Review: M&S Pet Insurance
By Ronny Lavie 
Summary
As a brand, M&S needs little introduction – it is a British institution. However, in addition to lovely food, clothes, homeware and Christmas adverts, M&S also offer financial products, including Home, Car and Pet Insurance.
Click here to get a personalised pet insurance quote from M&S.
Overview of the cover provided by M&S Pet Insurance
M&S’ pet insurance policy is underwritten by Royal and Sun Alliance (RSA), who also underwrite policies for Homebase, John Lewis, Argos, MORE TH>N, Tesco and the RSPCA.
Pet insurance is available for dogs and cats, with three levels of cover to choose from:
Essential – This is a limited policy offering £3,000 in vet fees cover for each illness or injury, or a maximum period of 12 months (whichever is reached first); £500 in complementary treatments; £1,000,000 third party liability cover (dogs only); £600 cover for death from injury or illness (pet must be under 9 years-old for illness cover); £100 for putting your pet to sleep, cremation or burial; £600 advertising for a missing pet, reward for missing pet and stolen or missing pet respectively; and dental treatment for injury.
Standard – This policy offers all of the same benefits as Essential, but is a Lifetime policy, meaning your pet’s conditions are covered for a set amount each year of his or her life - £4,000 in this case (with a limit of £1,000 per illness or injury per year). Additionally, this policy also offers dental cover for both injury and illness and emergency boarding or daily minding for £60 per week, or £600 in total.
Premier – This is also a Lifetime policy, offering £7,000 in vet fees cover each year, with no limit per illness or injury. The policy also includes: complementary treatment cover for £1,000; treatment food for £200; Behavioural disorder for £250; dental treatment for illness and injury; £2,000,000 third party liability cover (dogs only); £1,500 cover for death from injury or illness (pet must be under 9 years-old for illness cover); £200 for putting your pet to sleep, cremation or burial; £1,250 advertising for a missing pet; £750 reward for missing pet; £1,500 for a stolen or missing pet; emergency boarding or daily minding for £70 per week, or £750 in total; £2,000 cover for pets abroad; and £3,000 holiday cancellation cover.
All policies include access to Vetfone – a free 24-hour helpline manned by qualified veterinary nurses.
Choose the cover most suitable for your needs and get a quote on the M&S insurance website.
How much does pet insurance from M&S cost?
The cost of pet insurance is affected by many different factors, such as the type and breed of pet, the pet’s age and medical conditions and the owner’s postcode.
M&S Pet Insurance have created three strong policies, designed to provide good cover for your pet, whatever your budget. Additionally, customers buying a new policy online will enjoy a 15% discount, plus an extra 5% for insuring additional pets.
M&S Cardholders also receive 250 M&S points for new policies.
Get a personalised M&S pet insurance quote.
What do M&S Pet Insurance reviews from customers say?
Reviews for pet insurance from M&S are a very mixed bag – money.co.uk rated M&S Bank Pet Insurance 4.2 out of 5 stars, with 4 out of the 5 people who left reviews saying they would recommend the service. On pet-insurance-guide.co.uk, M&S received an overall score of 3.7 out of 5 stars, and, finally, on reviewcentre.com, M&S Pet Insurance received a rating of 2 out 5, with only 26% of the 147 customers who left reviews saying they would recommend.
Many reviews claimed M&S Bank handled claims well, but listed increasing premiums as the reason for the negative review.
What do M&S Pet Insurance reviews from the experts say?
Defaqto – the independent financial services reviewing site – gave M&S’ Premier Pet Insurance policy 5 out of 5 stars, making it ‘an excellent product with a comprehensive range of features and benefits’. The company’s Standard and Essential polices both received 3 stars, making them ‘standard products providing an average level of features and benefits’.
This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for sales that result from you clicking on a link to one of our partners.
