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What am I covered for?

What does pet insurance cover?

Learn what pet insurance covers and how it may be able to help you financially support your furry friends.

Provided by Pinnacle Insurance plc

Pet insurance cover with Sainsbury’s Bank

With so many pet insurance companies to choose from, all with different levels of products and policies, it can sometimes be hard to know what you’re actually covered for. 

While insurance sounds all- encompassing, you might have questions around whether your pet insurance covers vet visits? And things like will pet insurance cover spaying  and vaccinations?

To help you understand what’s what, this guide details what’s typically included in most pet insurance policies.

It will also explain what you may be able to add as optional extras, as well as things that aren’t usually included.

What pet insurance covers

The most common reason to take out pet insurance is to cover the cost of expensive vet fees if your pet gets injured or falls ill.

Cover for vet fees is included in all pet insurance policies. But the amount you may be covered for will depend on the company, product and level of cover you choose.

When you’re doing your research on pet insurance and what it covers, it’s important to read the policy documents carefully so you know the maximum benefits that could be paid out plus any excesses, special conditions and exclusions that apply.

As well as cover for vet fees, most standard pet insurance cover in the UK includes:

What else can pet insurance cover?

Depending on the company, product and level of cover you choose, there are a number of other features and benefits that may be included with your pet insurance.

These may come as standard with a premium policy – or they could be added as optional extras.

Complementary treatments

Some insurers and policies will provide cover for complementary treatments like acupuncture, hydrotherapy and osteopathy.

Dental treatment

Your pet insurance cover may include the cost of some dental treatments needed as a result of an accidental injury. Some insurers might help towards cover for the treatment of dental conditions as a result of illnesses too.

Emergency boarding fees

If you or a family member has to go to hospital, and there’s no one else to look after your pet, some insurers will help to cover the cost of your pet’s boarding fees.

Help finding your pet

Some pet insurance policies will help with costs surrounding finding your lost pet. 

This may include covering the cost of advertising your pet and rewards if they are found. 

Holiday cancellation

This will help cover the costs if you or any member of your family have to cancel your holiday because your pet goes missing or needs life-saving treatment.

Overseas vet fees

Some pet insurance policies will provide help towards cover if your pet needs vet treatment while abroad – as long as you’re in a country included in the Pet Travel Scheme (PETS).


If it’s recommended by your vet, you may be able to get reimbursed for some of the cost of physiotherapy treatment.

Treatment for behavioural problems

This could cover some of the cost of behavioural therapy or treatment advised by your vet.


Pet insurance may help towards the cost of X-rays only if it is right for the condition you are claiming for. Check your specific policy for more information on if your pet insurance covers X-rays.

Bilateral conditions

Some policies cover bilateral conditions. This is a condition that affects the right or left side of your pet from an underlying cause. If you’re thinking about getting a large dog, it could be worth checking the terms and conditions of your policy carefully to see if it covers hip dysplasia for dogs in the UK.
For full details on what’s covered by Sainsbury’s Bank Pet Insurance, check your policy document.


What’s not covered by pet insurance?

While it’s important to get confirmation of what your cat insurance or dog insurance covers, it’s just as important to double check what’s not included in your policy.

So before you decide what cover is right for you and your pet, look at the policy documents in detail. Make sure you’re fully aware of all the terms, conditions, excesses, exclusions and limitations that apply.

Every pet insurance policy is different, but as a guide, you most likely won’t be covered for any:

  • Pre-existing medical conditions or symptoms you’re already aware of before your policy starts
  • Amount more than the maximum benefit included with your policy
  • Excess you’re required to pay as part of each claim
  • Grooming or cosmetic treatments such as cosmetic dentistry or nail clipping
  • Illnesses or injuries that first occur or show symptoms within the first few weeks of your policy starting
  • Routine or preventative treatments such as spaying, injections and vaccinations
  • Treatment relating to pregnancy, birth or breeding.
  • Costs related to investigative tests – like pre-operative blood tests – unless to diagnose a condition for an existing symptom for something covered by your policy.

Other helpful guides

Get the guidance you need to make the right decisions for you and your pet with our go-to pet insurance guides.

Pet insurance explained

Pet insurance explained

Understand the different types of pet insurance.

Do you need pet insurance?

Do you need pet insurance?

Choose the best way to protect your pet.

Pet insurance glossary

Pet insurance glossary

Cut through the jargon and understand your cover.

Frequently Asked Questions

Does pet insurance cover x rays?

Most pet insurance policies will cover X-rays if recommended by your vet as part of a treatment for an illness or accident covered by your policy. It’s worth checking the terms and conditions of your specific cover before agreeing to the procedure.

Is cherry eye covered by pet insurance?

If cherry eye is a pre-existing condition of your pet, it is unlikely to be covered by pet insurance. You should also check your specific policy to see if the condition is regarded as hereditary, as this may also affect whether the policy will pay out for any related treatments. 

Does pet insurance cover pregnancy?

No, Sainsbury’s Bank Pet Insurance does not cover any vet treatments relating to pregnancy, birth or breeding. It will also not pay out in the event of death as a consequence of pregnancy, birth or bleeding.


Ready to protect your pet?

If you’d like to get a quote for your pet insurance, you can get started right away. If you’re ready, we’re ready.


Need to talk to us?

Find the details you need on our help and support page.

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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.