Pet Insurance.
Get a Tesco Pet Insurance quote and save with your Clubcard. 97% of claims paid within 5 working days.*
*Based on Tesco Pet Insurance claims data, Jan - Oct 2025. Clubcard required.
Tesco Pet Insurance is arranged, administered and underwritten by Pinnacle Insurance Ltd.
Win a dog training session with The Dogfather
Enter our prize draw for the chance to win an online training session with Graeme Hall and your dog.
The prize draw is open to all UK residents aged 21 or over. It will run from 00.01am on 9 January 2026 until 23.59pm on 28 February 2026.
Why choose Tesco Pet Insurance?
24/7 vetfone helpline
Get pet advice by phone, live chat or video call whenever you need it - at no extra cost.
Direct payments to your vet
We can pay claims direct to your vet, if they accept direct payments. Excesses will apply.
Spread the cost of your cover
Pay your premium monthly by Direct Debit - it won't cost any more.
Helping you to protect your dog or cat
Cover for the pets you love, from 8 weeks old to very old.
Dog Insurance
Cover your dog for vet fees up to £11,000 with our Lifetime policy.
Our dog insurance policies cover pets of all ages and include:
- Accident, illness and injury coverAccident, illness and injury cover
- Dental coverDental cover
- Pet travel coverPet travel cover
Cat Insurance
Cover your cat for vet fees up to £11,000 with our Lifetime policy.
Our cat insurance policies cover pets of all ages and include:
- Accident, illness and injury coverAccident, illness and injury cover
- Dental coverDental cover
- Lost pet coverLost pet cover
Multi Pet Insurance discount
Get a £12 discount for each pet if you insure more than one with us.
Available with all policies, for pets of all ages. Terms and conditions apply.
Your pet insurance excess
Excesses will apply to your policy, which will affect the amount of premium you pay and how much you'll have to pay if you make a claim.
Make sure you understand the excesses when you get a quote or start a new policy. You'll find all the information you need in the policy documents.
How we collect and use your personal data
You can find out how we collect and use your personal data (including information on profiling and automated decisions), and your rights under data protection laws, in our Privacy Policy. Data may be obtained from and shared with the wider Tesco Group and fraud prevention agencies.
Make a claim online
Find out what you need to do - and what to expect - when you make a claim. You can keep track of your claim through Your Pet Portal.
Get your pet insurance quote online
Guaranteed discount for Clubcard members
Over 1 million Clubcard members trust Tesco Insurance with their Pet, Home, Car or Travel Insurance. And whether you’re a new customer or renewing your cover this year, you’re guaranteed a Clubcard discount.
Compare our levels of pet insurance cover
Time Limited
Vet fees limit1
£3,000 or £5,000
Vet fees time limit2
12 months from the first treatment date or until you reach the vet fees limit, whichever comes first. As long as:
you renew you your policy with no break in cover
your premiums are paid
Maximum Benefit
Vet fees limit1
£5,000 or £7,500
Vet fees time limit2
Until you reach the vet fees limit for each accident or illness. As long as:
you renew you your policy with no break in cover
your premiums are paid
Lifetime
Vet fees limit1
£3,000, £5,000, £7,500 or £11,000
Vet fees time limit2
The limit will be reinstated each year. As long as:
we continue to offer you cover
you renew your policy with no break in cover
your premiums are paid
Our Time Limited, Maximum Benefit and Lifetime cover all include:
Accident, illness and injury cover.
Dental cover - for accident, illness and injury. As long as your pet has an annual dental check-up and any recommended treatment is done.
Finding your pet - up to £1,000, including any reward.
Theft and Straying - up to £1,500 towards the purchase price if your pet can't be found.
A £12 discount for each pet when you insure more than one with us.
Saying goodbye cover - up to £200. For arranging a cremation or burial.
Pet travel cover - up to your vet fees limit.1
Refunds up to £1,500 for death from an accident or illness.
Unlimited 24/7 pet advice from the vetfone helpline - available through Your Pet Portal.
Excesses will apply to your policy, which will affect the amount of premium you pay and how much you have to pay towards your pet's treatment.
An Overage Excess will apply to your policy when your pet turns a certain age (5 or 8 years old for a dog, depending on the breed, and 10 for a cat). After that, you'll have to pay 20% of any claim you make.
You can also set a Voluntary Excess to 'split the bill' and help reduce your premium. And there are some things you won't need to pay an excess on.
You'll find everything you need to know about excesses in the policy documents.
Our specialist says
"Insurance could help with the cost of vet bills if your pet gets sick or has an accident. You could also get some peace of mind, knowing your pet's going to be well looked-after if anything happens to them."
