What does Sainsbury’s Bank multi-pet insurance offer?

Covering all your cats and dogs in one place lets you be sure all your pets have the cover they need. Plus, our online portal makes the admin easy. So, you can spend a bit less time on the paperwork and a bit more time with your pets. You’ll also save enough to buy them an extra little treat with our multi-pet discount†.

  • Enjoy a discount of £1 per pet, each month, on a multi pet policy†
  • We’ll double your Nectar points on Sainsbury’s shopping and fuel**
  • Additional discount for Nectar members*
  • Manage your policies online using My Pet Portal
  • 24/7 access to qualified vet nurses over the phone or via web chat

The multi-pet cover options for your cats and dogs

Having a poorly pet can be a worrying time. But we're here to help cover the cost of vet fees. You'll get a range of benefits as standard (eligibility criteria and conditions apply, see full policy documents for details), meaning you can focus on looking after each of your pets.

Benefit Time limited Lifetime
Description Cover for 12 months or up to max amount below
Learn more
Covers up to max amount each year
Learn more
Treatment period 12 months unlimited
Treatment basis per condition per year
Veterinary fees tick tick
Veterinary helpline tick tick
Additional benefits tick tick
Holiday cover tick tick

Maximum benefit Time limited £3,000 Lifetime up to £7,500
Dental Cover up to £3,000 up to £7,500
Complementary Treatment £500 up to £1,500
Physiotherapy £500 up to £1,500
Behavioural illnesses (excludes the cost of any damage to your home) up to £3,000 up to £7,500
Overseas veterinary treatment up to £3,000 up to £7,500

With our Lifetime pet insurance, you get access to £2,500, £5,000 or £7,500 towards vet costs each year – depending on the level of cover you choose. We've used Lifetime £7,500 cover as an example in the table above.

Maximum benefit Time limited Lifetime
Death from accident/injury £1,000 £1,500
Death from illness £1,000 £1,500
Cremation £200 £200
Advertising & reward (dogs must be microchipped) £1,000 £1,500
Theft or straying (dogs must be microchipped) £1,000 £1,500
Emergency boarding kennel/cattery fees (if you're ill/injured for over 48hrs) £1,000 £1,500
3rd party liability (dogs only) £2 million £2 million

Maximum benefit Time limited Lifetime
Holiday cancellation £1,000 up to £3,000
Quarantine costs £1,000 £1,500
Loss of healthcare cert £250 £250
Emergency expenses abroad £1,000 £1,500

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.


Ready to buy multi-pet policies today?

Let’s get the right cover in place. You can compare prices depending on the cover you need and find the best policies for you. Once you’re done, you can relax knowing that no matter which one of your pets needs help, professional treatment is on hand. Hit the button to get started now.

Get a multi-pet insurance quote


Handy pet guides

We know how much you love your pets. That’s why we’ve put together a series of helpful step-by-step guides to help you with everything from training and microchipping to animal health.

Browse all guides

Helpful advice for pet owners

See all guides
Pet insurance explained

Demystifying lifetime vs. time limited

Learn more
Pet insurance glossary

The A to Z of pet insurance

Learn more

Any questions?

If you have questions about multi-pet insurance, or pet insurance, try our FAQs. You’ll find answers to the most commonly asked questions, such as how do I make a claim, where do I find the right vet and how do I choose the right policy? It’s a great place to start for you and your pets.

Get an answer

Need to talk to us?

Find the details you need in our FAQs.

Other contact details

*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 sainsburysbank.co.uk/privacy.

**Double Nectar points.
1) Only available to customers buying a new Sainsbury's Bank Pet Insurance policy.
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 when the policy is cancelled or you stop paying premiums.
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.