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Pet insurance

Collect 7,000 Nectar points when you take out a new pet insurance policy^^. Use your offer code and tell us your Nectar card number to qualify.

Provided by Pinnacle Insurance plc.

It takes less than 3 minutes to get a quote **

Why choose Sainsbury's Bank Pet Insurance?

  • Flexible insurance options to cover your pets
    Choose from three types of pet insurance –  Lifetime, Max Benefit and Time limited – with vet fee cover up to £10,000

  • We pay 99%^ of claims in 5 working days
    And we can pay your vet directly so you’re never out of pocket

  • Vet Assistance, day or night
    24/7 access to qualified, UK-based vet nurses online or over the phone to help with your pet health queries

  • Multi-pet cover – insure more than one pet for less
    We’ll give you a £1 discount per pet, per month on our multi-pet policies †

  • Better deals for Nectar members*
    As a Nectar member, you get a guaranteed discount on your pet insurance

  • A policy that’s easy to manage
    Use our handy online portal to manage your pet insurance policy

  • 7,000 Nectar points when you take out a new pet insurance policy ^^
    Don’t forget to enter your promotional code and Nectar card number when you apply. Your points will be added to your account within 60 days unless you cancel your policy during this period

See Terms & Conditions for full offer details* ** † ^ ^^.

What does pet insurance cover?

Cover varies from policy to policy. Here’s what our pet insurance can offer you and your pet:

  • Cover for vet bills up to £10,000, depending on policy
    This includes dental, behavioural therapy, physiotherapy and more.
  • Cover for death from an accident or illness, up to £2,000 depending on policy
    When times are tough, you can rest assured we’re there to take the financial strain out of a stressful situation.
  • Holiday cover
    Jet off knowing your pets are taken care of, with policies that cover your pet for overseas vet fees, quarantine costs and more while you’re away.
  • Pet theft or straying, including a reward or resources to get them returned
    We can help provide the means to get your missing pets back safely, with money towards rewards, missing posters and more. 
  • 24/7 advice from the Vet Assistance helpline
    We’re here to offer expert support when you need it most, with our dedicated helpline.

All insurance policies have restrictions. To find out more about our terms and conditions including exclusions, excesses and limits, please take a look at our policy documents.

What to consider when buying pet insurance

Here are some things to consider about pet insurance with Sainsbury’s Bank that may help:

  • We will pay your vet directly
    We pay 99% of claims in 5 working days^ and can pay your vet directly so you're never out of pocket, letting you focus on looking after your pet
  • We have a range of different insurance options
    You can pick the one that’s right for you and only pay for the cover you need.
  • We can’t cover treatment costs for any pre-existing conditions or illnesses
    Pre-existing conditions and illnesses that occur or show symptoms within 14 days of the policy start date will not be covered.
  • We can't cover the cost of treatment for poisoning or accidents within three days of the policy start date
    If your pet suffers an incident in the first three days after you take out a policy, we unfortunately cannot cover vet bills for treatment.
  • We offer discounts for multiple pets
    Making it both convenient and cheaper if you’ve got a house full of cats, dogs and rabbits.

You can take out a new policy for your pet as soon as they’re eight weeks old. We insure cats until their tenth birthday, most dogs until their eighth birthday (see our FAQs on our website for some breeds we don’t insure) and rabbits until their fifth birthday.

Ready to insure your pet today?

Let’s get the right cover in place for your pet and find a policy that helps you relax. Use the button to get started now.

Frequenty asked questions

Can I get pet insurance before my pet’s surgery?

You can, but if the surgery is considered a pre-existing condition (or related to that condition) you won’t be covered for the costs associated with it. Likewise, if the surgery is something that made the pet uninsurable, you may no longer be able to get cover.

Does pet insurance cover vaccinations?

Unfortunately not. Routine care such as vaccinations and other preventative treatments or worming aren’t covered under policies. If you’re ever in doubt, our policy documents outline everything you need to know about your cover, including any coverage limits.

Can I get immediate cover pet insurance?

We’re sorry, but immediate cover pet insurance isn’t available with Sainsbury’s Bank. It may be worth noting that conditions occurring within the first 14 days of the policy, as well as accidental injury or poisoning in the first three days of the policy, won’t be covered.

Does pet insurance cover a cancer diagnosis?

Most policies will cover cancer diagnoses or longer-term medical illnesses, but they may not be covered if the condition is there before the pet insurance is taken out. However, as with all policies, there are exceptions.

Can I get comprehensive pet insurance?

Lifetime pet insurance can cover your furry friend if they require treatment, with annual cover of up to £10,000, alongside 24/7 vet assistance. It’s our most comprehensive cover and can ease the cost of one-off illnesses and recurring conditions throughout your pet’s life.

To find out more about pet insurance, our full list of FAQs are a great place to start. They’ve got loads of information on everything from making a claim to finding a vet. They’ll help you decide on the cover that’s right for you and your pet and explain how to buy and manage your policy.

Get an answer

Terms and conditions

^ Based on Sainsbury's Bank Pet Insurance claims data from July 2022 to June 2023.

For more information on how we use your data, go to

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

** Based on website data between February 2023 and May 2023

 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.

^^7,000 points offer
1) This offer is only available when you get a quote and buy a new pet insurance policy direct from the Sainsbury’s Bank website. Purchases through price comparison, cashback, voucher code and similar sites are excluded. 
2) 7,000 points will be added to your Nectar account within 60 days of your policy start date, unless your policy is cancelled during this period. If you’ve been offered a different number of points elsewhere, you’ll be awarded whichever is the bigger number 
3) You need to add your Nectar card number and promotional code to your quote. 
4) We've selected this offer for you and it can't be transferred to anyone else. 
5) Points will only be awarded once per Nectar account. 
6) Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available. 
7) This offer is governed by English law and we reserve the right to change or cancel it without notice.

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.