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Published: 27/01/2022

Sainsbury’s Bank offers three different types of pet insurance with a range of policy options, the majority of which have been awarded a Moneyfacts Five-Star Rating thanks to their comprehensive levels of protection. Here we take a closer look at Sainsbury’s Bank pet insurance and see why you may like to consider it for your four-legged friends.

What does Sainsbury’s pet insurance cover?

This depends on the policy you go for. You can get insurance for your dog, cat or rabbit (or multi-pet insurance that offers cover for all your pets in one) and can choose between Time Limited, Maximum Benefit or Lifetime policies.

Time Limited

Time limited cover provides short-term cover for a specific condition that your pet has never suffered from before. It pays for up to £3,000 of veterinary fees or 12 months of treatment, whichever comes first, as well as 24/7 support from the Vet Assistance helpline and holiday travel cover. Vets fees can include dental cover (not routine checks), behavioural illnesses and overseas veterinary treatment of up to £3,000 each, while complementary treatment and physiotherapy are covered up to £500. Additional benefits are also available, including cover for theft or straying (up to £1,000) and third party liability cover (up to £2 million, dogs only). Note that this policy is only available for dogs or cats.

Maximum Benefit (£3,000 or £6,000)

A Maximum Benefit policy allows you to claim for the same condition as many times as you need, up to your chosen policy limit – either £3,000 or £6,000 in veterinary fees, with the same benefits included as in the previous package (albeit with different limits). There’s no time limit and treatment is on a per-condition basis, so if you reach the limit for one condition you’ll still be covered for any additional condition that may develop. The Vet Assistance helpline, holiday cover and additional benefits are again on offer. This policy is only an option for dogs or cats.

Lifetime Insurance

A Lifetime policy offers an unlimited treatment period with annual cover, allowing you to access up to £10,000 in treatment costs every year. You can choose from several different levels, according to your needs and budget: cats and dogs can benefit from Lifetime £2,500, Lifetime £5,000, Lifetime £7,500 or Lifetime £10,000 policies, while rabbits can access up to £2,000 in veterinary costs each year with the Lifetime £2,000 policy.


Dental cover, complementary treatment and physiotherapy costs are included, while cats and dogs are covered against behavioural illnesses and overseas veterinary treatment as well (the limits vary depending on the policy). Additional benefits are also included, as is access to Vet Assistance.

What isn’t included in Sainsbury’s Bank pet insurance?

As with any pet insurance policy, there are certain things that won’t be covered. This includes, but isn’t limited to:


  • Pre-existing conditions, including any condition that develops within 14 days of the policy start date.
  • Any accidents or poisoning incidents that occur within three days of the policy start date.
  • Routine care (such as worming or vaccinations), and any treatment required as a result of a lack of routine care.
  • Out of hours treatment, unless deemed life-threatening.
  • Dental treatment if regular check-ups weren’t continued.
  • Pregnancy or birth, or any resulting complications.
  • Death of your pet due to an excluded condition.


Bear in mind that there’ll typically be an excess to pay of at least £99 towards each new condition, and certain breeds may be excluded from the highest policy limits. Be sure to read the policy document carefully for an accurate understanding of the cover and any limitations.

How much does it cost?

This will depend on several different factors, not least of which the breed of animal you’re insuring and the type of policy you choose. The age of your pet will also be a factor, as will their general health. It’s important to compare quotes ahead of time so you know the kind of premiums you’ll be paying.  

How can I manage my Sainsbury’s Bank pet insurance policy?

Your policy can easily be managed online via the My Pet Portal.

How do I claim on Sainsbury’s pet insurance?

You can start a claim through My Pet Portal, where you’ll be asked to fill in a claims form outlining the necessary details. You’ll be notified of its progress and, if approved, you can be paid yourself or can arrange for your vet to be paid directly, rather than using a reimbursement model, which means you don’t need to come up with the cash up front.


Bear in mind that claims and all accompanying documentation must be submitted within 12 months of treatment in order to be valid; anything outside of this won’t be reimbursed. If you’d rather not make a claim online, you can call the Sainsbury’s Bank pet insurance claims line instead.

What else do I need to know?

You can take out a policy for your pet once they’re eight weeks old. Cats can be newly insured up to their 10th birthday, dogs up to their eighth (this drops to their fifth birthday with some breeds), and rabbits until their fifth. Cover can continue past these ages once they’re already insured.


Alongside the standard coverage offered by Sainsbury’s Bank pet insurance, policyholders can also benefit from double Nectar points on Sainsbury’s shopping and fuel, a multi-pet discount for each pet insured, and a discount for Nectar cardholders too.

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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