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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)

Good Value and Comprehensive Insurance

Haven't had to use this yet which is good but they've been very easy to set up with and the policy is good. Reviewed on: 15th August 2022

Easy option

Easy to deal with, good communications and justifiable cost increases for my aging pet. Reviewed on: 14th August 2022

Old fashioned processes. First claim rejected, even though condition not pre-existing

Everything slow and paper based. Claims forms filled out by hand and submitted via email, so prehistoric, policy paperwork all paper based and takes weeks to arrive. Claim for one dog’s ear infection refused because they said she had treatment for it before our policy started. Even though that was a completely different issue. Poor. Will be looking for a different insurance company. Reviewed on: 18th June 2022

Disappointed

My dog, had a yeast infection in her ear, the overall cost was £350. She has had three previous infections over her almost six years of age. Tesco, refused to pay, said she had the condition ongoing from 2017! Ear infections are acute, not chronic, and like humans, dogs can get them. Vet wrote a letter, advising, it was a different type of yeast, still refused to pay! I am so disappointed with a Tesco, I expected better. I will not insure my animals with them ever again, nor will I recommend them, I have walked with my feet and no longer shop with them either. Reviewed on: 11th June 2022

Never any problems

I've been insuring my dogs with Tesco for many years. They've never rejected a single claim. I find them fair, and their customer service helpful and polite. As long as your claim complies with their T&C's, your ok. I would recommend them any time. Reviewed on: 27th May 2022

Premium increases of in excess of 50% annially

Very responsive to claims, however be aware, after a claim your premiums will almost double year on year. Stay clear rip off Reviewed on: 29th April 2022

A CLAIM OF £500 AND MY PREMIUM DOUBLED

I HAVE JUST RECEIVED MY PET INSURANCE RENEWAL AFTER PUTTING IN A CLAIM OF APPROXIMATELY £500 AND MY MONTHLY PAYMENT HAS GONE FROM £31 TO £62. NOT ONLY THAT - RECEIVED MY RENEWAL THE 22ND MARCH ONLY TO FIND IT RENEWED ON 18TH!!!! AVOID THIS COMPANY AT ALL COSTS Reviewed on: 23rd March 2022

Courteous helpful service

My puppy broke her leg and needed a plate screwing into bones for best outcome and prevent further breaks. Rang tesco to tell them and they said straight away before going to emergency vet that she was covered. Rang to see if referral vet was o their list of accepted vets and they were. Cost of treatment has been approx. 5560. She went through 3 different vets hands during course of treatment. All were paid within 5 days of forms submitted. All the phone calls I made were handled well and professionally in a friendly sympathetic manner. I would not have afforded this treatment without insurance. Reviewed on: 17th March 2022

Avoid this company will not pay claim

Avoid like the plague. When I had my shar pei puppy was noticed she had mild entropy and was stated by my vet no treatment was needed. After 6 years she had to have eye surgery as she had an eye ulcer and they will not pay the fees for vet surgery to clear this ulcer as it was noted this entropy was recorded in 2016. Even though I have had her insured with Tesco since 2017 after free insurance given with the price of the puppy they are refusing this claim. I shall be insuring her in future somewhere else in future Reviewed on: 22nd February 2022

Absolutely rubbish

Discovered that the £120 Excess I have on my pet insurance is per condition, per year, which effectively means although it is an ongoing condition I need to fund £120 of medication myself, get a few paid for, and then go back into paying the £120 again. About an hour to get through to find this out, followed by being put on hold to cancel, and then being offered a call back. On pressing this option it promptly cut me off. Not a good service, and very loathe to pay, without finding some way of not paying due to clause 10, subclause 195 a, amended version. Avoid. Reviewed on: 15th January 2022

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