Write a review

Tesco Bank: Pet Insurance reviews

Name: Pet Insurance
Rating: 3.29 (105 reviews)

View other Tesco Bank products

2.97

Based on 105 reviews, last reviewed 1st Feb 2025

83% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

44%

13%

32%

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

Definitely don’t get their pet insurance. Definitely don’t get their pet insurance. Just had my renewal through and it’s jumped from £74/month to £140/month for a 5 year old dog with no claims... Read more Reviewed on: 1st February 2025

Read all reviews See your review

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.

Tesco Bank Pet Insurance reviews (105)

Review of the Tesco Bank, Pet Insurance:

No Loyalty for staying with Tesco, just higher prices

Have never made a claim on either of my policies, however, the renewal price on both policies has jumped 62% on each policy! I accept that cost do rise every year, (exactly what all the others say as well!) but when its as high as it is, +£200 on each policy, then £200 excess and 20% dual payment on the rest of the bill, I'm wondering if its worth it! It seems if you change your insurance company each year you get the £200 rise off your new policy. It pays to shop around now and not stay loyal. Reviewed on: 23rd January 2025

Excellent

Excellent , service and response to my claim for my dog , very efficient , claim went through straight away , first claim to myself ,,second direct to vet . Reviewed on: 16th March 2020

Unclear terms and conditions

We were very disappointed with our experience. It seemed like more energy was put into trying to avoid a claim than providing any sort of service. Beware that there is an exclusion for “diagnosed behavioural problems” in the small print but apparently your costs incurred in getting to a “diagnosis” are not covered. This disparity was pointed out to the insurer and I was helpfully told they had come across this issue before but it seems had not sought to clarify this to their customers. Tesco - if you wish to exclude something then how about using plain English namely “we do not cover cost incurred in the diagnosis of and treatment for behavioural problems”. That wasn’t hard was it! Reviewed on: 25th January 2020

Not actually covered for the first 14 days that it states

Avoid using these at all costs. Despite taking a policy out you actually are not covered for the first 14 days of your policy term despite the fact that it clearly states your term start and end dates. If anything happens to your pet in that time they will not cover it. Seriously, go elsewhere and buy your pet insurance from a professional outfit. Reviewed on: 20th April 2019

Quick payout

I brought Tesco Bank Pet Insurance about 14 days before my cat had an accident. The vet helpline was great and the customer service was superb. Claims form was easy to fill in and they payed out within days! Highly recommend. You don't want to worry about money for vet bills whilst one of your pets is ill so it was a huge weight off my shoulders. The policies are cheap and have a large payout and low excess. Reviewed on: 19th March 2019

Absolutely great service

Been insured for two years with Tesco and would definitely recommend. Always a quick payment with minimal issues and great customer service Reviewed on: 5th February 2019

Kept me in the dark when i had queries then tripled renewal premium!

They don't explain or breakdown how they arrive at figures they are not going to payout you just get a letter MONTHS later telling you you still owe the vet! I was shocked at how much they hiked my premium after the first year!! Reviewed on: 21st September 2018

Lies, lies and shocking poor customer service

One of the top company that lie to customer and can’t defend themselves. I claimed pet insurance and spoke with 3 different agents about this same claim and got 3 differ t answers every time. At the end they cancelled my policy and refunded my premium policy from 1 st day. Shocking customer service, manager can’t explained why and how they lie to me each time. In total I was waiting over 8 weeks for my claim and waste over 5 hours over phone. Reviewed on: 22nd August 2018

Avoiding pay out

Tesco have been poor with the 2 separate claims for our pet Dog. They have taken an excess amount to process the 1st one. The second one was accepted but a continuation of treatment was rejected due to issues with the 1st claim. We have had to move heaven and high water to get the claims reviewed and we are still waiting for a response. Have cancelled my policy on renewal and will not be using Tesco Bank again. Reviewed on: 9th August 2018

Rip off Tesco

Don't use Tesco pet insurance, they don't payout!!!! You take out the policy in good faith and when you they refuse, god forbidden you ask to speak to a supervisor it's a 3 day call back!!! They claim pre existing condition for arthritis he that he has only just been diagnosed, he has NEVER had it before. Save your money don't give it Tesco, according to the call center they are proud they refuse 90% of claims and use pre existing as an excuse. Well done for admitting that Gerry on the claims team. They didn't even have the decency to infom me. Be warned people and Tesco I'm taking this to the ombasman!!!! Reviewed on: 28th July 2018

Perfect!

A perfect plan for me which gives me the security i need for the health of my dogs Reviewed on: 17th July 2018

Do you have a different Tesco Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Pet Insurance
from Muddy Paws (formally VetsMediCover) 4.23 from 11 reviews
Pet Insurance
from Vetsure 4.00 from 1 reviews
Pet Insurance
from AA 4.00 from 1 reviews

There's still more to see!

Tesco Bank has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub