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M&S pet insurance review

Find out if M&S Bank pet insurance gives the right cover for your pet and your pocket.

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M&S Bank Pet Insurance

What's in this review?

  1. Who is M&S Bank?
  2. What are M&S Bank cover options?
  3. What is my excess?
  4. What is the claims process for M&S pet insurance?

M&S Bank offers three levels of pet insurance, meaning you can cover what you need, and leave out what you don’t need. Our review sets out what M&S Bank pet insurance offers so you can decide if it’s right for you.

M&S Bank Pet Insurance

M&S Bank pet insurance

  • 24 hour access to qualified nurses via vetfoneTM
  • Protect your dog or cat from just eight weeks old
  • 5% discount on additional pets
  • Prices increase at renewal as your pet gets older and when a claim is paid, and your excess can increase significantly when your pet turns 9
  • M&S Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc. T&Cs apply.
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Who is M&S Bank?

M&S Bank was originally set up in 1985 as the financial arm of the famous Marks & Spencer brand but is now part of HSBC. M&S Bank prides itself on offering straightforward financial products with great customer service. M&S Bank travel and pet insurance were launched in 2002.

What are M&S Bank cover options?

M&S Bank provides three levels of cover: Essential, Standard and Premier cover. Each has a range of different features and you can select the cover most suitable for you. All policies include the following;

All policies

  • A discount if bought online.
  • Multi-pet discount.
  • Medical advice hotline, 24 hours a day.
  • No fees to change or cancel your policy.
  • Pay in monthly instalments at no extra cost.
  • Extra support including a whole range of services from information about local pet care providers to bereavement support.

Each individual policy has its own set of benefits

M&S Bank Essential

Essential cover is the most basic M&S pet insurance. It allows you to claim, for each new condition, up to a specific limit in vet fees (maximum benefit) or for a maximum claim period of 12 months from the first date of vet treatment. Once you reach either limit, whichever comes first, you will no longer be able to claim for the same condition in the future even if you renew your policy.

Features of this policy include:

  • Cover for vet fees and treatment up to a maximum amount in a 12 month period.
  • Complementary treatment contribution – including hydrotherapy.
  • Third party liability (dogs only).
  • Dental cover for injury only.
  • Cover for death from injury or illness.
  • Advertising and reward for your missing pet.
M&S Bank Standard cover

Standard cover is the mid-tier option, offering slightly better benefits than Essential cover. Standard cover is reinstated annually, as long as you renew with them and they can continue to offer you cover.

Features of this policy include:

  • Cover for vet fees and treatment up to a maximum amount in a 12 month period.
  • Complementary treatment contribution – including hydrotherapy.
  • Third party liability (dogs only).
  • Dental cover for injury and illness.
  • Advertising and reward for your missing pet.
  • Emergency boarding or daily minding.
Premier cover

Premier cover is the most comprehensive pet insurance policy on offer at M&S Bank. It includes higher cover limits than standard cover on a range of other features – you’re also insured if you take your pet abroad. The cover limit will be reinstated annually, as long as your policy is renewed with them each year.

Features of this policy include:

  • Cover for vet fees and treatment up to a maximum amount in a 12 month period
  • Complementary treatment contribution – including hydrotherapy.
  • Food treatment cover.
  • Behavioural disorder cover.
  • Travel expenses.
  • Third party liability (dogs only).
  • Advertising and reward for your missing pet.
  • Emergency boarding or daily minding cover.
  • Pets abroad cover.
  • Holiday cancellation/cutting your trip short cover.

What is my excess?

An excess is the amount of money you are expected to contribute when you make a claim through your insurance.

All of M&S’s policies have an excess for vet fees, but the amount you have to pay will depend on your type of policy you have, as well as how old your pet is. Check your policy documents to find out when and how much excess you have to pay.

What is the claims process for M&S pet insurance?

To make a pet insurance claim at M&S Bank, you will need to contact their claims team on their general claims number which is 0800 980 8750.

If you prefer, you can make a claim online by filling out a Claim Form downloadable from their website. You will need to fill out some information about your claim.

To make a claim, you will need to provide the following information:

  • Policy Number
  • Your full address and contact details
  • Your pet’s name, breed and microchip number
  • Details of the condition/injury
  • Your previous veterinary practices
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