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Fatal accident or illness pet insurance

Fatal accident or illness pet insurance

Pet insurance for the worst-case scenario

Provided by Pinnacle Insurance plc

We’re here if you need us

Our pet insurance gives you cover for death from accident or illness as standard.

We hope you never have to make a claim on this part of your policy. But, if your cat or dog dies during the policy year, we could give you what you paid for your pet. We’ll pay up to the limit set out in your policy documents.

If you take out an insurance policy with us, we’ll also:

  • Give you a guaranteed discount if you’re a Nectar member*
  • Give you a discount for every cat and dog on a multi-pet policy †

What you’re covered for

You can get pet insurance as soon as your cat or dog is eight weeks old.

If your pet dies from illness, we’ll cover cats until they reach their tenth birthday. For most dogs, the upper limit for this part of the cover is eight years of age. But for some breeds, it’s their fifth birthday.

The death from accidental injury part of the benefit does not have an upper age limit.

Death from accident or illness cover

Time limited £3,000 Lifetime £2,500 Lifetime £5,000 Lifetime £7,500 Lifetime £10,000 Maximum benefit £3,000 Maximum benefit £6,000
Covers up to max amount
£1,000 £1,500 £1,500 £1,500 £2,000 £1,500 £1,500


You can find out more about the terms of our cover in our policy documents.

How does death from accident or illness cover work?

If your pet dies because of an accident or illness, we’ll pay this benefit on top of any fees to treat your pet before they passed away. An accident is defined as anything sudden and unexpected.

We’ll also pay if your vet believes putting them to sleep is the kindest way to stop them suffering unnecessarily from their accidental injury or illness.

Our insurance will also pay up to £200 towards the cost of your pet’s cremation or cemetery burial.

What’s not included in our cover?

We won’t pay if your pet dies because of:

  • An illness or condition you knew about before buying insurance
  • Accidental injury or poisoning that occurs in the first three days of the policy
  • A condition that occurs in the first 14 days of the policy
  • Pregnancy complications
  • An illness if your cat is 10 years of age or older
  • An illness if your dog is eight years or older – for some breeds it’s five years of age

We do not cover any pre-existing conditions. Your policy documents will explain all the limits on your cover.

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

Death from accident or illness cover is not applicable for our rabbit insurance policies.

How do I make a claim?

Call our claims team on 0344 543 1032 and we’ll send you a claims form. You then need to complete and return it to us.

We understand it’s a difficult time so aim to settle quickly. 99% of claims are paid within 5 working days based on Sainsbury's Bank Pet Insurance claims data from July 2022 to June 2023.

We’ll need:

  • The receipt you got when you bought your pet
  • Your pet’s pedigree certificate, if they had one

Don’t worry if you can’t find the original receipt. We can estimate a current market value, or use the amount you said you paid when you bought your policy. We’ll use the lower of these two values and won’t pay more than your policy limit.

Helpful guides for pet owners

For everything you need to know about pets, browse our series of handy guides.

Pet insurance glossary

Pet insurance glossary

Find definitions and explanations of common pet insurance terms

 Tips for a pet-friendly home

Tips for a pet-friendly home

Make your home your pet’s favourite place

Know your vet

Know your vet

Make the most of professional help


Got questions?

We’ve listed the most common questions we get asked in our FAQs, so you can find the answers you want quickly.


What happens if my pet dies when I'm abroad

Our death from accident or illness insurance covers you if your pet passes away in the UK, the Channel Islands and the Isle of Man. If your pet dies abroad, you are insured provided the accident or illness are covered under the terms and conditions of your policy. Find out what accidents and illnesses aren't covered above.

I've lost my original receipt. How do you work out the market value?

There are lots of things we know about your pet, like its age, breed, sex and pedigree. We use all the details we have about your cat or dog, compare it with similar animals and come up with a value for your pet.


Ready to buy pet insurance?

If you’ve been looking for pet insurance that includes fatal accident or illness cover as standard, we can help. If you’re ready, we’re ready.


Get in touch

If you need to speak to us, call 0344 543 1032. You can also get us through our 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.

Terms and conditions

* Guaranteed discount for Nectar members: The discount is based on information related to you and the transactions you've made with Sainsbury's supermarkets and Sainsbury's Bank using your Nectar card. For more information 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, up to a maximum of six pets. 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.