Review: M&S Pet Insurance

Ronny Lavie 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’.

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