* 10% of customers could save this much in their first year with Lifetime £5,000 Pet Insurance. Based on independent research by Consumer Intelligence January 2025 – March 2025
Choose Your Reward
Choose one of our great rewards below, at no extra cost, when you purchase a Sainsburys Bank Pet Insurance policy.
∆T&Cs apply.
£35 Nectar Points
Choose 7,000 Nectar points, worth at least £35.
Use code: PICKNECTAR
≠T&Cs apply. Nectar customers only.
£35 Pet Hamper
Choose a Pet Hamper with treats for your dog, cat or rabbit. Worth up to £35.
Use code: PICKHAMPER
^^T&Cs apply. Contents may vary.
£35 Sainsbury’s eGift Card
Choose a £35 eGift card to spend in store or online at Sainsburys.co.uk.
Use code: PICKVOUCHER
++T&Cs apply.
Why choose Sainsbury’s Bank Pet Insurance?
We take the stress out of making sure your furry friends are taken care of as we pay 98% of claims in 5 working days ^ and can pay your vet directly. Our range of pet insurance products help you to rest easy, knowing the ones you love most are protected with these benefits:
5 star rated cover
Our cover over £4,000 is Defaqto 5* expert rated.
Choose your reward
Choose between a pet hamper, Nectar points or a Sainsbury's voucher. T&Cs apply ∆.
Discount for Nectar members *
Multi-pet discount
We'll give you a £1 discount per pet, per month on our multi-pet policies.
Flexible Insurance options
Choose from three types of pet insurance - with vet fee cover up to £10,000.
Vet Assistance, day or night
Unlimited 24/7 Vet Assistance, giving you access to qualified, UK-based vet nurses.
What is pet insurance?
Pet insurance is a form of insurance that can help to cover the cost of vet treatments for illness or injury. Pets can get into all sorts of scrapes and suffer from sudden illnesses, causing vet bills to quickly add up. Our pet insurance can help make these costs more manageable, covering your pet in the event of accidents, illnesses, thefts or straying.
What does pet insurance cover?
Sainsbury’s Bank Pet Insurance can cover vet bills up to £10,000 and death from an accident or illness up to £2,000, depending on which policy you choose. Our policies cover your pet for overseas vet fees, quarantine costs and more while you’re away. We can also help provide the means to get your missing pets back safely if they’re stolen or stray.
In addition, have a dedicated 24/7 Vet Assistance helpline, to offer expert support when you need it most.
What type of pet insurance is best for me?
Lifetime
A lifetime sounds like a long time, but the years can pass by quickly with those you love. This comprehensive cover provides protection for your pets at home and abroad, so you can make the most of your time together. With multi-pet cover, vet assistance day or night, and up to £10,000 towards vet costs.
Time limited
Finding the cash to cover unexpected vet bills and treatment expenses isn’t easy. But, even if your canine companion or feline friend finds themselves in trouble, time limited pet insurance can help to cover vet fees for short-term health issues, to help ensure you’re not caught out.
Maximum benefit
Pets are playful and accidents can happen, and even the bounciest companion might have a sick day. In moments like these, maximum benefit cover can give you a helping hand. Claim vet fees during the lifetime of your policy (up to the policy limit), alongside 24/7 advice, so you’re never left feeling unsure.
Multi-pet
Arranging separate pet insurance for your pets can take lots of time and effort. We’ve made it easy. Set tails wagging by insuring all your pets in one place. With discounts per pet and all your policies in one place, it’s a treat all around.
What isn’t covered by Sainsbury's Bank Pet Insurance?
That’s a lot of cover for your companion, but there are exceptions, such as:
• Costs over the policy limit
• Pre-existing health issues
• Grooming or cosmetic treatments
• Worming, vaccinations or other routine care
We’re always happy to discuss you and your pets’ personal circumstances. Get in touch with us and let’s chat about how we can find the right cover for you.
When can I take out a policy?
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 and rabbits until their fifth birthday. But don’t worry, if you’ve already insured your pet with us before these milestones, cover can continue as they grow older.
