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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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2.63

Based on 33 reviews, last reviewed 1st Mar 2025

No new 5 star reviews

in the past 90 days

50% 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.

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

Review of the M&S Bank - Marks and Spencer, Pet Insurance:

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

Overpriced renewal prices

After 8 years with this insurance group for my dog making no claims I received my renewal.The price was increased by 28% year on year.I contacted the service centre for these reasons and asked it be renewed if they wished to retain buiseness ,after much conversation no movement.I have now moved insurance and have a similar policy for half the price of Marks and spencer.My advice is to shop around as they are not tailoring policy's simply using algorithms to create quotes and make no allowance for claims etc simply focusing on profit. Appauling for this branded company Reviewed on: 19th August 2023

Comprehensive, straightforward, responsive and good value

I’ve used this product for some years and have yet to find one that matches it. Online claims are super fast and straightforward. You can get cheaper but not with the comparatively low excess of this product. And for the final year of her life, despite multiple high claims for severe heart disease, the cost for my cat was actually significantly reduced from previous, which is a first in my experience. Reviewed on: 9th August 2023

Very disappointing Pet Insurance

Poor customer service. I was made to feel like I was making a fraudulent claim when claiming for a genuine condition referred by my vet Reviewed on: 28th July 2023

Great Pet Insurance

I have been using M&S pet insurance for 3 years now...at my last renewal the premium had increased quite a bit so I left M&S. However they contacted me last month too say they had made a mistake in the renewal price and if I wanted to reinstate the policy I could.... my dog had developed a new condition which I Informed them about and they still reinstated the policy and paid the claim.. I cannot fault this company and I will not leave them again. I would recommend to anyone . Reviewed on: 24th May 2023

Do not buy

High premiums, ridiculously high excesses and won’t pay out because cat was treated for a cold virus in the past and that’s lasser as a pre existing condition Reviewed on: 26th April 2023

Easy hassle free experience

My cat has unfortunately developed 3 new conditions within the last year and each time the claims have been processed quickly and efficiently. Members of the team I’ve spoken with on the telephone have been extremely helpful and I can’t fault them. It’s not the cheapest policy at £60 per month but I certainly wouldn’t consider moving! Reviewed on: 31st January 2023

Dire

This has been the worst example of customer service I have ever encountered.Took approximately 6cweeks to get a decision on my very first claim after paying premiums for years.At first said they could not give a decision and that I would need to pay for a dog operation and they would then make a decision.Had to chase them every step of the way to eventually get it sorted. They were awful absolutely useless .No wonder their review ratings are so low not what I expected from Mark's and Spencers.No standards whatsoever just didn't care.Tried complaining but was a waste of time.Wish I could give it less than 1 star as they don't deserve any.Will make a point of telling anyone who needs pet insurance to steer well clear of this incompetent service Reviewed on: 16th January 2023

Do not use

Poor customer service, call handler very unhelpful Reviewed on: 11th November 2022

Helpful team and taking care or our furry friends

I have had this policy for 10 years. My dog has an ongoing condition they have made it easy to claim and are very helpful Reviewed on: 12th August 2022

can't be trusted

I set up pet insurance for our new puppy, when the details came through i noticed they had put the date of birth as 1st April instead of 23rd April. i contacted them only to be told the premium was going up because of this. If they try to rip you off now, imagine how they would be if i made a claim. Luckily i was within the 14 days so cancelled the policy. Reviewed on: 28th July 2022

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