Why choose our pet insurance for your dog?

We’ve got your dog’s health at heart with a choice of time limited, maximum benefit and lifetime cover. Plus we offer 24/7 access to vet nurse support, so we're here for you and your four-legged friend – whenever, wherever you need us.

  • Your pet insurance, your way
    Choose from four levels of lifetime cover (£2,500, £5,000, £7,500 or £10,000), two levels of maximum benefit cover (£3,000 or £6,000) or £3,000 time limited cover
  • Save more with Nectar
    Get a discount on your pet insurance if you’re a Nectar member*
  • Get your paws on double Nectar points
    We’ll double your Nectar points on your Sainsbury’s shopping and fuel**
  • Manage your policy online
    Get claims information and make changes to your policy on My Pet Portal
  • 24/7 Vet Assistance
    Speak to a vet nurse 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†

What your dog’s covered for

No-one wants a poorly pet – or unexpected vet bills. Our insurance products can help take the financial pain away by helping to cover the cost of expensive vet fees.

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). It’s the peace of mind you need and the protection you deserve.

Benefit Time limited
Covers each condition for up to 12 months or up to max amount below
Learn more
Maximum benefit
Covers up to the max amount per condition
Learn more
Covers up to max amount each year
Learn more
Treatment period 12 months unlimited unlimited
Treatment basis per condition per condition per year
Veterinary fees tick tick tick
Veterinary helpline tick tick tick
Additional benefits tick tick tick
Holiday cover tick tick tick

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.

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 £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

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

There are some breeds that we won’t cover under our £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.

Get a dog insurance quote

What cover’s right for your dog?

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.

Lifetime cover

This is our most comprehensive pet insurance. 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 the level of cover you choose. We can pay out for ongoing issues it may have throughout its lifetime – for as long as you’re with us. If your dog has a pre-existing condition you can still take out lifetime cover with us, but unfortunately we will not be able to cover the pre-existing condition.

For example, if your dog develops a chronic condition while you have £5,000 Lifetime cover with us, we'll cover vet costs for this condition up to £5,000 each year - for as long as you're with us. If your dog develops more than one chronic condition, we'll cover the vet costs up to a combined total of £5,000 each year - for as long as you're with us.

Find out more about lifetime cover

Maximum benefit cover

With our maximum benefit cover of £3,000 or £6,000 your dog will be covered for accidents, illnesses and conditions up to your chosen policy cover limit.

Unlike lifetime pet insurance, a maximum benefit policy doesn’t reset each year. Your pet’s condition will simply be covered until the limit runs out and you reach the maximum benefit.

Unlike time limited policies, there’s no time limit on reaching the maximum benefit. So as long as you renew your policy each year without a break in cover, your pet’s illness, injury or condition could be covered for a number of years.

For example, for every new condition your dog comes down with, with our Maximum Benefit cover, we'll cover the vet costs per condition up to £6,000 - for as long as you're with us. But once you reach the maximum benefit per condition, that condition will no longer be covered.

Find out more about maximum benefit cover

Time limited cover

With our time limited policy, each condition is only covered for 12 months from the first date of treatment or until the maximum benefit is paid for that condition – whichever comes first. After this, you’ll need to pay for any ongoing treatment yourself.

For example, if your dog develops a chronic condition while you have a £3,000 Time Limited policy with us, you can claim up to £3,000 for vet costs - as long as it's within 12 months of your dog's first treatment. But once your maximum benefit or time limit is reached, your dog will no longer be covered for this particular condition - even if you renew.

Find out more about time limited cover

What age can my dog be insured?

You can take out a pet insurance 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.

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.

Browse our guides

Choose from our list of helpful guides and information

See all guides
Health and wellbeing

Find out how to keep your dog healthy and happy

Find out more
Pet insurance glossary

Cut through the jargon and understand your cover

Learn more

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.

Get a dog insurance quote

Got more than one pet?

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

Insure multiple pets

Any questions?

Got a question about Sainsbury’s Bank pet insurance? We have the answers to some of the most common questions we hear from pet owners like you.

Get an answer

Need to talk to us?

Find the details you need in our FAQs.

Other contact details

*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 sainsburysbank.co.uk/privacy.

**Double Nectar points.
1) Only 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 scan or swipe that card, or input your card number, with each Sainsbury’s purchase.
3) Double points begin on your policy's cover start date. If you don't tell us your Nectar card number until after your cover start date, double points will 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.

†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.

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.