Skip to content
Dog insurance main banner

Dog insurance

Get a dog insurance quote for your furry friend in minutes. Enjoy flexible cover and a Nectar member discount*.
Provided by Pinnacle Insurance plc.

Want to know more? Just ask us a questionopens in new window 
Applies to cover over £4000. Time limited and Rabbit cover excluded.

Why choose our dog insurance?

We offer dog insurance plans that work for you and your companion. Our selection of insurance cover provides protection when your pet needs it most. Here are just some of the reasons why you should choose Sainsbury’s Bank pet cover: 

  • Flexible insurance, your way
    Choose from three levels of cover – plus, get vet fee cover up to £10,000
  • 24/7 Vet Assistance
    Speak to our UK-based vet nurses any time, online or on the phone, about your pet health queries
  • Insure more than one pet for less
    Get a discount of £1 per pet per month with our multi-pet insurance †
  • Save more with Nectar
    Get a discount on your pet insurance if you’re a Nectar member*
  • Manage your policy online
    Get claims information and make changes to your policy on My Pet Portal
  • 99% of claims paid within 5 working days ^
    We can also pay your vet directly so you're not out of pocket 

What your dog is covered for

No-one wants a poorly pet – or unexpected vet bills. We’ll help you find the best dog insurance with three types of cover to choose from. It's the protection your dog deserves.

You'll get a range of benefits as standard, including death from accident, illness or injury cover and holiday cover (eligibility criteria and conditions apply. See full policy documents for details).
Benefit Time limited
Covers each condition for up to 12 months or up to max amount below
Maximum benefit
Covers up to the max amount per condition
Covers up to max amount each year
Treatment period 12 months unlimited unlimited
Treatment basis per condition per condition per year
Veterinary fees
Veterinary helpline
Additional benefits
Holiday cover

Veterinary fees can include:

Benefit Time limited £3,000 Maximum benefit £6,000 Lifetime £10,000
Dental Cover up to £3,000 up to £6,000 up to £10,000
Complementary Treatment up to £500 up to £1,500 up to £1,500
Physiotherapy up to £500 up to £1,500 up to £1,500
Behavioural illnesses
(excludes the cost of any damage to your home)
up to £3,000 up to £6,000 up to £10,000
Overseas veterinary treatment up to £3,000 up to £6,000 up to £10,000

With our lifetime pet insurance, you get access to £2,500, £5,000, £7,500 or £10,000 towards vet costs each year – depending on the level of cover you choose. We've used Lifetime £10,000 cover as an example in the table above.

Our maximum benefit cover can provide you with £3,000 or £6,000 towards vet costs per condition depending on the level of cover that you choose. We've used £6,000 maximum benefit cover as an example in the table above.

With our time limited cover, you'll get access to a maximum of £3,000 towards vet costs for up to 12 months per condition.

Additional benefits and limits:

Benefit Time limited £3,000 Maximum benefit £6,000 Lifetime £10,000
Death from accident/injury £1,000 £1,500 up to £2,000
Death from illness £1,000 up to £1,500 up to £2,000
Cremation £200 £200 £200
Advertising & reward (dogs must be microchipped) £1,000 £1,500 up to £2,000
Theft or straying (dogs must be microchipped) £1,000 £1,500 up to £2,000
Emergency boarding kennel fees (if you're ill/injured for over 48hrs) £1,000 £1,500 £1,500
3rd party liability (dogs only) £2 million £2 million £2 million

Holiday travel cover:

Benefit Time limited £3,000 Maximum benefit £6,000 Lifetime £10,000
Holiday cancellation £1,000 £1,500 £3,000
Quarantine costs £1,000 £1,500 £1,500
Loss of healthcare cert £250 £250 £250
Emergency expenses abroad £1,000 £1,500 £1,500

Eligibility criteria and conditions apply. There are some breeds that we won’t cover under our Lifetime cover £10,000 limit which you can find details of in our FAQ section. 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.

What dog insurance should I get?

With Sainsbury’s Bank Pet Insurance, you can choose from time limited, maximum benefit or lifetime cover. The type of cover – and the amount you want cover for – will depend on your personal circumstances and your dog’s needs.


Our most comprehensive offering. Your dog will be covered for total vet costs of up to £2,500, £5,000, £7,500 or £10,000 per year, depending on what cover you choose.

We’ll pay out for ongoing issues your dog may have throughout its lifetime – for as long as you’re with us.

If your dog already has a medical condition, you can still take out lifetime cover with us.

Maximum benefit

Your dog will be covered for accidents, illnesses and conditions up to your chosen policy cover limit – £3,000 or £6,000

Your dog’s condition will simply be covered until the limit runs out and you reach the maximum benefit.

Subject to the condition limit, as long as you renew each year without a break in cover, the illness, injury or condition will continue to be covered.

Time limited

You can make claims for different treatments during the year, up to £3,000.

We'll pay up to the individual limit for each condition, or for up to 12 months from start of treatment – whichever comes first.

After this, you’ll need to pay for any ongoing treatment your dog needs yourself.

It’s more suitable for short-term health conditions.

Need more information

Any more questions about Sainsbury’s Bank dog insurance? We’re here to help. Check out our FAQ and support page opens in new window for more.

