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Tesco Bank: Pet insurance reviews

Name: Pet insurance
Rating: 3.23 (112 reviews)

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2.92

Based on 112 reviews, last reviewed 7th Sep 2025

100% increase in 5 star reviews

in the past 90 days

No new 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)

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

Had a renewal of over £10 more a month went on compa...

Had a renewal of over £10 more a month went on comparison sites found cheaper than I pay now with them. They wouldn’t match then tried scare tactics stating my pet wouldn’t be insured for 14 days when she’s covered with them until the 28th. Terrible service Reviewed on: 15th February 2024

Very disappointed and no empathy

Took our 15 year old yorkie (bob) to vets as he was urinating more,loosing weight and dry skin he had bloods taken, indicating little change in his liver so the vet wanted to scan him incase there was any hidden abnormalities. Bottom line is tesco will not cover him for treatment due to seizers that has had 3 times last year they said it was PRE existing illness connects to the liver. Trying to fight it but they have no empathy Reviewed on: 31st January 2024

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

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