Alex Cross, Chief Customer Officer at Tesco Insurance
Notes:
1. The vet fees limit is the maximum amount we’ll pay towards your vet’s bill if you make a claim, once you’ve paid the excess.
2. The vet fees time limit is the amount of time we’ll keep paying towards your pet’s treatment. You need to make sure you renew your policy with no break in cover - we’ll send you a renewal reminder, or you can set your policy to auto-renew, so you don't forget.
What is pet insurance?
Pet insurance can help with expensive vet bills if your pet gets sick or has an accident. Having the right cover can also give you peace of mind, knowing your pet will be well looked-after.
You can insure cats and dogs from 8 weeks old. And some policies, like ours, cover them up to any age. But as your pets gets older, your premiums are likely to go up.
How do we calculate your pet insurance?
Your pet insurance premium is based on a number of things. Including:
- your pet’s age and breedyour pet’s age and breed
- your pet’s health and past insurance claimsyour pet’s health and past insurance claims
- the type of policy and level of cover you choosethe type of policy and level of cover you choose
With Tesco Pet Insurance, you can choose from 3 levels of cover - Lifetime, Maximum Benefit or Time Limited. And you’ll get a discount with your Clubcard.
Tesco Pet Insurance in the UK includes vetfone
Get advice for your pet, whenever you need it. Just call the vetfone helpline.
- Talk to vets and nurses registered with the Royal College of Veterinary SurgeonsTalk to vets and nurses registered with the Royal College of Veterinary Surgeons
- 24/7 phone, live chat and video calls24/7 phone, live chat and video calls
- Unlimited access, at no extra costUnlimited access, at no extra cost
What to think about when getting pet insurance
Important terms for our cover
- Pets must be at least 8 weeks old when cover starts.Pets must be at least 8 weeks old when cover starts.
- Pre-existing injuries and illnesses are not covered.Pre-existing injuries and illnesses are not covered.
- Exclusion periods for injury and illness apply.Exclusion periods for injury and illness apply.
- Certain breeds of dog are not covered.Certain breeds of dog are not covered.
- Monetary limits, excesses and exclusions apply - review the policy documents for details.Monetary limits, excesses and exclusions apply - see the policy documents for details.
Budgeting for increasing renewal prices
As pets get older, they’re unfortunately more likely to get ill. That’s why your renewal price increases each year and your excess will increase when your pet turns a certain age (5 or 8 years old for a dog, depending on the breed, and 10 for a cat).
Please also note, an overage excess will apply to your policy when your pet turns a certain age (5 or 8 years old for a dog, depending on the breed, and 10 for a cat). After that, you'll have to pay 20% of any claim you make.
Making a claim
A claim being paid increases the likelihood of future claims. In turn, this may cause your renewal price to increase. That increase will depend on your pet’s breed, age and health, so there's no limit to how much your renewal price can increase over time.
Flexible policy benefits
- Spread the cost of your policy - pay monthly by Direct Debit. The good news is, it doesn't cost you more.Spread the cost of your policy - pay monthly by Direct Debit. The good news is, it doesn't cost you more.
- Up to £2,000,000 on third-party liability costs such as injury or property damage (dogs only).Up to £2,000,000 on third-party liability costs such as injury or property damage (dogs only).
- Cover for repeat or emergency treatment when travelling with your pet abroad, as long as you're travelling in line with government guidelines. Check the latestgovernment advice on taking your pet abroad before you plan your trip.Cover for repeat or emergency treatment when travelling with your pet abroad, as long as you're travelling in line with government guidelines. Check the latest government advice on taking your pet abroad before you plan your trip.
Monetary limits, excesses and exclusions apply.
Save money with a multi pet discount
Get a £12 discount for each pet when you insure more than one with us. Available with all policies. Terms and conditions apply.
Pet Insurance FAQs
No, unless the problems are unrelated. For example, if your dog cut their leg before your policy start date and this healed, and then your dog was unfortunate enough to cut their leg again, this would be classed as a new injury and would be covered under the terms of the policy (subject to the limits, excesses and exclusions that apply).
However, if the original cut did not heal properly and your pet needed further treatment, this would not be covered as it would be considered a pre-existing condition.
Symptoms exhibited before the policy start date that are diagnosed later are not covered either.
If your pet is ill or injured and you are concerned whether this will be covered by your Tesco Pet Insurance policy, please refer to your policy documents, including your Tesco Pet Insurance Policy Document, Insurance Product Information Document and Certificate of Insurance.
