With Essential policiesSee footnote ***, you could claim up to £3,000 for each accident or illness, 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've reached the £3,000 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.
| Benefits | Essential |
|---|---|
| Veterinary fees and treatment period up to: | £3,000 for each accident or illness or a maximum treatment period of 12 months (whichever is reached first). Treatment period starts from the date of first vet treatment. |
| Complementary treatment including hydrotherapy up to:See footnote †††† | £500 |
| Dental treatment:See footnote †††† | Injury only |
| Third party liability (dogs only) up to: | £1,000,000 |
| Death from injury up to: | £600 |
| Death from illness (less than age 9 only) up to: | £600 |
| Putting your pet to sleep and cremation or burial (no excess applies) up to: | £100 |
| Advertising for missing pet up to: | £600 |
| Reward for missing pet up to: | £600 |
| Stolen or missing pet up to: | £600 |
††[1][2] Included in the vet fee limit.
What is included with M&S Pet Insurance?
- 15% online discountSee footnote ††
- Pay by monthly instalments - at no extra cost
- 10% multi-pet discount when insuring two or more pets on the same policy
- Protect your dog or cat from aged 8 weeks
- Access to vetfone™ - 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
Still wondering whether pet insurance is worth shelling out for? Take a look at the most common claims and their costings for cats and dogs.
Common cat claims
Common dog claims
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Household hazards
Puppy training
Dog separation anxiety
Stress in dogs
Important 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
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.
† 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 if 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 a policy is started 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 level of cover at renewal, the maximum amount you can claim may change and you may no longer be covered for existing conditions.
