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Tesco Bank: Pet insurance reviews

Name: Pet insurance
Rating: 3.29 (115 reviews)

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3.29

Based on 115 reviews, last reviewed 8th Sep 2026

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

43%

13%

33%

Latest highest rating:

5

Thanks Tesco for an amazing service. Tesco pet insurance was there when i needed then. My boy hurt himself and could not but any weight on his front left paw. He needed Xray's which did n... Read more Reviewed on: 14th May 2026

Latest lowest rating:

1

AVOID AT ALL COSTS Rejected valid claim despite assurance it would be accepted resulting in financial difficulties now had to raise complaints with financial ombudsman Reviewed on: 8th September 2026

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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 (115)

Not what you would expect from Tesco

A very poor insurance policy. Very much a case of the detail being hidden in the small print. I have two dogs, yes I have had to make claims in respect of one but I had not appreciated just how much the premium would be increased as a consequence. In addition, the statement that they cover each and every condition up to a set amount does not reflect the fact that the time period for claims is only 12 months from the date of the first claim. Not sure why that is because there must be many situations as mine when your pet doesn't receive all of the required treatment in that period. I have done away with the cover which had reached nearly £100 a month, for one dog which is 2 years old and the second being under 7, with excesses still payable and past conditions not covered. Tesco should look closely at their partners Royal and Sun Alliance because the money paid does not reflect the service provided. Reviewed on: 28th January 2021

100% price increase on renewal

I insure both of my dogs with Tesco Pet Insurance and have never had a claim. Just got my renewal quote and they have double the premiums to £618 a year for absolutely no reason. How do they think people can afford those sort of premiums? Absolute rip-off. I have to go find another insurance company but now with dogs that are older. Tesco gave me the impression that they wouldn't increase the premiums much as the dogs got older but that certainly is not the case. If they had been transparent about this from the start I would never have taken out a policy with them. They are a complete rip-off. Reviewed on: 25th November 2020

Fab

great price, helpful and kind. I love tesco so much Reviewed on: 16th September 2020

No problems.

Filled form in, and vets filled in then sent it off. Paid my excess and vets paid out within 2 to 3 weeks. Vetphone were ok. Sadly when it came to euthanasia and cremation vets filled in the form and sent it off. I paid in full (knowing wouldn't get back excess fee and paperwork cost) within two weeks they had paid out the full £200 as advertised and stated. Reviewed on: 7th September 2020

Easy to use and good value

Really easy to get a quote, best rates and no issues when needing to make a claim - very easy to get in touch with too. Reviewed on: 7th September 2020

No recommend at all

I never made any claims but every year paid more and more this year had enough when they expected me to pay half of the money more insurance payments have gone from nearly £20 to nearly £30 and when I have cancelled they told me to pay nearly £34 final payment but for what I'm asking i have found new one similar condition and lots cheaper..would never recommend..cheaters ..if I could I would give zero star Reviewed on: 17th August 2020

Rip off renewal

Premium for our dog insurance was ok for first year but 50% hike on renewal. Customer “service” said this was due to vets in area putting charges up and the age of the dog meaning more likely to get sick. Dog is two!! Hardly geriatric and less likely to need treatment than a one year old as now neutered and less bouncy. As for vets...... insurance for my other dog (12) with Animal FrieNds went up by only 10%, despite his age. We’ve made no claims so can only suppose Tesco only want to keep customers who don’t check renewal prices. Reviewed on: 9th August 2020

Fantastic service

I don't usually praise an insurance company but Tesco Pet Insurance have been amazing! They processed my claim so quickly and unlike other companies did cover me for Euthanasia and Cremation costs for my pet no quibble no problems ❤️. Its only when you claim you find out if they are any good or not. Well top marks I'm proper impressed x Reviewed on: 31st July 2020

Good customer service

Good customer service but no loyalty and quite a price increase hence switched to another provider . Reviewed on: 26th June 2020

30% increase year on year

My dog's insurance has gone up 30% last year, 30% this year .. I was told it was due to his age (I've never claimed). I'm now putting money into a savings account instead of giving them £98 a month. Reviewed on: 17th June 2020

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