Sainsburys pet insurance
|Plan||Accidents and illness||Deductible/ Excess* (per condition)||Max age limit to sign on||Lifetime cover||Price per month|
|Option 1||£3,000/ condition "12 month limit"||You choose: 75**, 100, 150, 200||10 years||No||Dog: 9.97- 31.69 Cat: 4.95- 6.77|
|Option 2||£7,500 / condition||you choose: 50**, 75, 100, 125 (select breeds*** is 125 only)||10 years||No- Upto 7500 per condition per life.||Dog: 17.25- 56.07 Cat: 8.37- 9.66|
Detailed coverage Chart for Sainsbury Pet Insurance
(quotes are in £)
|Option 1||Option 2|
|Vet fees Accident and illness||£3,000/ condition "12 month limit"||£7,500 / condition|
|Death (replacement cost of pet)||-||1500 for death from injury,1000 for death from illness, 750 for loss from theft or straying|
|Boarding or daily minding (if owner hospitalized)||-||1000 (100/ week)|
|Holiday (trip cancellation or return home)||-||3000|
|Cover Abroad||-||2500/ condition|
|Quarantine costs||-||2000/ trip|
|Dental (not teeth cleaning)||Due to accident or illness only||Due to accident or illness only|
|Alternative / Complimentary treatment||-||1000/ condition|
|Breeding, Fertility, Pregnancy||-||-|
|Medical devices (ex. Wheelchair for dog)||yes||yes|
|Lost/Stolen pet adds and reward||1000||1000 including 250 for reward|
|Third party liability (dogs only)||1 million||2 million|
|Accidental Damage (tenant coverage)||-||500|
|Grooming and Bathing||-||-|
|Pet food, Nutritional supplements, vitamins, natural remedies||-||Clinical diet: 200/ condition (4 week max)|
Insurance Helplines coverage chart for Sainsburys Pet Insurance. 0800 533 5912
|Option 1||Option 2|
|Find pet friendly hotel||included||included|
Bereavement counselling-help you deal with death/illness of pet.
Vet Finder- help you find local vet if away.
Pet legal- Not covered.
Pet minder-Not covered.
Find pet friendly hotel- a phone line to help you find a pet friendly hotel.
They also are linked to AXA insurance and John Lewis and Pet guard and their pet phone lines.
Some Common Questions:
Are congenital or Hereditary conditions covered by Sainsburys Pet Insurance?
Yes, these are both covered as long as they’re not pre existing before getting coverage.
Lifetime insurer (will they cover on going conditions throughout pets life) ?
No. Sainsburys pet insurance has a condition limit. If the condition limit is reached, you no longer get coverage for that condition.
Does Sainsbury Pet Insurance offer any Discounts?
5% discount for second pet if you insure it with Sainsbury pet insurance aswell.
Additional 5% discount if you pay using your Sainsbury's Credit Card.
Any vet or specific vets only? After hours vets or in home vets?
Yes you can go to your regular vet.In an emergency you can go to an afterhours or get a home vet.
Can the vet be paid directly?
If your vet agrees to this, then he/she can fill out claims forms so that they can be paid directly.
If not, How quickly are claims processed with Sainsbury pet insurance?
5 business days.
Does Sainsburys pet insurance cover examination fee (if it relates to the injury or illness) ?
This depends on what was wrong.
No: Pets that are an American Pit Bull Terrier, Dogo Argentino, Fila Braziliero, Japanese Tosa, Perro de Presa Canario, Pit Bull, Pit Bull Terrier, Sharpei, wolves or wolf hybrid, or a dog crossed with these, or any animal registered under the Dangerous Dogs Act 1991 and The Dangerous Dogs (Northern Ireland) order 1991 or Dangerous Dogs (amendment) Act 1997 or any subsequent amendments or a dog crossed with any of these.
The following breeds are also not covered: American Bulldog, American Bullmastiff, American Staffordshire Bull Terrier, Beauceron, Bernese Mountain Dog, Bordeaux Mastiff, Bullmastiff, Cane Corso, Czechoslovakian Wolfdog, Deerhound, Dogue Brasileros, Dogue de Bordeaux, Irish Staffordshire Bull Terrier, Mastiff, Neapolitan Mastiff, Northern Inuit, Pyrenean Mastiff, Sarlooswolfhound, Spanish Mastiff, Tibetan Mastiff, Tosa Inus, Utonagan
Dangerous Dog Act?
Dogs under the dangerous dog act are not covered by Sainsbury pet insurance plans.
Do I stop getting coverage as my dog ages?
No upper age limits. Your pet will continue to get coverage throughout its life with Sainsburys pet insurance plans.
Does age affect monthly price (as my dog gets older will the monthly premium go up) ?
The monthly price increases every year, but Sainsbury pet insurance wouldn’t say by how much.
Does Sainsbury pet insurance put the monthly price up every year? By how much?
The monthly price increases every year, but they couldn’t say by how much.
Does Sainsbury pet insurance serve all of the UK? Is the monthly amount more depending on where I live?
They serve all of the UK and it is the same price everywhere in the UK.
Do rates increase with more claims/penalized for filing more claims?
Upon renewal, your rates might increase.
Maximum lifetime claim amount?
Yes, upto the condition limit.
What is the co-pay?
Pets over 9 years old will pay the first 125 or 15% whichever is greater.
Option 2: Damage to kennel or basket £100/ period of insurance.
Option 2: Personal accident to owner £5,000 per incident.
They also offer a line to help you find a pet friendly hotel.
If your vet charges higher than the fees usually charged. They may request a second opinion from an independent vet. If the independent vet does not agree with the veterinary fees charged they may decide to pay only the veterinary fees usually charged by a general or referral practice in a similar area
Money back guarantee?
14 days from receipt of documents.
What they don’t cover - claims that are directly or indirectly related to:
• Pets under 8 weeks old.
• Pre-existing conditions.
• No coverage for injuries that result from: racing, breeding, guarding, Or if your pet is used in conjunction for business or occupation.
• 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.
o click 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.