The advantages of advertising & reward cover

It’s not unusual for curious cats or distracted dogs to get lost. Our advertising & reward cover helps to bring them back home.

It pays for:

  • The cost of advertising locally
  • Rewards paid for returned pets

Whether your pet is missing, stolen or lost, our advertising & return cover helps to pay for the publicity campaign. The amount we’ll pay depends on your policy and will only cover up to the maximum benefit as detailed in your policy. As shown in the table below.

Focusing on local advertising will give you the best chance of getting your cat or dog back home quickly. The more people you tell, the better chance you have of finding your pet.

Advertising & Reward Cover

Time limited £3,000 Lifetime £2,500 Lifetime £5,000 Lifetime £7,500
Cover for 12 months or up to max amount below Covers up to max amount each year Covers up to max amount each year Covers up to max amount each year
£1,000 £1,500 £1,500 £1,500

Please note that we won't cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

Extra cover for missing pets

Sometimes it’s just not possible to find stolen or missing pets, even if you’ve placed adverts and offered a reward.

We can’t ever replace your lost pets, but our pet insurance does include theft or stray [EM1] cover. If your cat or dog is still missing after 30 days, we’ll pay you what you paid for your pet (up to the maximum cover limit you select).

Theft or straying cover

What’s not covered by advertising & reward?

Our advertising & reward cover is pretty comprehensive, but it does have some limits to look out for.

We will not pay costs for:

  • Pets that go missing within 14 days of you buying your insurance
  • Rewards paid to family members
  • Rewards claimed by the person looking after your pet when it went missing
  • Dogs that are not microchipped
  • National advertising - we only cover local. If your pet goes missing, it’s most likely they’re somewhere nearby

Making an advertising & reward claim

All you have to do is log in to My Pet Portal and you can submit and manage your claim online. Simple.

To make sure all your costs are included, we’ll ask you to fill out a claim form. Or call our claim team on 0344 543 1032 to get one.

We’ll need:

  • Receipts for your advertising costs and rewards
  • Official paperwork confirming your dog’s microchip number

And that’s it. We’ll get on with paying your claim so you’re not out of pocket for long. Based on claims paid in 2018 by Cardif Pinnacle, we pay 97% of claims in five working days.

Tips to keep pets safe and secure

Our guides are packed with helpful information to help protect your pets whether you’re at home or out and about.

Find your missing pet

Emergency plans to find lost pets

Discover more
Guide to rehoming

You might consider visiting an animal shelter to find your new pet

Get started
Microchipping your pet

Why it’s important to get your pet microchipped

Learn more

Got any questions?

If you need any extra information, our FAQs cover the most common questions on pet insurance.

Check out FAQs

When you report your pet missing to your vet, they’ll be able to give you advice on the sort of reward you should offer. The main aim is to make sure people are on the lookout for your lost pet, so don’t forget about handing out leaflets, placing adverts and sharing social media posts.

Our guide to finding your missing pet has more helpful hints, tips and advice.



Ready to buy advertising & reward cover?

If you’d like to get a quote for your pet insurance, you can get started right away. If you’re ready, we’re ready.

Find out more

Need to talk to us?

Call 0344 543 1032

Other contact details

We’re here Monday to Friday, 8am-6pm and Saturday, 9am-1pm. Calls are charged at local rates from landlines and mobiles and may be monitored and recorded.


Important information


Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514). Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc.
Sainsbury's Bank plc acts as an introducer to Pinnacle Insurance plc who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. Sainsbury’s Bank plc and Pinnacle Insurance plc are not part of the same corporate group.

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