Marks and Spencer Pet Insurance
|Plan||Accidents and Illness||Excess (per condition)||Max age limit to sign on||Lifetime cover||Price per month|
|Standard||£4000/ year (1000/ condition)||Cats: £75, Dogs: £90||no||Upto condition limit||Dog: £15.51-71.45 Cat: 8.52|
|Premier||£7000/ year||Cats: £50, Dogs: £70||no||yes||Dog: £25.02-117.43 Cat: £13.52|
Detailed coverage Chart for Marks and Spencer Insurance
|Vet fees Accident and Illnesses||£4000/ year (£1000/ condition)||£7000/ year|
|Death or loss (replacement cost of pet)||£600||£1500|
|Cremation and Euthenasia||-||£100|
|Boarding (if owner hospitalized)||£750||£600|
|Holiday (trip cancellation)||-||£3000|
|Cover Abroad||-||£2000 emergency vet treatment and £500 for other costs.|
|Dental (not teeth cleaning)||Your pet must have regular dental check ups for this sort of coverage||Your pet must have regular dental check ups for this sort of coverage|
|Breeding, Fertility, Pregnancy||-||-|
|Medical devices (ex. Wheelchair for dog)||Probably, depends on device||Probably, depend on device|
|Lost/Stolen pet adds (reward)||£600 (600 for reward)||£1250 (750 for reward)|
|Third party liability||£2million||£1million|
|Accidental Damage (tenant coverage)||-||-|
|Grooming and Bathing||-||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||-||£200|
Insurance Helplines coverage chart for Marks and Spencer Insurance
|Vet finder, pet minder and local contact||yes||yes|
Some Common Questions with answers about Marks and Spencer Pet Insurance:
Are Hereditary and Congenital disorders covered?
Yes, these are both covered with Marks and spencer pet insurance.
Lifetime insurer (will Marks and Spencer Insurance cover on going conditions throughout pets life) ?
Yes, they will cover conditions throughout the pets life. The premier plan is an actual lifetime, however the standard plan will only cover upto the condition amount for the lifetime.
15% if purchase online.
Any vet or specific vets only? After hours vets or in home vets?
Yes, you may go to any vet you chose.
If after hours, call the after hour vet phone, to see if it is an emergency.
Can the vet be paid directly?
Yes, but you must arrange this between you and your vet.
If not, How quickly are claims processed with Marks and Spencer Insurance?
Claims usually take 7 days if all the paperwork is sent in together.
Does Marks and Spencer Insurance cover examination fee (if it relates to the injury or illness) ?
Yes, if you go to the vet for treatment, the treatment and the examination fee will be covered!
No. They don’t cover dogs under the dangerous dog act as well as American bulldogs, wolf hybrids.
Dangerous Dog Act?
• They will not cover any of the breeds (or crosses of) :
American Bull Dogs• American Pit Bull Terriers
• American Staffordshire Bull Terriers
• Argentine Dogos
• Canary Dogs
• Cane Corsos
• Czechoslovakian Wolfdogs
• Dogo Argentinos
• Dogue Brasileros
• Fila BraSilieros
• Irish Staffordshire Bull Terriers
• Japanese Tosas
• Northern Inuit Dogs
• Perro De Pressa Canarios
• Pit Bull Terriers
• Presa Canarios
• Racing greyhounds
• Tosa Inus
Do I stop getting coverage as my dog ages?
No. You will continue to get coverage as long as you pay the annual fee.
Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
Yes, as your dog ages, the monthly price will increase.
Does Marks and Spencer Insurance put the monthly price up every year? By how much?
Yes, the montly price increases with the age of the pet.
Does Marks and Spencer Pet Insurance serve all of the UK? Is the monthly amount more depending on where I live?
Yes, Marks and Spencer pet insurance serves all of the UK.Yes, the monthly amount depends on where you live, this is taken into account when you enter your postal code for the quote.
Marks and spencer have no coverage for the first 14 days after purchase.
Do rates increase with more claims/penalized for filing more claims?
If you make a lot of claims with Marks and Spencer pet insurance in the first year, then you’re classified as a higher risk and your rates will increase the following year.
Maximum lifetime claim amount?
There are only annual and per condition maximums.
What is the co-payment for Marks and Spencer Insurance?
The co-payment is:
Cats under 9= 0%, cats 9 and over, 20%
Dogs under 9= 0%, dogs 9 and over 20%
With the Premium coverage, you also get coverage for damage to kennel and bedding (£100) and failure of spaying of £250. Although I’m not sure what the £250 will do to help you if you’re pet has babies!
M&S Cardholders get 250 M&S points for new policies (with conditions)
Money back guarantee?
I do not know if you can cancel within the first period of time and get the money back if no claims are made.
What Marks and Spencer Pet Insurance doesn’t cover - claims that are directly or indirectly related to:
• Pets under 8 weeks old.
• Pre-existing conditions.
• Marks and Spence Insurance will not cover any dogs used for racing, security, guard dogs. Or for trade or business, or if your dog has been trained to attack or has been used for Security purposes in the past.
• If the dog has been the cause of accident or legal action.
• Treatment not recommended by a vet.
• Illnesses or Accidents that happen outside of UK, Northern Ireland, Isle of Man, channel islands, Eire, or the EU countries of the PETS travel scheme defined by DEFRA listed here.
• Will not insure dogs that are a breed under the “Dangerous Dogs act 1991 or Dangerous dogs act 1991(Northern Ireland)”
o These dogs include: Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Brasileiro and pets described similar in type and characteristic. They may not even be of this breed, but if they’re described to be the same.
o This is described as a type and characteristic, NOT breed, meaning any dogs that have characteristics as the above breeds.
Make sure to read the fine print before purchasing, there are many more exclusions that are not written here.