Are there any pets that aren’t covered?
Unfortunately, there are certain dog breeds that we aren’t able to cover, and some we can’t insure under our £10,000 Lifetime Cover.
Policies are restricted to cats, dogs and rabbits at the moment.
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.
Dog insurance
Find cover for your cute canine and enjoy worry-free walkies today.
Cat insurance
Start purring at our cat insurance cover for your feline friend.
Rabbit insurance
Hop on over to find pet insurance for your cotton-tailed chum.
What do you need to get a pet insurance quote?
You’ll need to provide some personal details to get a pet insurance quote:
Pet details
• Name
• Breed
• Age
• Gender
• The price you paid
• Spay or neuter status
Your details
• Name
• Date of birth
• Address
• Email address
• Phone number
• When you’d like to start your policy
Multi-pet insurance
Keep the pack protected with discounted cover for cats, dogs and rabbits.
Lifetime pet insurance
Ensure your pets enjoy each day to its fullest, with pet insurance for life.
Maximum benefit pet insurance
Cover with no time limit. For cats and dogs only
How we compare
See how Sainsbury’s Bank lifetime cover compares with other Pet Insurance providers (correct as of 27 January 2025).
| Feature: | Sainsbury's Bank | Pet Plan |
|---|---|---|
| Cover level options | £2,500, £5,000, £7,500, £10,000 | £4,000, £7,000, £12,000 |
| Vet fees covered |  |
|
| 24/7 vet assistance | |
|
| Dental cover | |
|
| Immediate cover when changing provider ◊ | |
 |
| Claims performance | 98% of claims paid in 5 business days ^ | Pay 90% of claims in 5 working days |
Did you know? There is no gap in cover when you switch to Sainsbury’s Bank from another Pet provider, meaning your pet is covered from the moment you join. Terms and conditions apply ◊
Our pet insurance reviews
Browse all guides
Tips and advice for pet owners
Health and wellbeing
Find out how to keep your pet healthy and happy
Pet insurance glossary
Cut through the jargon and understand your cover
Pet insurance FAQs
You'll find answers for all your most common questions below. If you can't find what you're looking for take a look at our pet insurance FAQs support page for all other queries.
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?
If you are switching from another pet insurance company, providing that there is no gap in cover, there will be no exclusion period for claims and your pet will be covered from your policy start date. However, all other policies purchased will have a 14 day exclusion period for conditions and a 3 day exclusion period for accidental injury or poisoning from the policy start date.
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.
Do Sainsbury’s Bank pay the vet directly for pet insurance claims?
Whether you pay upfront for treatments will depend on your vet’s policy. Some vets allow insurance companies to pay them directly, others ask the customer to pay upfront and claim the expense back themselves. Make sure you keep all documentation and receipts from your vet, just in case.
You can make a vet fees claim online via the My Pet Portal. Log in to My Pet Portal and go to the 'Claims' page. Complete the online form, including details of your pet's condition, the vet's details and who we're paying for treatment.
Once your claim is submitted, we'll contact the treating vet for further details and process your claim. It would be helpful to let your vet know that they should receive an email from us to complete their part of your claim.
How do I make a claim on my Sainsbury’s Bank pet insurance?
If you need to make a claim on your pet insurance you’ll need to fill out a claims form. These can be found on the My Pet Portal. If you don't have access to My Pet Portal, call 0344 543 1032 and a member of the team will post you the claim form you need.
What is the excess on Sainsbury’s Bank pet insurance?
An excess is a contribution you make to every claim.
- For maximum benefit and time limited policies, this is payable per condition
- For lifetime policies, this is payable per condition, per year
You can find out how much your excess is on the homepage of My Pet Portal or on your Certificate of Insurance.
Can I cancel my Sainsbury’s Bank pet insurance?
We're sorry you want to cancel your policy, we can help you with this in My Pet Portal.
Log in and go to the 'Need help?' page, select the policy you want to cancel and choose 'Cancellation' from the dropdown menu. By confirming your reason for cancellation, we can help you from there.
Terms and conditions
For more information on how we use your data, go to sainsburysbank.co.uk/privacy.
** Based on website data between April 2024 and June 2024.
* 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. October 2024 to December 2024.
^ Based on Sainsburys Bank Pet Insurance claims data from February 2024 to March 2025.
> 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.
† 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.
◊ This only applies to customers switching to Sainsbury’s Bank Pet Insurance from another provider. You must have continuous cover with no gaps between your existing policy and new policy starting. If you do need to make a claim within the initial exclusion period, you will have to provide evidence of your previous policy. We will not cover any pre-existing medical conditions or anything you have already claimed for with your previous insurers.
∆ Choose Your Reward
1) This Promotion is only available when you get a quote and buy a new pet insurance policy direct from the Sainsbury’s Bank and enter the relevant promo code for the chosen reward, as set out below.
2) Purchases through price comparison, cashback and similar sites are excluded.
3) You are entitled to select only 1 of the following rewards with each new Pet Insurance policy purchased. No cash alternative is available and the offer can’t be transferred to anyone else.
4) Promoter is Sainsbury’s Bank.
5) This offer is governed by English law. We reserve the right to change or cancel the Promotion without notice, but this won’t impact any rewards for policies already taken out at that time.
≠ Nectar Points reward:
1) This offer is only available when you get a quote and buy a new pet insurance policy direct from the Sainsbury’s Bank using promo code: PICKNECTAR
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.
3) You need to add your Nectar card number and promotional code PICKNECTAR to your quote.
4) Points will only be awarded once per Nectar account.
5) Sainsbury's Supermarkets Ltd award the points from this offer.
^^ Pet Hamper reward:
1) This offer is only available when you get a quote and buy a new pet insurance policy direct from the Sainsbury’s Bank using promo code: PICKHAMPER
2) All items included in the welcome hamper are subject to availability but will be at least the same value (£35).
3) If you purchase a multi-pet insurance policy, you are entitled to receive a hamper for each pet covered on the policy.
4) The policy must be active at the time of dispatch.
5) We will send you an email three months after your policy start date with instructions on how to redeem the welcome box from the Pet Hamper site https://pethamper.co.uk/sainsburys-bank-pet-insurance/. You will be required to enter your name and postal address on their website so they can dispatch the hamper(s). Pet Hamper will process your data in accordance with their privacy policy and Pinnacle Pet Group process your data in accordance with their privacy policy.
6) The hamper will be sent to you by Pet Hamper, Unit 3, Clifton Fields, Lytham Road, Preston to the policy address.
7) In the event of any questions or complaint relating to the contents of the welcome box please address them to Pet Hamper directly at info@pethamper.co.uk.
++ £35 eGift Card reward:
1) This offer is only available when you get a quote and buy a new pet insurance policy from Sainsbury’s Bank and using promo code: PICKVOUCHER
2) A £35 Sainsbury’s eGift card will be emailed to you once your policy has been in force for 90 days. The eGift card will be issued within 60 days of this condition being met.
3) A gift card will not be issued if the policy is cancelled within the first 90 days.
4) Sainsbury’s Bank will award the Sainsbury’s eGift card. A valid email address must be supplied when purchasing the Pet Insurance policy to enable the card to be issued.
5) The Sainsbury’s e-Gift card is valid for 2 years from issue. Please note the Sainsbury’s eGift card will be subject to further T&Cs, which can be found at: https://help.sainsburys.co.uk/help/terms-and-conditions/giftcardtcs
7) The Sainsbury’s e-Gift card will only be awarded once to each customer.
Sainsbury's Bank plc, Registered Office, 33 Charterhouse Street, London, EC1M 6HA (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 Ltd 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: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH. Sainsbury’s Bank Pet Insurance is arranged, administered and underwritten by Pinnacle Insurance Ltd. Sainsbury's Bank plc and Pinnacle Insurance Ltd are not part of the same corporate group.
We do not provide personal recommendations to customers.