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Behavioural therapy cover

Behavioural therapy cover

We'll help your pet get back to its best

Provided by Pinnacle Insurance plc

Keep your pet happy and healthy

All pets have their moments. But there are times when your cat or dog’s bad behaviour could be more than just a phase – and could be linked to a behavioural issue or disorder.

If that time comes, and your vet recommends a course of therapy or treatment, we’ll be there to help cover the cost.

What you’re covered for

We’ll cover the cost of any behavioural therapy or treatment your vet recommends up to the limits set out below and in your Certificate of Insurance.

Treatment for behavioural issues

(as part of your overall vet fee benefit)

Time limited £3,000 Lifetime £2,500 Lifetime £5,000 Lifetime £7,500 Lifetime £10,000 Maximum benefit £3,000 Maximum benefit £6,000
Cover for 12 months or up to max amount below Covers up to max amount each year Covers up to max amount per condition
£3,000 £2,500 £5,000 £7,500 £10,000 £3,000 £6,000


What behavioural issues are covered?

When you take out pet insurance with us, we’ll cover the cost of any behavioural therapy or treatment recommended by your vet.

The most common pet behaviour problems could be:

  • Aggression

  • Anxiety and separation anxiety

  • Chewing and destructive behaviour

  • Toileting problems

  • Phobia or fear of loud noises

What we won’t cover

Any pre-existing condition, special conditions or exclusions that apply to vet fees cover and behavioural therapy cover will be detailed in your Certificate of Insurance.

But, as a guide, we won’t cover the cost of:

  • Any damage to your home caused by your pet’s behavioural problems
  • A behavioural problem which could have been prevented by training, spaying or neutering

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 and exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

Who can carry out behavioural therapy?

If you’ve noticed your pet’s behaviour changing, the first thing to do is speak to your vet. Behavioural problems such as aggression and anxiety could be linked to serious, underlying health problems.

Get 24/7 vet assistance

When you insure your pet with us, you’ll get free access to our Sainsbury’s Bank Vet Assistance.

So if you’ve noticed a change in your pet’s behaviour or if you’re wondering if behavioural therapy could help, just get in touch – whenever it suits.

Make a behavioural therapy claim

If your vet has recommended behavioural therapy for your pet, you can make your claim. In order to do so, your vet will need to sign the claim form, and the therapist must provide invoices showing all the costs involved.

All you have to do is log in to My Pet Portal and you can submit and manage your claim online. Or call our claim team on 0344 543 1032 to get a claim form. Simple.

Helpful guides for your pet

Our handy pet guides could help your four-legged friend be on its best behaviour.

Pet health and wellbeing

Pet health and wellbeing

Find out how to keep your pet healthy and happy

Get a pet-friendly home

Get a pet-friendly home

Hints and tips to help create the perfect pet pad

Neutering your pet

Neutering your pet

Could neutering reduce aggressive behaviour?


Any questions?

We’re here to help with the answers to our customers’ most common questions.


Ready to protect your pet?

If you want pet insurance that covers behavioural therapy and helps your pet get back to its best, you can get started right away. If you’re ready, we’re ready.


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.

Information on how we collect and use your personal data is available to read in our Privacy Policy