Can Tesco Bank pet insurance provide the right level of cover for your pet?
Some people might not think pet insurance is necessary, but if you’ve been stuck with huge vet bills before, you’ll know how important it is. If your pet unexpectedly gains an injury or becomes ill, pet insurance will provide you with financial support and peace of mind.
Tesco Bank offer 4 levels of pet insurance for your cat or dog, with many optional extras so you can get the level of cover that suits you and your furry friend.
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Who are Tesco Bank?
Tesco Bank was founded in 1997 and was originally named Tesco Personal Finance. It came about as a joint venture between Tesco plc and the Royal Bank of Scotland plc. But, in 2008 Tesco bought out the Royal Bank of Scotland and introduced the new name: Tesco Bank. Tesco Bank is now wholly owned by Tesco plc.
Tesco Bank now offer a range of retail banking and insurance products, aiming to meet the needs of Tesco customers.
What are Tesco Bank’s cover options?
Tesco Bank have a range of levels of cover for your pet, from standard to premier cover. Each has a variety of different features so you can find the one most suitable for you.
Accident and injury cover gives you basic cover if your cat or dog is hurt in an accident.
Features of this policy include:
- Covers vet fees for accidents
- Cover for treatment by a referral vet
- Protection for puppies and kittens at least 8 weeks old
- 24 hour access to a UK helpline called vetfone
- Regular news and content to help you look after your pet
- Dental cover (if it results from an accident)
Unlike the accident and injury cover, standard cover includes cover for illnesses your pet may develop.
Features of this policy include:
- Covers vet fees for accidents or illnesses
- Lost pet cover
- Cover for treatment by a referral vet
- Protection for puppies and kittens at least 8 weeks old
- 24 hour access to a UK helpline called vetfone
- Regular news and content to help you look after your pet
- Dental cover (if it results from an accident)
Tesco Bank’s extra cover gives your pet slightly more protection if something unexpected happens.
Features of this policy include:
- Covers vet fees for illness or injury
- Lost pet cover
- Cover for treatment by a referral vet
- Protection for puppies and kittens at least 8 weeks old
- 24 hour access to a UK helpline called vetfone
- Regular news and content to help you look after your pet
- Dental cover (if it results from an accident)
- Extra range of features to make sure your pet is protected (please see policy documents for more information)
Premium cover is the highest level of cover offered by Tesco Bank. Premium cover offers lifetime cover for your cat or dog.
Features of this policy include:
- Covers vet fees for illness or injury (for one off or on-going conditions with no treatment time limit)
- Lost pet cover
- Cover for treatment by a referral vet
- Protection for puppies and kittens at least 8 weeks old
- 24 hour access to a UK helpline called vetfone
- Regular news and content to help you look after your pet
- Dental cover for illness and accidents
What’s covered under my policy?
Tesco Bank’s cover options provide protection for your pets against certain risks. The cover you have depends on the policy you have decided to go with. See below the features and benefits included in each level of cover. The limits applied to each of these benefits are described in detail in the policy documents.
| Benefits | Accident and Injury | Standard | Extra | Premier |
|---|---|---|---|---|
| Veterinary fees | ✓ | ✓ | ✓ | ✓ |
| Helpline vetfone | ✓ | ✓ | ✓ | ✓ |
| Accidents and injuries cover | ✓ | ✓ | ✓ | ✓ |
| Illness cover | ✓ | ✓ | ✓ | |
| Death of pet | ✓ | ✓ | ✓ | |
| Cover for cost of pet if dies from illness | ✓ | ✓ | ✓ | |
| Advertising if pet goes missing | ✓ | ✓ | ✓ | |
| Missing pet reward | ✓ | ✓ | ✓ | |
| Cover if pet is missing and not found | ✓ | ✓ | ✓ | |
| Help if you are unwell | ✓ | ✓ | ✓ | |
| Cancellation or cutting short your holiday | ✓ | ✓ | ✓ | |
| Third party liability (dogs only) | ✓ | ✓ | ✓ | ✓ |
| Pet travel cover | ✓ | ✓ | ✓ | |
| Vet fees in countries that are members of PETS Travel Scheme | ✓ | ✓ | ✓ | |
| Time you can be on a journey | ✓ | ✓ | ✓ | |
| Emergency expenses abroad | ✓ | ✓ | ✓ |
What is my excess?
An excess is the amount of money you contribute to the cost of your pet’s treatment for each injury or illness that isn’t related to any other injuries or illnesses your pet has been treated for during the same period of insurance.
The amount of your excess will depend on the level of cover you have and the nature of your claim. Your excess will be shown in your policy schedule.
For Accident and Injury cover, Standard and Extra cover, you will pay excess for each claim for each different illness or accident.
For Premier cover, you will pay excess for each claim for each different illness or accident in each policy period.
What is the claims process for Tesco Bank Pet Insurance?
If you would like to make a claim with Tesco Bank Pet Insurance, there are multiple ways for you to do this.
If you would like If you claim is new or existing, you can call 03450783860.
There is also a Tesco Vet Referral Helpline which you can call on 03301006460.
You can also fill out a form online and send by email or print the form and complete it. The form can be found on their website.
If you choose to send it via email, you can send the form to tesco.petclaims@uk.rsagroup.com.
If you choose to complete it by hand, you can post the form to Tesco Pet Insurance, Freepost RSJG-ZJTB-GAGH, PO Box 1363, Peterborough, PE2 2QZ.
You can also send claims by fax to 01403325323.
How much will this cost me?
There are a number of factors that can affect the cost of your Scratch and Patch pet insurance premium, including:
- The level of cover you choose. A standard, extra and premium policy offer more features and broader cover than an accident and injury Tesco Bank pet insurance policy, and this is reflected in its price.
- How many pets you would like to insure. You can insure multiple pets with Tesco Bank and the price will be different if you choose this option.