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M&S Bank - Marks and Spencer: Pet Insurance reviews

Name: Pet Insurance
Rating: 2.97 (33 reviews)

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2.65

Based on 33 reviews, last reviewed 1st Mar 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

43%

42%

Latest highest rating:

5

Happy with my pet insurance policy M&S were the only ones who don't charge a percentage of vets' fees on top of the excess. It's a great insurance policy but it does go up steeply each ... Read more Reviewed on: 4th September 2024

Latest lowest rating:

1

Beware do not buy this insurance its a big con We purchased marks and Spencer pet insurance back in 2017 we first paid around 40 pound a month then it went up to 56 pounds a month we tried to claim... Read more Reviewed on: 1st March 2025

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About this product

Be confident in your new insurance provider by checking customer reviews. Our Marks & Spencer pet insurance reviews can give you valuable insight into life as an M&S policyholder.

Marks & Spencer is underwritten by Royal & Sun Alliance Insurance Ltd to offer pet insurance for cats and dogs. Choose between a Lifetime policy or a Time limited policy, with four flexible levels of cover with both. All M&S policyholders can benefit from a 24/7 vet helpline. With a range of options to choose from, it can be helpful to take other people’s experiences into account.

Read our M&S pet insurance reviews to learn more about the provider and its policies. Find out why customers chose Marks & Spencer to insure their pets and whether they are satisfied with their decision. Learn what animals policyholders have insured and which level of cover they chose. Find out if customers would renew their policies with the provider. All of this and more in our Marks & Spencer pet insurance reviews.

Have you had a pet insurance policy with M&S? Share your experience with our Smart Money People community by writing an M&S pet insurance review. Tell us what animal you’ve insured and which level of cover you chose. Have you been satisfied with the level of cover you have received for the price of your premium? Share any benefits you’ve found of being an M&S policyholder, as well as any negatives you may have experienced. Would you renew your policy? Write a Marks & Spencer pet insurance review today.

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M&S Bank - Marks and Spencer Pet Insurance reviews (33)

Beware do not buy this insurance its a big con

We purchased marks and Spencer pet insurance back in 2017 we first paid around 40 pound a month then it went up to 56 pounds a month we tried to claim for our dogs teeth which have to be taken out we were first told we aren't insured for age related but now have been told not insured at all we have paid around 6000 over the years keep well away they are a big con put money in bank monthly instead beware Reviewed on: 1st March 2025

Immoral price increases at review.

They have no qualms whatsoever in making their pet insurance prohibitively expensive at renewal by doubling the premium. This forces many pet owners like myself to cancel the insurance on the grounds of affordability and leaves an elderly pet without the treatment they have become dependent upon. This is in my opinion the height of animal cruelty and it is not treating vulnerable customers fairly either. If they are so concerned about a specific condition then this should be excluded from inception. Reviewed on: 13th December 2024

Wish I had stayed with Tesco

Refused to pay for a claim as they alleged the condition was pre existing, when it is not possible to actually prove this was the case. Reviewed on: 6th November 2024

Ridiculous price increase !

Have had our jackchi insured with m&s for a year she is in good health and haven't made any claims she isn't 2 years old until March 2025. The renewal quote arrived today and it's gone up by £64.74 will I be renewing , NO I WON'T expected a small increase but not as large as the one I received. If they can increase it by £64.74 when she is not even 2 years old then I would dread to see what the price would be by the time she reached 10 years old. Reviewed on: 5th November 2024

Happy with my pet insurance policy

M&S were the only ones who don't charge a percentage of vets' fees on top of the excess. It's a great insurance policy but it does go up steeply each year. That said I have been with them for several years now. They are very friendly and easy to deal with. Reviewed on: 4th September 2024

Great experience with claimjng o.

Great experience with claimjng o. Pet insurance - easy online tool and quick settlements. No ptoblems at all Reviewed on: 4th September 2024

quick and caring !

Very good ,medical care quick and caring ! Reviewed on: 23rd August 2024

Had an amazing experience with M&S Pet Insurance.

Had an amazing experience with M&S Pet Insurance. I’ve used the advice line a couple of times, which has been very useful. Claiming for treatment is simple, just scan and upload receipts and in my case payments were made same day. Really great service. Reviewed on: 30th January 2024

Worthless rip off Used buried 'terms and conditions' to refuse claim

Rip off. Refused claim for dental work as in buried terms and conditions says its not covered unless your cat has had its teeth checked within 12 months. I mean who can afford to take pet for annual teeth check. I can only presume the use that clause to not pay out for various other emergencies. Rip off and rubbish Reviewed on: 7th September 2023

Fraudulent?

We have paid a monthly premium for the past 8 years, never made a claim. Our dog has an acute dental issue and MnS refuse to cover. Why do I believe this is fraudulent? I'll explain. They declined based on an entry in 2019 that referred to plaque. No detail stating Dental Work to be carried out, and the conversation was advice to try and prevent plaque getting worse. Go to now and he has infection and they refer back to an entry from 2019. Now, here's the issue. In 2019 Covid 19 hit and even if dental work had been advised, which it didn't, then vets were only undertaking Emergency treatment and hence no routine appointments. Yet MnS took full premium throughout Covid 19 knowing that part of the premium was to cover dental and it wasn't available. How can a company charge for something that globally isn't available? I find this disgraceful and this will be the case for thousands of pet owners. Avoid MnS, they are no better than a thief on the street. I will be seeking legal advice, we know have a 9 year old dog in acute pain and who needs urgent help and they won't cover him. Subsequent to this he will need ongoing vets appointments for infection and jaw deterioration, and possible sepsis and organ failure, all of which will require claims to be made. So quality of life will disappear altogether because he cannot eat, and they have basically given him a death sentence. Disgusting, please check your policy and also ensure your vets does accurate case notes because they are often vague and inaccurate. Interestingly the vets still want the business, funny that.!! Reviewed on: 6th September 2023

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