What our dog insurance gives you

Well, some peace of mind for starters. We can pay many vets directly, or we’ll refund you within seven days. And if you want to insure more than one pet, we can help with that too. We’ve even got a few ways to help your pocket:

  • 12 months for the price of 9*
    If you’re a new customer, we’ll give you a 25% discount online
  • Save more with a Nectar card**
    Get an extra discount of up to 12.5%
  • Insure more than one pet for less†
    You’ll save at least £24 with our multi-pet insurance
  • All this and double Nectar points too††
    We give all our dog insurance customers double points on shopping and fuel from Sainsbury’s

What your dog’s covered for

(Limited to 12 months) up to
Covers up to max amount below
Premier Plus
Covers up to max amount below
Vet fees (for each condition) £3,000 £7,500 £13,000
That could include:
- Complementary treatment
- Physiotherapy
£500 £1,000 £1,500
- Treatment for behavioural illness £250 £250 £400
Personal liability
(for each incident)
£1,000,000 £2,000,000 £2,000,000
Excess applies for each unrelated injury or illness claim.
Terms and conditions apply to all insurance policies, please see the policy documents for full details.
All treatments must be referred by a vet.
Pre-existing conditions are not covered.
Premier and Premier Plus provide ongoing cover as long as you renew your existing policy annually without a break in cover.

Tailor your policy

You can also cover your dog for things like getting lost or being taken ill when you’re abroad, for even more peace of mind. Terms and conditions apply.

Holiday cover

We can help if your dog becomes ill when you’re away on holiday, isn’t allowed back in to the UK, or if your dog’s illness means you need to return home in an emergency.

Safe return

If your dog goes missing, we can help you find them. We can also help with emergency boarding fees if you become ill and need someone to look after your pet.

Loss cover

Help with cremation costs, should the worst happen.

Ready to insure your dog?

You can take out a new insurance policy if your dog’s between eight weeks and nine years old, and even add up to six pets on the same policy. Regardless of the type of cover you choose, once you have it, you can cover your dog up to any age, as long as you keep renewing the policy without a break. You can find more about the terms of our cover in our policy documents.

Introductory offers are for first year only.

*12 months for 9 is an introductory offer available to new Pet Insurance customers who buy online. The discounted premium is paid in 12 monthly instalments. Sainsbury's Bank reserves the right to alter, cancel or withdraw the offer without prior notice.

**Up to 12.5% discount. Introductory offer. You'll receive a discounted rate based on information related to transactions you've made in Sainsbury's supermarkets using your Nectar card. 32.5% of Nectar card holders who bought pet insurance achieved the maximum discount of 12.5% between October and December 2018.

†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 for each pet on a policy, up to a maximum of six pets. Pets can have different cover levels and optional extras. Discount deducted separately from any other offer.

††Double Nectar points  1) Offer available to customers buying a new Sainsbury’s Bank Pet Insurance policy. 2) You need to tell us your Nectar card number when you apply, and use this card with each Sainsbury’s purchase. 3) Double points begin on your policy’s cover start date. If you tell us your Nectar card number after your cover start date, double points begin on the date you tell us. 4) Double points stop when the policy is cancelled or you stop paying premiums. 5) Each Nectar account can only collect points from one pet insurance policy. 6) It’s only the base points you collect at Sainsbury’s that are doubled. Bonus points won’t be doubled, nor will any points from Argos, Habitat, Sainsbury’s Bank (including travel money purchases), Sainsbury’s Energy or any other Sainsbury’s service. 7) By the 10th of each month, you’ll get a bonus point award equal to the total of your qualifying points during the previous month, up to a maximum of 20,000 points. 8) Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available. 9) We reserve the right to change or cancel this offer without notice.

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 Pet Insurance is provided, underwritten and administered by Allianz Insurance plc registered in England no. 84638. Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB. Allianz insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Allianz Insurance plc is on the Financial Services Register, registration number 121849. Sainsbury's Bank and Allianz Insurance plc are not part of the same corporate group. Insurance available to cats and dogs that are older than 8 weeks but have not yet reached their 9th birthday. However once purchased, cover can continue up to any age, if you renew the existing policy without a break in cover. Please see policy documents for full terms, exclusions and limitations of cover.