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Sainsbury's Bank

Lifetime pet insurance

Our most comprehensive cover for your cat, dog or rabbit. Provided by Pinnacle Insurance plc.

Need any information? Just ask us a question.

Why choose Sainsbury's Bank Lifetime Pet Insurance?

  • Unlimited treatment period with annual cover up to £10,000
    Flexible insurance to cover your pets at home and abroad
  • Vet Assistance, day or night
    Our lifetime pet insurance comes with 24/7 access to qualified, UK-based vet nurses online or over the phone
  • Multi-pet cover – cut costs when you insure more
    Get a £1 discount per pet, per month on our multi-pet policies †
  • Extra discount for Nectar members
    As a Nectar member, you’ll get a further discount on your lifetime pet insurance *
  • Double your Nectar points
    Sainsbury's shopping and fuel for 12 months when you purchase by 31/05/2022 **
  • A policy that’s easy to manage
    Manage your pet insurance policy easily with our handy online portal

Already the proud owner of a pet pooch or feline friend? Or thinking about getting a puppy, kitten or rabbit? We can help you protect your pet.

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 does our lifetime pet insurance cover?

If you need to make a claim for your cat or dog, 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. For rabbits, it’s up to £2,000.

Compare our five lifetime pet insurance cover levels, so you can find the best fit for you and your pets.
Benefit Rabbit Cats & Dogs
Covers up to max amount each year
Lifetime £2,000 Lifetime £2,500 Lifetime £5,000 Lifetime £7,500 Lifetime £10,000
Treatment period unlimited unlimited unlimited unlimited unlimited
Treatment basis per year per year per year per year per year
Veterinary fees
Veterinary helpline
Additional benefits
Holiday cover

Veterinary fees can include:

Benefit Rabbit Cats & Dogs
Lifetime £2,000 Lifetime £2,500 Lifetime £5,000 Lifetime £7,500 Lifetime £10,000
Dental Cover up to £2,000 up to £2,500 up to £5,000 up to £7,500 up to £10,000
Complementary Treatment up to £750 up to £750 up to £1,500 up to £1,500 up to £1,500
Physiotherapy up to £750 up to £750 up to £1,500 up to £1,500 up to £1,500
Behavioural illnesses
(excludes the cost of any damage to your home)
up to £2,500 up to £5,000 up to £7,500 up to £10,000
Overseas veterinary treatment up to £2,500 up to £5,000 up to £7,500 up to £10,000

Additional benefits and limits:

Benefit Rabbit Cats & Dogs
Lifetime £2,000 Lifetime £2,500 Lifetime £5,000 Lifetime £7,500 Lifetime £10,000
Death from accident/injury up to £1,500 up to £1,500 up to £1,500 up to £2,000
Death from illness up to £1,500 up to £1,500 up to £1,500 up to £2,000
Cremation up to £200 up to £200 up to £200 up to £200 up to £200
Advertising & reward (dogs must be microchipped) up to £250 up to £1,500 up to £1,500 up to £1,500 up to £2,000
Theft or straying (dogs must be microchipped) up to £1,500 up to £1,500 up to £1,500 up to £2,000
Emergency boarding kennel fees (if you're ill/injured for over 48hrs) up to £250 up to £1,500 up to £1,500 up to £1,500 up to £1,500
3rd party liability (dogs only) up to £2 million up to £2 million up to £2 million up to £2 million

Holiday travel cover:

Please note Rabbits are not covered under holiday travel cover.
Benefit Lifetime £2,500 Lifetime £5,000 Lifetime £7,500 Lifetime £10,000
Holiday cancellation up to £1,500 up to £3,000 up to £3,000 up to £3,000
Quarantine costs up to £1,500 up to £1,500 up to £1,500 up to £1,500
Loss of healthcare cert up to £250 up to £250 up to £250 up to £250
Emergency expenses abroad up to £1,500 up to £1,500 up to £1,500 up to £1,500

We’re sorry, but there are some breeds that we won’t cover under our £10,000 limit – you can find more details in our FAQ section opens in new window.

What is pet insurance lifetime cover?

Owning a pet is a big responsibility, as is taking care of their health and wellbeing. Cats, dogs and rabbits can suffer recurring illnesses or conditions throughout their lives, which can be costly to treat.

Our lifetime pet insurance is our most comprehensive cover. It helps with the cost of one-off illnesses and recurring conditions over an unlimited amount of time. And the cover limit resets each year.

If your pet developed the condition after you took out the lifetime policy, you’ll be covered for as long as your pet needs help. This means you can claim up to £10,000 each year towards vet costs for the same condition or illness – and you can do this every year for the entire duration of the policy.

This is different to both our maximum benefit and time limited policies (available for cats and dogs only). These will help with some vet costs for new illnesses and conditions, but only until your cover limit (which does not reset annually) or time limit (12 months per treatment) is reached. With our maximum and time limited policies, if your cat or dog is affected by the same illness or condition in the future, treatment fees won’t be covered.

So, if you’re looking for pet insurance for ongoing conditions, lifetime cover might be your best option.

Are there age limits on cover?

We’re happy to insure pets as young as eight weeks old. You can start a new policy for most breeds of dogs up to their eighth birthday, although for some breeds it’s their fifth birthday. Cats can start a new policy right up to their tenth birthday. For rabbits, it’s up to their fifth birthday.

Don’t worry, once your pet’s insured with us, you can renew their cover beyond these age limits.

What about pre-existing conditions?

Our insurance doesn’t cover pre-existing conditions – these are conditions or illnesses you knew about before buying the insurance. But so long as you renew your policy each year, our lifetime cover will give you financial support no matter how often an illness crops up or how long your pet needs treatment.

Any more questions?

We understand how important it is to make the right decision on pet insurance. To help you get all the information you need, our FAQs list the most popular questions that pet owners ask – as well as others that aren’t so common.

Handy guides for pet owners

Cats, dogs and rabbits come in all shapes, sizes and personalities. We all want our pets to be happy and healthy. Our guides cover everything from fun facts to lifelong care essentials and insurance information, to help you get the best out of each other.

All you need to know about pets

Curious about your pet’s habits?

Jargon-free guide to pet insurance

Our glossary has it covered

Health and wellbeing

Top tips for a healthy pet

Help protect your pet with a lifetime pet insurance policy

If you’re all set to get lifetime pet insurance, you can buy a policy online today. It’s quick, easy and means your pets will get the cover they deserve.

Need to talk to us?

You should find what you need on our help and support page opens in new window. But if you’d prefer to talk to us, our friendly, UK-based team will be happy to help with any queries you have about our lifetime pet insurance.

Contact details.

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

** Double Nectar points
1. Offer available to customers buying a new pet insurance policy by 31/05/2022.
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 12 months after your policy start date or when the policy is cancelled or you stop paying premiums - whichever happens first.
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.