Conditions your pet has suffered in the past are considered as a pre-existing condition. Pre-existing conditions are not covered by the policy. Accidents that happen within the first 3 days or illness within the first 14 days of taking out the policy may not be covered. Policy exclusions will apply.
Pre-existing illnesses and injuries that your pet(s) may have at the time of taking out the insurance are not covered.
Your policy will also not cover the costs of treating an illness that first showed clinical signs within the first 14 days of your policy start date.
If you have an accident or injury policy, your policy will not cover any accident or injury that happened in the first 5 days of your policy start date. Illness is not covered unless caused by an accident or injury.
If you are still in doubt, you can get in touch and one of the team will be happy to help.
If you renewed your policy after 1 January 2025 or took out a policy on or after 21 January 2025, you can get in touch through the 'Contact us' page of the Pet Portal. If you don't have access to the Pet Portal, our contact details can be found on our contact information page.
If you took out a policy before 21 January 2025 and are yet to renew, our contact details can be found on our contact information page.
If your pet needs treatment, we can pay either you or the treating vet, you just need to make sure your vet accepts direct payments. All you need to do is tick a box on the claim form.
Please note that the way you need to submit a claim may be different depending on when you took out or renewed your policy. Before you submit your claim, please make sure you are submitting it correctly.
If you renewed your policy after 1 January 2025 or took out a policy on or after 21 January 2025, the quickest way to submit a claim is through the Pet Portal. Sign in, complete a claim form, and as long as we have all the details we need, we'll take it from there.
Once our assessors have reviewed your claim, it takes around 5 days to assess it; we'll let you know the outcome. If you submit your claim online, you'll be able to monitor its progress with our claims tracker. For customers who receive their documents in the post, we'll keep you updated via letter, and if you signed up for SMS, we'll also keep you updated with text messages.
If you don't have access to the Pet Portal, our contact details can be found on our contact information page.
If you took out a policy before 21 January 2025 and are yet to renew, you can easily submit claims for new and ongoing conditions online. Submitting online is the quickest and easiest way to submit a claim for all vet fees, but you can also download a claim form (143kb, PDF). Once you've completed it, email it to us at tesco.petclaims@uk.rsagroup.com.
Alternatively, our general contact details can be found on our contact information page.
Contact us
Got a question about your cover? We’re here to help. Our UK-based contact centre is open Monday to Friday 8.30am-6pm and Saturday 9am-1pm.
Important information
Policy documents
Check that Tesco Pet Insurance is right for you
Please read the policy documents to make sure your policy and cover level meet your needs.
The Policy Booklet also gives you information about your right to cancel.
For policies starting on or after 21 January 2025
For policies renewing on or after 1 January 2025
Product information documents
For policies starting on or after 21 January 2025
Tesco Pet Insurance Policy Information Document - Lifetime (96.9kb, PDF)
Tesco Pet Insurance Policy Information Document - Maximum Benefit (240kb, PDF)
Tesco Pet Insurance Policy Information Document - Time Limited (96.1kb, PDF)
For policies renewing on or after 1 January 2025
How much is pet insurance at renewal?
It's important to budget for increases to your policy as your pet gets older. Your premiums are likely to go up each year - there's no limit to how much they can go up, and the increase could be significant for you each year and over the policy's lifetime.
Sadly, as cats and dogs get older, they're more likely to get ill. That's why:
- your renewal price will increase each year.your renewal price will increase each year.
- an overage excess will apply to your policy when your pet turns a certain age (5 or 8 years old for a dog, depending on the breed, and 10 for a cat). After that, you'll have to pay your set excess plus 20% of the claim amount.an overage excess will apply to your policy when your pet turns a certain age (5 or 8 years old for a dog, depending on the breed, and 10 for a cat). After that, you'll have to pay your set excess plus 20% of the claim amount.
How much your premium goes up depends a number of things, including your pet's breed, age and health. And there's no limit to how much your renewal price can go up over time. If a claim's paid out on your policy, your premium could more than double at renewal.
How we use your data
Your Tesco Clubcard data
We'll search our records for your Tesco Clubcard number. If you have a Clubcard, we may access and use information from it (including your name, address and details about your transactions). This'll help us, and your insurer, to assess your premium - but don't worry, it'll only be used to make a positive impact on your premium.
How we collect and use your personal data
Tesco Personal Finance Ltd takes the security of your data seriously. You can find detailed information about how we collect and process your data, and your rights under data protection law, in our Privacy Policy.
We collect data when you browse our website (for example, your IP address), request a quote, partially complete a quote, don't purchase a policy or provide data indirectly via a price comparison website. We keep quote data for up to 7 years and may use this information if you apply for one of our products again in the future.
