Pet insurance benefits
- 15% online discount See footnote ††††
- Pay by monthly instalments - at no extra cost
- 10% multi-pet discountfor eachcatordogyou choose to insure*
- Protect your dog or cat from aged 8 weeks
- Access to vetfone™ on 0800 980 5583 - a freephone 24 hour helpline
- M&S Pet Insurance gives you access to a range of services from information about local pet care providers to bereavement support
- Dental cover for accidents, injury and illness included on Standard, Plus and Premier policies. Please view to see what we do not cover.
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M&S Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd (RSA).
Lifetime cover
Time limited cover
*Discount applied to each pet when insuring two or more pets on the same policy. You can insure up to 3 pets online on a new policy and you can call RSA on 0800 731 4280 if you’re looking to add more pets to your quote or existing policy.
Get in touch through live chat
Use the quick and easy Live Chat option and get in touch to ask a question. RSA are open Monday to Friday 8am-6pm and Saturday 9am-5pm (excluding bank holidays).
If you want to chat about claims, policy, quotes or renewal, learn more below.
Which policy is right for you?
M&S Pet Insurance provides customers with a choice of four levels of cover.See footnote ****
M&S Pet Insurance offers time limited and lifetime cover.
Time limited cover
Essential policies, gives cover for accidents and illnesses (that happen after the policy start dateSee footnote ******) up to the vet fees limit or for up to 12 months of vet treatment, whichever is reached first. The 12 month time limit begins on the date of first vet treatment. If you make a claim and have any remaining cover benefits you wish to use in the next policy year, you must renew your policy and there must be no break in cover. Once you reach the vet fees limit or your pet has had 12 months of vet treatment (whichever comes first), you will no longer be able to claim for that particular accident or illness again even if you renew your policy.
Lifetime cover
Lifetime policies, that includes Premier, Plus and Standard cover, give cover for accidents and illnesses (that happen after the policy start dateSee footnote ******) up to the chosen vet fees limit each year. Once the vet fees limit has been reached you will not be able to claim again until the policy is renewed and the vet fees limit is reset. If the policy is renewed with no break in cover, the chosen vet fees limit is reinstated to use again so you’ll be able to continue to claim for accidents and illnesses that require ongoing vet treatment as well as those that need one off or shorter treatments.
What's not covered?
M&S Pet Insurance can’t cover everything, some of the things M&S Pet Insurance doesn't cover include:
- Any pre-existing conditions you or your vet were aware of before the policy start date.
- Any illnesses which you or your vet were aware of in the first 14 days of your policy start date.
- The cost of vet treatment for an illness your pet must be vaccinated against
Read the policy wording for full details of what is and isn’t covered with M&S Pet Insurance.
Important pet insurance information
Key information and policy booklets
What is M&S Bank's role and who underwrites M&S Pet Insurance?
We will introduce you to Royal & Sun Alliance Insurance Ltd who arrange, administer, and underwrite M&S Pet Insurance.
- RSA's essential information
Product information booklets
Offer terms and conditions
Voucher offer T&Cs - starting June 2024
Hamper offer T&Cs – May 2024 to June 2024
Previous offer terms and conditions
Voucher offer T&Cs - December 2023 to April 2024
December 2023 to February 2024 Flea and Worm T&Cs
June 2023 to October 2023 offer T&Cs
June 2023 to July 2023 Flea and Worm T&Cs
Claiming on and renewing your policy
For claims for new conditions, you'll find RSA's editable form on the online servicing page for you and your vet to complete.
Claims online servicing
As pets get older, sadly they're more likely to get ill. In fact, RSA’s claims data shows that the cost of looking after your pet's health doubles every four to five years. That's why your renewal price increases each year and your excess will increase when your pet turns nine.
Unfortunately, once a pet has been taken ill, they're more likely to get ill again. That's why, if a claim is paid, the price you will pay next year can double. How much they go up is different for everyone and depends on things like your pet’s breed, their age and health.
FAQs
How do I make a claim?
If you need to make a claim, you should call RSA as soon as possible on0800 980 8750. Please have your policy number or claim number when you call.
For claims for new conditions, you'll find RSA's editable form on the online servicing page for you and your vet to complete.
Make a claim
Does M&S Pet Insurance cover my pet when abroad?
If you choose a Premier policy you'll get cover up to £2,000 for vet fee treatment in any EU country that is included in the Pets Travel Scheme. You'll be covered for three trips in any period of insurance and each trip can last up to 60 days.
Access vetfone™ and help decide whether your pet needs to see a vet
All M&S Pet Insurance policies include access to vetfone™ – a freephone 24 hour pet helpline, manned by qualified veterinary nurses. You can call vetfone™ on0800 980 5583at any time of day or night for guidance on the condition of any pet in your household. They will provide advice on care and treatment, and help you decide whether it’s necessary to visit a vet.
† Customers who obtain a quote for a new M&S Pet Insurance policy (a “Policy”) from 00:01 on 17 June 2024 (the “Opening Date”) until the date the promoter removes or varies this promotion in whole or in part (the “Closing Date”) (inclusive) and purchase that Policy within the quote validity period will receive M&S vouchers (the “Vouchers/Gift”) to spend in store (the “Gift”). Customers purchasing a Premier policy will receive £50 M&S vouchers, customers purchasing a Plus policy will receive £25 M&S vouchers and customers purchasing a Standard policy will receive £15 M&S vouchers. Customers are not eligible if they are renewing or amending policies, purchase a policy through a comparison, affiliate or cashback website, purchase an “Essential Cover” policy. Full offer and voucher terms & conditions apply.
†† Excludes renewals and amendments to existing policies. As pets get older, sadly they’re more likely to get ill. In fact, RSA claims data shows that the cost of looking after your pet’s health doubles every four to five years. That’s why your renewal price increases each year and your excess will increase when your pet turns nine. Unfortunately, once a pet has been taken ill, they’re more likely to get ill again. That’s why, if a claim is paid, the price you will pay next year can double. How much they go up is different for everyone and depends on things like your pet’s breed, their age and health.
**Whatever policy you choose you will not be able to claim for any changes in your pet's health or behaviour before your policy start date 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 cover level at renewal, the maximum amount you can claim and the treatment period may change.
*** Illnesses that first show signs in the first 14 days of your policy start date are not covered.
