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 assure we’re there to take the financial strain out of a stressful situation.
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
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.
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.
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.
* 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 sainsburysbank.co.uk/nectar.
** Based on website data between October 2023 and December 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.
Δ 10% of consumers could achieve this saving in their first year with Lifetime £5,000 Pet Insurance. Based on online independent research by Consumer Intelligence. July 2023 to September 2023.
^ Based on Sainsbury's Bank Pet Insurance claims data from July 2022 to June 2023
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.
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