Reviewed: Tesco Bank Pet Insurance | will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by will always be from Be Scamsmart.

Published: 26/11/2021

Tesco Bank has been awarded a five-star rating across several of its pet insurance policies, making it one of the best pet insurance providers for 2021. Those companies that make the grade are able to meet Moneyfacts’ stringent criteria in terms of package options, service levels, pricing and additional levels of cover, and here, we take a look at how Tesco Bank pet insurance hits the mark. 

What’s included in a Tesco Bank pet insurance policy?

There are four core levels of cover to choose from in a Tesco Bank pet insurance policy, from basic coverage options to more comprehensive protection. Here’s what you can expect with each.

Accident and Injury

The most basic level of cover, the Accident and Injury policy provides cover purely for accidents and injuries with vet fees cover of up to £3,000. Dental cover as a result of an accident is also included, as are subsequent treatments if advised by a vet, and access to the vetfone™ helpline is included. The time limit for vet fees cover is 12 months from the first date of treatment or until the limit is used, whichever is earlier.


This policy has the same basic protection as the Accident and Injury policy, but it also includes lost pet cover (up to £1,500), cover of up to £1,000 if you’re unwell and need someone to look after your pet, up to £200 towards the costs of saying goodbye to your pet, up to £1,500 if your pet dies from an accident or illness, pet travel cover (where vets fees are covered if you’re travelling within the EU as part of the Pet Travel Scheme) and additional cover for illness.


As above, but with an extended vet fees limit of £4,000 or £7,500, depending on the policy you choose. The time limit for vet fees cover is also extended, with the limit applying to each accident or illness.


This package offers the same core coverage options as in the Standard policy, but with a choice of vet fees limits of £2,000, £4,000, £7,500 or £10,000, which are per year to offer a heightened level of protection. Dental cover is also extended. 


Third-party liability cover of up to £2 million is also included on pet insurance policies for dogs, and excess payments are fixed at either £60, £120 or £200 (this rises to £250 in the case of third-party liability claims for property damage).


How much does a Tesco Bank pet insurance policy cost?

This will depend on a whole range of factors including the package you choose, the age and current health of your pet and whether any discounts are available (for example, multi-pet discounts are offered on Standard, Extra and Premier policies, and Clubcard members can often benefit from additional discounts). The level of excess you choose can also have an impact, with a higher excess typically resulting in lower premiums. 

What is vetfone™?

vetfone™ is a 24/7 helpline that offers free, unlimited telephone and video calls with a qualified veterinary nurse to provide expert advice when you need it, at any time of the day or night. They’ll be able to advise on any health, dietary or behavioural problems you may be concerned about, helping you decide whether or not you need to go to your vet and potentially saving you a costly and unnecessary trip. It’s a completely free service that’s included in all Tesco Bank pet insurance policies. 

Is there anything else I should know?

Your pet will need to be at least eight weeks old when cover starts, and there’s a waiting period of five days during which any accidents or resulting illnesses won’t be covered. As with any pet insurance policies, there are certain exclusions that you should be aware of, including pre-existing conditions and illnesses that arise as a result of missed vaccinations. Certain breeds of dog and cat won’t be covered, and neither will pets that are used for breeding, security or as a business. Make sure to read the policy documents before making your decision so you know exactly what to expect. 

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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