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Sainsbury's Bank

Dog insurance

Protection and peace of mind. Provided by Pinnacle Insurance plc.

Need any information? Just ask us a question.

Why choose our dog insurance?

  • 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
  • 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
  • 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. We’ll help you find the best dog insurance with three types of cover to choose from. It’s the peace of mind you need and the protection your dog deserves. It's the peace of mind you need and the protection you deserve.

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 £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 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 Pet Insurance? We’re here to help. Check out our FAQ and support page opens in new window for more.

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.

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.

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

Health and wellbeing

Find out how to keep your dog healthy and happy

Pet insurance glossary

Cut through the jargon and understand your cover

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.

Contact details.

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.

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.