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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

Doubled my pet insurance

I have been with this company since 2019, my cat is now 9 years old and developed thyroid problems. She is now on medication for this condition and I claimed for this my policy only pays £1.000 per condition. It has now doubled this year and now I am paying £33!! For a meagre £1,000 per year, plus!! They have doubled the excess. This is so despicable as they know I am unable to change to another. I intend to appeal but probably won’t get anywhere with them Reviewed on: 11th January 2022

Check the small print

Our pet insurance included a clause where they refund the purchase price if your dog dies before they reach 9 years of age. Sadly this was the case for our rescue dog, but it wasn't applied when we claimed for his final vet visit and other end of life fees. They did pay it when I later claimed separately, but I feel it should have been addressed by the insurers at the time, it's not the easiest thing to pick through small print when you're grieving. Reviewed on: 21st June 2021

DONT TRUST M&S

M&S are certainly not the quality company I remember. Four years ago I took out pet insurance with M&S and have never made a claim until two weeks ago when I submitted a claim for my dog to have a wart removed. Before I took her for her operation I rang M&S customer services to check she was covered and I was assured she was but the excess was £200 which I accepted. The bill was £313 so I expected M&S to pay me £113. WRONG! they paid £80 and when I queried it they said the would not pay the £33 (consultaion fee) because that happened in December and the policy renewed in February. The fact that the policy has been continuous for 4 years and they confirmed the excess was £200 cut no ice and they refused to pay the £33.I am disgusted and will never deal with M&S again Reviewed on: 6th April 2021

Decent price, had issues with the level of cover

My cover is a great price but there's been some issues with mis-advertising Reviewed on: 8th July 2019

incredibly poor customer servie

My card was declined twice.. I contacted M & S to ask what the problem was. They just continue to say there isn't problem and refuse to look into it. Needless to say I'll be closing my account asap. Reviewed on: 1st April 2019

Excellent service from M&S pet insurance

I've spent most of the last 3 weeks being very grateful that I had M&S pet insurance. Sadly I lost my cat, after a 5-day stay in hospital which totalled £5,006. M&S covered the whole bill, and did so through a direct claim, I only had to fill in 1 form and then nothing. They also automatically cancelled my policy when they were informed of the death of my pet, and refunded me so that I only paid the premium up until her death, without my even having to ask. Yes, they are a little more expensive than some, more budget options but I would not hesitate to use them, and am recommending them to anyone looking for pet insurance. The excess was only £50 too, amazingly. Thanks M&S, you made a horrendous time easier. Reviewed on: 18th March 2019

Supportive & understanding following the death of my pet

Rung to tell them my pet had died, were very sympathetic on the phone. Sent me a letter with a cheque for time not used on the policy and offering me the use of a pet counselling phone line free of charge to help with my grief. can't fault them - treated me like a human not just a customer Reviewed on: 12th August 2018

Recomend

Would recommend this insurance, very good. Reviewed on: 10th November 2017

Fine but getting expensive

We've never had to claim yet our monthly charge goes up quite a lot every year Reviewed on: 30th September 2017

Not great

They advised me to claim regarding a particular health condition, rejected the claim then put the premium up. Shan't fall for that again! Reviewed on: 18th July 2017

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