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Tesco Bank: Pet insurance reviews

Name: Pet insurance
Rating: 3.23 (112 reviews)

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2.90

Based on 112 reviews, last reviewed 7th Sep 2025

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

42%

13%

33%

Latest highest rating:

4

Very good service and easy to actually speak to some... Very good service and easy to actually speak to someone which is a rarity in those day and age. The operator was very sympathetic with our situation a... Read more Reviewed on: 5th September 2025

Latest lowest rating:

2

Outrageous increase in premium after making a claim This is not an easy review to write as for six years we had been satisfied with the premiums and the service received. Unfortunately, as with other re... Read more Reviewed on: 2nd May 2025

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About this product

Tesco Insurance offer pet insurance policies to cover dogs and cats.

There’s a choice of cover including lifetime pet insurance, maximum benefit and time limited. If you’re a Clubcard holder you get a guaranteed discount. Tesco Pet Insurance includes vetfone where you can get advice for your pet, whenever you need it.

Tesco pet insurance reviews help you find out what it’s really like to be a customer. If you’ve used Tesco Insurance before, you can also leave a review and share your experience.

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Tesco Bank Pet insurance reviews (112)

Inconsistent

They changed underwriter mid-policy, so claims keep getting lost between old and new one, correspondence went astray several times and had to be chased up. Reviewed on: 7th September 2025

Very good service and easy to actually speak to some...

Very good service and easy to actually speak to someone which is a rarity in those day and age. The operator was very sympathetic with our situation and very quickly made the relevant adjustments in order to pay put the money due. Very good customer service and fair pricing m. Reviewed on: 5th September 2025

Very impressed by their service

Yes my premiums went up the older my dog went. But no more than any other pet insurance. I opted for a higher excess , knowing I would pay small bills myself, but needing cover for anything that could be serious and expensive. When he was ill I paid the full bill to the vets, I wasn't sure how tm make a claim but I spoke to an actual human being who talked me through the portal. I was convinced they'd find something in the small print so as not to pay what they should. BUT definitely not the case, it was reviewed and refunded exactly right. Sadly my dog has just died, very suddenly. Again I spoke to a real person, think his name was Andy. He was genuinely empathetic , cancelled my policy straight away and even refunded part of this month's premium. Within three days my claim for cremation costs were accepted and a refund is on its way. I've even had a condolence card from them. I've always been suspicious of insurance companies, so many bad things you hear about them that I'm happy to give Tesco's this completely genuine review. Definitely recommend. Reviewed on: 18th July 2025

Outrageous increase in premium after making a claim

This is not an easy review to write as for six years we had been satisfied with the premiums and the service received. Unfortunately, as with other recent reviews, Tescos insurance quote for our cat has rocketed. Last year it was £389 and the renewal quote (changing their underwriter from RSA to Pinnacle) from 4 May is £931. In a letter rejecting our complaint they said ”There is no limit to the amount of increase and if you have claimed your premium could more than double”. We did make a claim for just over 25% of the policy limit of £4000 per condition. We had expected an increase in premium but also expected Tesco’s to pay for ongoing medication. THowever, to us the size of the increase is the equivalent of constructive dismissal in employment terms and we have had to reluctantly discontinue the policy. Reviewed on: 2nd May 2025

Tescos changed policy provider from royal and sun al...

Tescos changed policy provider from royal and sun alliance to pinnacle and sent a letter saying everything would carry on as usual. The only difference was the premium for my dog was £27.43 in feb then £64.86 in march with the new provider. What a shower of scammers, and how would Tescos put their name to it. A complete disgrace. Reviewed on: 21st March 2025

Avoid Tesco Pet Insurance at All Costs

Tesco Pet Insurance starts at a reasonable rate to entice you, and soon enough the rates will creep at a steep rate. Expect to pay over 10x the original rate withing a few years of having the policy with them. In terms of their customer service, get ready to wait for over an hour for someone to help you with your questions. That is if the call doesn't get disconnected before that. Reviewed on: 26th February 2025

This company is awful to deal with as soon as you ma...

This company is awful to deal with as soon as you make a claim. They have lied several times, staff are rude and incompetent. Reviewed on: 21st February 2025

Definitely don’t get their pet insurance.

Definitely don’t get their pet insurance. Just had my renewal through and it’s jumped from £74/month to £140/month for a 5 year old dog with no claims over the last 12months. She’s a small to medium crossbreed so isn’t in the senior age bracket, she’s not been diagnosed with any new conditions over the past 12months and none of our other details have changed. Her premium has jumped from £899 to over £1600! I rang them to ask them to give me the breakdown of how they have calculated such an increase and apparently they don’t do that, it just is what it is. So seems like it’s just a figure plucked out of thin air! Definitely won’t be continuing our policy. Have logged a complaint and will then go to the FOS to see if they can reason that it’s a fair and justified increase. Reviewed on: 1st February 2025

No Loyalty for staying with Tesco, just higher prices

Have never made a claim on either of my policies, however, the renewal price on both policies has jumped 62% on each policy! I accept that cost do rise every year, (exactly what all the others say as well!) but when its as high as it is, +£200 on each policy, then £200 excess and 20% dual payment on the rest of the bill, I'm wondering if its worth it! It seems if you change your insurance company each year you get the £200 rise off your new policy. It pays to shop around now and not stay loyal. Reviewed on: 23rd January 2025

Awful. Avoid.

Awful. Started off great 5 years ago, but all of a sudden they have increases my monthly premiums by over double following a small claim. When I queried this they said it's in the small print they can make changes to the policy at will. As I worked in pet insurance for 18 years I had asked many questions before commencing the policy but apparently the information they gave me 5 years ago no longer stands due to them changing their underwriter - it appears they are at liberty to change anything they wish, including the policy information I signed up to! Reviewed on: 11th January 2025

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