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Tesco Bank: Pet Insurance reviews

Name: Pet Insurance
Rating: 3.22 (108 reviews)

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2.76

Based on 108 reviews, last reviewed 21st Mar 2025

100% decrease in 5 star reviews

in the past 90 days

500% increase in 1 star reviews

in the past 90 days

43%

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:

1

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 differenc... Read more Reviewed on: 21st March 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 (108)

I lost my dog at nearly 7 year old they asked for m...

I lost my dog at nearly 7 year old they asked for more information from my vet which they were supplied with, they still refused to pay out, the dog was insured with Tesco since he was 3 months old, I have been asked for a bank statement from 7 years ago to prove how much I paid,also I have been told while on the phone they can’t hear me and put phone down,I have been past from pillar to post people who where handling the case had been taken ill , I have been given so many excuses it’s untrue, also RSA insurance who work with Tesco are just as bad,they are a disgrace to pet owners and should not be trading, I will be taking this further, Please do not insure your animal with tesco you will regret it trust me I did, they are fine at taking your money,paying you is a different story Reviewed on: 4th January 2024

Phone call wait

Would help if they answer the phone Reviewed on: 3rd January 2024

Awful experience!

I made the pet insurance almost a year ago. My cat started to have some health issues in September this year and I saw the vet, who diagnosed her with thyroid issues. I paid £500 for blood tests and other tests and made a claim to get some of my money back. It's been two months and I haven't heard anything and every time I called I've been advised to wait! I've put in a complaint regarding the way my claim has been handled and guess what? They sent me a letter acknowledging the complaint stating that they have 8 weeks to reply! Absolutely awful experience! I'm looking now for a better insurer who actually pays not just takes your money! Reviewed on: 29th November 2023

Awful experience

I had a very negative experience with these guys! I made the claim more than a month ago and I'm still waiting for a final decision. I've made call after call and I've been told every time that I need to wait! Now I'm thinking that I need to change the insurer and get my money back! Very unprofessional Reviewed on: 27th November 2023

Uncaring horrible company. AVOID!

AVOID, AVOID, AVOID. Theyll take your money and do everything possible not to pay a claim. We put in a genuine claim and were made to feel like criminals, they called us dishonest and fraudulent. Then on 7th Nov they said they'd cancelled our policy from 5th Sept and we would not get a refund for the previous 2 months. Do yourself a favour and insure with someone else, don't give these criminals your money. Terrible, disgusting company. You've been warned Reviewed on: 7th November 2023

PET INSURERS THAT CARE

I’ve used Tesco bank to insure my cat since I’ve had him but had never made a claim. He became poorly & I made several trips to the vet. He had a small procedure at the vet followed by an operation at a specialist animal hospital. I updated Tesco each time and they were very quick to pay out. My cat needed a follow up op which Tesco authorised but my cat unfortunately died before op day. Tesco paid for his final cremation. They cancelled my insurance & even repaid part of that month’s insurance that I’d already paid by d/d. A week later they also sent me a beautiful condolences letter. THANK YOU TESCO FOR GOING ABOVE & BEYOND! I will definitely be insuring my next pet with you. ❤️ Reviewed on: 21st October 2023

Brilliant when cat was ill

We got great service when our cat was seriously ill, the vet's bills were paid quickly and the staff seemed genuinely concerned for her health. Reviewed on: 26th August 2023

Outstanding Pet Insurance Experience!

I can't say enough good things about the pet insurance provided by Tesco Bank! From the moment I enrolled my furry friend, I knew I had made the right choice. The coverage options are comprehensive, ensuring that my pet receives the best care possible without any financial worries on my end. What truly sets Tesco Bank apart is their exceptional customer service. Whenever I've had a question or needed assistance, their team has been there to provide prompt and friendly support. It's clear that they genuinely care about the well-being of both the pets and their owners. I have been lucky that I have not had to make any claims so far. But the process looks straightforward, should I need to in future. I also appreciate the flexibility in choosing my preferred vet, giving me peace of mind that my pet will receive care from a trusted professional. The pricing is reasonable for the level of coverage provided, and I appreciate the transparency in their terms and conditions. In a market flooded with various pet insurance options, Tesco Bank truly stands out as a reliable, compassionate, and efficient choice. I wholeheartedly recommend their pet insurance to all pet owners looking to ensure the well-being of their beloved companions. Reviewed on: 23rd August 2023

Disappointing, Shocking Mismanagement

So disappointed and distressed by apparent "delaying tactics" in paying our first claim for Mollie dog who has been insured with TESCO several years and had NO previous claims. So unwell after surgery, we were afraid we would lose our darling Mollie, but were grateful that after 2 weeks she was discharged from the vets and we finally had her home. I paid the FIRST bill of £4,203.52 on my credit card. On 18.06.2023 I confidently made the claim on Mollie's insurance as our first dog had also been insured with TESCO and a much larger claim was dealt with efficiently AND promptly. The vet centre completed and forwarded the claim form to TESCO P. Ins on 22.06.23. I received an email from TESCO stating they had requested more information from the vet. The vet replied they had NOT received a request for further info so called TESCO. TESCO then sent a letter stating if the info requested was NOT received they would "close" our claim. Vet contacted TESCO and was told there was a discrepancy of 15p between the amount the vet had written on the claim form and the invoice total...... 15 pence! Vet checked the invoice and emailed reply to TESCO stating the invoice total WAS as stated and WAS correct. Tried the "claim tracker" a few days later that apparently is NOT functioning... so Called Tesco "claim line" and was told our claim payment "was in process... will be paid into the bank account our Direct Debit is taken from" within 7 days. Despite this assurance, 3 days ago I received ANOTHER email from TESCO stating they requested the results of the Histology report from the vet before they could make a decision on our claim... I cannot understand what bearing the report would possibly have on the outcome of our claim,but forwarded the email to the vet, who again had NOT received the request. Vet sent us a copy of their response and the histology report sent to TESCO. I called TESCO claim line AGAIN today and was told they had received the report, but our claim had not yet been processed. The agent who took the call (William) said he would be the person assessing the claim and would "jump the queue" to process it as soon as possible... BUT he is on holiday NEXT week so would have to forward it to a colleague if it was not complete by then! Meantime, Mollie has been so unwell following her surgery she has had a 1am out patient appointment AND the following week another inpatient stay. I have paid another £1800 bill on my credit card, but NOT yet submitted this to TESCO in fear that a "Continuing Care" claim would confuse them and the delay initial payout...... If not a deliberate delaying tactic, this is shocking incompetence on the part of TESCO Pet Insurance, "MISMANAGED" by Royal Sun Alliance. Reviewed on: 27th July 2023

3 Times more expensive on renewal.

I had been with Tesco Pet Insurance for 3 years. Never made a claim. Renewal in my 4th year was 3 TIMES as much as the identical same policy advertised on a price comparison site. When I challenged Tesco on this I got a 3 page letter of absolute waffle. In essence my renewal was £330 but the exact same policy on the comparison site was £108. NEVER AUTO RENEW ON AN INSURANCE POLICY AND SHOP AROUND. Very poor from Tesco - they'll lose my grocery business too as a result. Every little helps apparently. Reviewed on: 10th July 2023

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