We'll use your data to give you quotes, provide our services to you, carry out eligibility checks, work out insurance risk, manage debt, protect you and us against fraud and financial crime, and manage and develop our business. Automated decisions may be taken to detect crime.
We use data such as your name and address to find any Clubcards that are linked to your address. That might be your Clubcard, the Clubcard of other family members, or the Clubcard of house or flat mates. We may use this information to tailor our communications to you, and to try to bring you better terms, deals or offers, which may include profiling on an on-going basis. We may also award Clubcard points.
Data may be obtained from and shared with the wider Tesco Group and fraud prevention agencies (FPAs). The FPAs will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, this may be shared with other organisations and you could be refused certain services, finance or employment.
By proceeding with your application you acknowledge that we can use your data in this way.
Eligibility, exclusions and cover for all policies
Please note the following, which apply to all policies:
- Pets must be at least 8 weeks old when cover starts.
- Pre-existing injuries and illnesses are not covered.
- Monetary limits, excesses and exclusions apply.
We won't offer you cover if:
- Your dog is used for anything work-related. Working dogs would be security/guard dogs, gun dogs, farm dogs, racing dogs and emergency rescue dogs.Your dog is used for anything work-related. Working dogs would be security/guard dogs, gun dogs, farm dogs, racing dogs and emergency rescue dogs.
- Your dog's breed is registered under the Dangerous Dogs Act 1991 and/or the Dogs (Muzzling) regulations (Northern Ireland) 1991 or any amendments, or any American Bull Dog, American Bully, American Indian Dog, American Pit Bull Terrier, American Staffordshire Terrier, Bandog, Boerboel, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileros, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolf Hybrid, Wolfdog, XL Bully or any dog crossbred with any of these breeds.Your dog's breed is registered under the Dangerous Dogs Act 1991 and/or the Dogs (Muzzling) regulations (Northern Ireland) 1991 or any amendments, or any American Bull Dog, American Bully, American Indian Dog, American Pit Bull Terrier, American Staffordshire Terrier, Bandog, Boerboel, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileros, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolf Hybrid, Wolfdog, XL Bully or any dog crossbred with any of these breeds.
- You're looking for a policy that will not take care of your pet’s veterinary needs now and in the future.You're looking for a policy that will not take care of your pet’s veterinary needs now and in the future.
- You’re looking for vet fees to cover any treatment resulting from an endemic, pandemic, or disease that is legally required to be reported to the government.You’re looking for vet fees to cover any treatment resulting from an endemic, pandemic, or disease that is legally required to be reported to the government.
Pre-existing conditions that won't be covered include:
Our policies do not cover pre-existing conditions. It's important we know of any conditions and/or symptoms your pet's suffering from or has suffered from in the past before you take out a policy. Failure to tell us about any pre-existing conditions may affect future claims and your policy.
Cover for lost or missing pets
If your pet goes missing, all our pet insurance policies will cover your local advertising and reward costs up to £1,000. If the worst happens, and your cat or dog isn't found within 30 days, we’ll also cover the amount you paid or donated for your pet when you bought them, up to a value of £1,500.
Conditions and exclusions apply, so it's best to check the policy documents to find out exactly what you're covered for.
Cover for travelling with your pet
All of our policies provide cover for repeat or emergency treatment when travelling with your pet abroad, as long as you're travelling in line with government guidelines.
You should check the latest government advice on taking your pet abroad before you plan your trip.
Monetary limits, excesses and exclusions apply.
97% of claims paid in 5 working days. Based on Tesco Pet Insurance claims data from January 2025 to October 2025.
Multi pet discount is a minimum of £24 when insuring more than one pet as this is worked out at £1 per pet per month. Pets can have different cover levels. Discount deducted separately from any other offer.
Tesco Pet Insurance is arranged, administered and underwritten by Pinnacle Insurance Ltd. Tesco Personal Finance Ltd acts as an introducer to Pinnacle Insurance Ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH. Tesco Personal Finance Ltd and Pinnacle Insurance Ltd are not part of the same corporate group.
Vetfone is provided by Vetsdirect Ltd.
Tesco Insurance is a trading name of Tesco Personal Finance Ltd, Registered Office: 2 South Gyle Crescent, Edinburgh, EH12 9FQ (registered in Scotland, no SC173199) which is authorised and regulated by the Financial Conduct Authority (register no. 186022).
We do not provide personal recommendations to customers.
Tesco Insurance receives a commission in relation to your pet insurance policy that Pinnacle Insurance Ltd enters into with you. This is calculated as a percentage of your premium and is included in the total amount you pay.