess is required.
I have an old cat or dog, can I get insured?

Yes, older pets can be insured. For cats and dogs over the age of 8, you will need to pay 20% of each remaining vet bill yourself after your fixed excess has been deducted.
Are dental fees covered?

All of Tesco Bank’s policies include cover for dental fees due to an accident. Their Standard and Extra policies also cover dental treatment if it’s needed due to an underlying issue. Premier policies provide cover for treatment due to accidents, illnesses, and all other dental treatments, provided your pet has a yearly check-up and the recommended treatment.
Are vaccinations included?

Vaccinations are not covered by Tesco Bank pet insurance, as they are considered routine costs rather than unexpected expenses.
What happens after I make a claim?

Once you make a claim, Tesco Bank begins processing it straight away. Tesco can pay your vet directly if they’re happy to accept direct payments and will notify you once the payment has been made.