Why buy dog insurance?

Getting protection for your dog is super important to help keep their tails wagging if they need to pay a visit to the vets.

A policy from Sainsbury’s Bank can provide you with these essential benefits:

  • You get help with vet bills when you need it most.
  • Enjoy multi-pet discounts, if you have more than one pet.
  • Your dog can be covered on a wide range of benefits, from dental care to physiotherapy.

You can choose from three different types of cover, so you can find the right plan for you and your dog.

What does dog insurance cover?

Dog insurance can provide a wide range of cover to prepare you for any situation. Depending on the type of cover you choose, dog insurance typically covers the following:

  • Vet treatments and dental cover
    If your canine chum becomes ill, injured or needs dental care, you’ll get cover for fees up to £10,000, depending on the policy you choose.
  • Physiotherapy and behavioural illnesses
    We can cover some of the costs related to non-essential care.
  • Overseas vet treatments and holiday cancellation
    Abroad with your pet and need urgent vet care? We can help take care of some of the costs.
  • Death from illness, accident or injury
    During a difficult time, you can focus on what’s important, while we handle the any costs, including burial or cremation.
  • Loss through theft or straying
    If your loyal companion goes missing, we can help pay for missing adverts and rewards to help get your friend back safely.
  • Emergency kennel fees
    If you’re in hospital and need a kennel to care for your dog while you’re away, we can cover the daily boarding fees.

What isn’t covered by dog insurance?

Like most dog insurance plans, there are some things that aren’t covered by policies, including:

  • Routine and preventative care like worming or flea treatments
  • Pre-existing illnesses, symptoms or injuries 
  • Injuries or poisonings sustained within the first three days of your policy
  • Illnesses diagnosed within the first 14 days
  • Selected breeds of dog

What to consider when buying dog insurance

When looking for a dog insurance quote, there are a few important factors to consider.

•    How old your dog is
•    The breed of your dog – we are unable to insure certain breeds and can’t offer our £10,000 Lifetime Cover on selected breeds
•    Any pre-existing health conditions
•    The behavioural history of your dog
•    Whether you’re considering buying a new dog – we offer multi-pet policies that may work for you

Once you’ve considered this information and provided it to us, we can help find the right policy for you.

Remember, 99% of claims are paid within 5 working days^, so whenever your dog needs urgent, or even non-essential vet care, you’ll not be left out of pocket. 

Find out what you’re covered for

Ready to protect your dog?

Whether you’ve got a tiny terrier or a gentle giant, we know dogs can be highly protective. And we are too. We're here to help protect your dog when you need us most.

Check you’re happy with the terms of our cover in our policy documents – then get started with your dog insurance quote.

More than one pet?

Insure all your pets with our multi-pet insurance and save at least £24 a year.† Less money. Less hassle.

Need to talk to us?

You may find the answers you need on our help and support page opens in new window. If you’d prefer to speak to someone, our friendly team will be happy to help.

Get in touch with us

Helpful guides for your dog

Pet insurance jargon got you barking mad? Wondering if it’s really worth getting insurance for your dog? Get in the know with our helpful pet guides.

Pet guides

Browse our guides

Choose from our list of helpful guides and information

Pet guides

Health and wellbeing

Find out how to keep your dog healthy and happy

Pet guides

Pet insurance glossary

Cut through the jargon and understand your cover

Frequently asked questions

What age can my dog be insured?

You can take out a policy with us as soon as your dog is eight weeks old. If you’re looking for pet insurance for an older dog, you can usually start a new policy up until their eighth birthday. Please note that for some breeds, the upper limit is their fifth birthday.

Don’t worry, you can continue to cover your dog up to any age, as long as you keep renewing your policy every year without a break. It doesn’t matter when you start your cover or what type of cover you choose.

How much is dog insurance?

Many factors go into deciding the price of insurance, so it’s hard to say. It depends on your dog’s breed and age, as well as where you live, and the type of policy you choose. The best thing to do is get a quote to see how much it might cost.

Is dental work covered?

Yes – if it’s because of an illness or injury. We don't cover dental crowns, root canals or fillings. It’s important to make sure your dog has dental check-ups with your vet and that you follow their advice.

What is Vet Assistance?

It’s our 24/7 vet advice helpline. You’ll be able to speak to a qualified vet nurse at any time of the day or night to discuss any concerns you have about your dog’s health. Use it whenever you need it, our vet team will be happy to help.

Is there anything you don't cover?

  • Symptoms, illnesses or injuries that your dog had before you took out a policy
  • Routine or preventative treatments
  • Any illnesses diagnosed within the first 14 days of your policy
  • Any injuries or poisoning in the first three days
  • There are also certain breeds opens in new window we’re unable to insure, and some we can’t cover under our £10,000 Lifetime Cover

Please see our policy documents for full details.

Any more questions about Sainsbury’s Bank Pet Insurance? We’re here to help. Check out our FAQ and support page for more.

Get an answer

Terms and conditions

* The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to

† 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. Pets can have different cover levels. Discount deducted separately from any other offer.

** Based on website data between October 2023 and December 2023 .

^ Based on Sainsbury's Bank Pet Insurance claims data from July 2022 to June 2023.

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.