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Sainsburys Bank: Pet Insurance reviews

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2.49
Based on 27 reviews, last reviewed 10th Jan 2026
100% decrease in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
26%
See only 4 star reviews
7%
See only 3 star reviews
4%
See only 2 star reviews
15%
See only 1 star reviews
48%

Latest highest rating:

5

Had a few issues with previous companies when insuri... Had a few issues with previous companies when insuring my beloved Collie - not so with Sainsbury's!! Reviewed on: 7th September 2025
Marc's avatar
Marc

Latest lowest rating:

1

AVOID AT ALL COSTS SCAMMERS Absolute joke of a firm paid insurance for 2 dogs with these scammers. Put in a claim declined it straightaway no explanation asked for a review point... Read more Reviewed on: 10th January 2026
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Julie M
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About this product

Before taking out a new pet insurance policy, read customer reviews for the provider to be confident in your decision. We collect Sainsbury’s Bank pet insurance reviews to give you valuable insight into life as a policyholder.

Sainsbury’s Bank offers pet insurance policies for dogs, cats and rabbits, with a multi-pet discount available. Choose from three types of policy with flexible cover options. All policies benefit from 24/7 vet support. Nectar members can receive a discount on the price of their premium.

If Sainsbury’s Bank sounds like the right provider for you, learn more by reading the reviews on Smart Money People. Find out how satisfied policyholders have been with their policies. Learn if they would renew their cover and recommend the provider to family and friends. Find out more about the claims process. Read all of this and more in our Sainsbury’s Bank pet insurance reviews.

We want to use the power of reviews to help people make better choices. If you’ve had a pet insurance policy with Sainsbury’s Bank, write an honest review to help others just like you. Tell us what animal you insured and which policy you chose. Have you been satisfied with the level of cover? Would you renew your policy with Sainsbury’s Bank? If you’re a Nectar member, were you happy with the discount you received? Whether good or bad, write a Sainsbury’s Bank pet insurance review today.

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Sainsburys Bank Pet Insurance reviews (27)

Change the scope once insurance cost agreed

1
Set up a new policy with agreements on coverage. They then changed the scope a month into the policy. Avoid! Reviewed on: 23rd August 2023
stepotts's avatar
stepotts

AVOID SAINSBURY PET INSURANCE

1
The worse pet insurance company I have… The worse pet insurance company I have had to deal with, no customer service at all, every claim submitted was declined even on a lifetime cover. They will happily take your money every month but won’t pay a penny back when you need the cover for your pet. AVOID SAINSBURY PET INSUARANCE DO NOT WASTE YOUR MONEY Reviewed on: 28th July 2023
Priantha Athukorala's avatar
Priantha Athukorala

Very happy

5
My dog has a couple of ongoing issues and I have had to claim quite a few times, I have always had a prompt response and I am more than happy with the service I receive. Reviewed on: 12th July 2023
Lesley Prince 's avatar
Lesley Prince

Waited over 3 weeks for a £60 claim

1
Terrible insurance, made the claim, and they kept asking more and more questions, it took over 3 weeks and numerous over the top questions before they paid £60 for my dogs treatment. If this is what they are like for £60 I dread to think what they would be like for a larger claim. Funny they don't ask so many questions when they are taking my money from me/ I have cancelled my policy and will be going elsewhere. Reviewed on: 6th July 2023
Lee Angus's avatar
Lee Angus

They were good, but something has changed and I wouldn't recommend

2
I first took out the Sainsburys Pet insurance as I had heard good things about their claim department and their online portal as well as having a Nectar Card which helps! First year was good, although I was a bit disappointed about a procedure that the vet decided to take being excluded from the claim even though I was told it was necessary prior to an operation. Claim was processed quickly and easily. On renewal however, I was stunned with the increase (expected I suppose due to a prior claim) but more so that this was a Lifetime policy and my understanding of this type of policy, given the additional cost, is that any condition that occurs during the policy will be covered for the lifetime of the pet. Not so with Sainsburys, so I cancelled and moved to Healthy Pets who have been excellent in the past but came in more expensive. But, you get what you pay for. Reviewed on: 29th March 2023
Tim Chalklen's avatar
Tim Chalklen

Do not use

1
Absolutely awful Reviewed on: 11th May 2022
Chris Briggs's avatar
Chris Briggs

The WORST pet insurance!

1
not any claim paid ,no recommended. Reviewed on: 22nd March 2022
kris's avatar
kris

Solid pet insurance with improving tech

4
Overall the price is fair for our French bulldog who has a lot of skin/allergy conditions. Pays out on the conditions we've claimed for without any issues. If there have been delays with the claim then usually it's Sainsburys not getting a response from the vet. I'll admit, when I first started with them over a year and a half ago, their systems were pretty awful - keeping track of claims, making new claims etc was all super painful and laborious. They have improved their systems a lot in this time though - making new claims, keeping track of previous claims, communication on the status of outstanding claims etc is all way easier, and it's improved the service immensely. To the product team at Sainsburys - keep it up! You're moving in the right direction! Reviewed on: 29th November 2021
James Riall's avatar
James Riall

The WORST pet insurance!

1
The WORST pet insurance! We had a kitten insured with this so-called insurance. A KITTEN! And when a kitten got sick the insurance didn’t want to pay any vet bills – NONE! They said that it’s a pre-existing condition! A KITTEN! Our lovely vets tried for months to contact this Sainsbury’s Pet insurance and no joy. Eventually, we had a £900 bill from the vets to pay. Of course, we cancelled this useless insurance immediately! All they are interested in is taking your money. We made an official complaint but no one cared. Reviewed on: 20th August 2021
Angela's avatar
Angela

Appalling service

1
Absolutely dreadful. They don't fulfil any of the terms of the contract. Don't confirm receipt of claims, do their utmost to avoid paying out, when you chase them up you get a different story every time you ring. Very quick to exclude all conditions. Take a long time to give a decision. Rarely put anything in writing, Load premiums a lot as your pet gets older. Cancelled my policy after 11 years paying. Reviewed on: 13th June 2021
Jackie Hilton's avatar
Jackie Hilton

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