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Tesco Bank: Pet insurance reviews

Name: Pet insurance
Rating: 3.23 (110 reviews)

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2.91

Based on 110 reviews, last reviewed 18th Jul 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%

34%

Latest highest rating:

5

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 bill... Read more Reviewed on: 18th July 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 (110)

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

Excellent service quick turnaround of claims

Excellent service quick turnaround of claims Reviewed on: 4th September 2024

Great Value and Servcie

Very reasonable rates and paid out straight away with no fuss. Reviewed on: 4th September 2024

Great customer service

Had a good premium from them last year, good value for money. This year it was more expensive and I did find cheaper elsewhere. The Tesco policy was on auto-renewal which I hadn’t realised so a payment came out after I thought the policy had ended. I rang their customer services and they rectified it for me straight away, cancelling the policy and arranging a refund. Reviewed on: 4th September 2024

Quoting process with vet fees benchmarks

Fantastic value for money, extremely informative on the quotation process as they give an understanding of the average costs of dogs like us at the vet Reviewed on: 4th September 2024

Very good would recommend.

Very good would recommend. Help me a lot with my choice of product. Think everyone should consider this Reviewed on: 24th August 2024

Tesco Pet Insurance

When I called them they price matched my best quote, on a like for like basis and I receive clubcard points each month. Reviewed on: 24th August 2024

multiple products good

I have other products with Tesco, loans and credit card and the customer service is great and technology is good too Reviewed on: 23rd August 2024

TERRIBLE!

TERRIBLE!! I cannot put into words how awful they are, will do anything to get out of paying a claim. Moved from many pets who were amazing as Tesco policy sounded great, silly of me as they were defo too good to be true! Will not pay out for a one off urinary incontinence incident where tests came back normal, due to her having a similar incident beforehand saying they are related. How can they be related when there has been no ongoing treatments or vet visits between these periods? She has no ongoing illness’ touch wood. Can’t wait to leave these and move back to many pets. I used to work for Tesco bank so stupidly did not bother to read reviews, please do not make the same mistake I did and read the reviews before you take out a policy with these jokers. Reviewed on: 19th July 2024

Pay out Swindlers!

All the 1 star reviews are absolutely spot on! This company will dig and dig to find absolutely anything to reject your claim and keep your premiums. Whether your vet and all evidence proves the contrary. You pay them only to be made out to be a liar when you want to claim. Will be taking them to ombudsman. Despicable service. Reviewed on: 10th May 2024

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