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Tesco Bank: Pet Insurance reviews

Name: Pet Insurance
Rating: 3.21 (109 reviews)

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2.78

Based on 109 reviews, last reviewed 2nd May 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

42%

13%

34%

Latest highest rating:

4

Lovely Complaints department employees Had insurance turned down because of a ‘ lost in translation’ moment…. via owner— to vets —to insurers. customer service when I complained and disput... Read more Reviewed on: 2nd January 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

When choosing the right insurance policy, navigating the sea of providers on the market can be a challenging task. At Smart Money People, we want to simplify this process for you. We gather Tesco Bank pet insurance reviews, to provide you with valuable insights into the provider.

Tesco Bank is underwritten by Royal & Sun Alliance Insurance Ltd to provide pet insurance for cats and dogs. There are four cover levels to choose from: Accident & injury, Standard, Extra and Premier. Tesco Bank also offers discounts on insurance policies for Clubcard members.

If you're considering Tesco Bank as your next pet insurance provider, explore the reviews available on Smart Money People. Discover what level of cover policyholders chose and whether they were satisfied with their choice. Learn about the provider’s customer service and claims process through the firsthand experiences shared in our Tesco Bank pet insurance reviews.

Have you ever held a pet insurance policy with Tesco Bank? Share your honest experiences with our Smart Money People community. Why did you choose Tesco Bank, and has the provider met your expectations? Has the policy suitably covered all of your pet's needs? Share any interactions you've had with the customer service team or claims process. Would you consider renewing your policy? Whether good or bad, write a Tesco Bank pet insurance review today.

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Tesco Bank Pet Insurance reviews (109)

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

Lovely Complaints department employees

Had insurance turned down because of a ‘ lost in translation’ moment…. via owner— to vets —to insurers. customer service when I complained and disputed this was nothing short of exceptional. Lovely very understanding people , it was a pleasure to chat to . I had decided I would write this review no matter what the outcome. Thank you Tesco insurers , your insurance employees were a joy to deal with. Reviewed on: 2nd January 2025

Excellant service from Tesco pet insurance.

Excellant service from Tesco pet insurance. My claim was settled in full in 1 week very impressed.Thank you. Reviewed on: 4th December 2024

Won't pay up.

Just been advised that Tesco Pet Insurance are refusing to pay for dental checks and clean for our dog because the vet made reference to her teeth having mild to moderate calculus two and half years ago. He also said at the time no action needed other than continue brushing and cleaning routine. It so happens that this healthcheck which was actually for annual boosters was 11 days after us taking the policy out. This policy was taken out on the 1st March 2022 as that was when the previous policy lapsed. The 11th March appointment was already booked for annual boosters not for any other health concerns. Roll on 2 and half years and multiple 6 monthly health checks, on the last health check the vet advised that she would benefit having a scale and clean and x-rays because her teeth never look that clean and they wanted to rule out any underlying issue. I phoned Tesco Pet Insurance and was told this would be covered as long as she'd had regular health checks which she had. It turns out she has some rare condition that blackens the enamel and actually her teeth and gums are still strong with little tartar build up, no further treatment required other than usually routine. Tesco have refused to pay the claim for the x-rays and clean because the vet happened to reference teeth (but advised no action required) on the 11th March within 14 days of us taken out the policy. This is absolutely criminal and defeats the object of having pet insurance. This one decision has potential to cost us an absolute fortune in the future because other insurers won't take on what they perceive to be a pre-existing condition or if they do the premiums will be extortionate. It's no wonder owners have to get rid of their pets and put them into shelters, Tesco the premiums I've paid you to date more than cover this bill. I will be taking this one as far as I can, because as responsible dog owners we have done everything by the book and followed our vets advice throughout! Reviewed on: 26th September 2024

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