Tesco Pet Insurance UK

Pet Insurance Tesco – 2 plans for Dogs and Cats!

Tesco Pet Insurance UK offers 2 plans for Cats and Dogs. There is no maximum age to sign on with Pet Insurance Tesco.

When visiting their website, I found it to have a very long process just to get a quote amount. In the first chart on this page, you can get an approximate of prices of quotes (that can be compared to the other companies aswell).

Their website has a lot of information and answers to many questions, however you have to spend a lot of time looking around. This page will help you by putting all that information on one page… plus other very important info that can only be found by phoning the company.

If you would like to insure 3 pets or more with Tesco Pet Insurance UK, please contact them by phone at: 0845 072 2112

One thing that is very good about their plans is that they offer a Vet phone– an advice line that you can call for information on whether you should take your pet to the vet. This in and of itself could save you a lot of money cause you can call the phone line and they will tell you whether you really have to go to the vet. As a pet owner myself, I’ve wanted a phone line like this. Most other companies do not offer this option.

Tesco has Pet Insurance and grocery shopping, they also offer other insurance for your home, car, car breakdown, travel, life, health, and dental insurance.

Overall, their plans are quite reasonably priced.

Please Leave a Review once you decide and buy the best plan for your pet to help other Pet owners!


Snapshot Information Chart for Tesco Pet Insurance UK

Plan Accidents and Illness Deductible/ Excess* (per condition) Max age limit to sign on Lifetime cover Price per month
Standard £2,500/ condition for “12 month limit” Dog: £60 or 120 Cat: 50 or 100 none no Dog: £7.54- 20.35 Cat: £3.20- 3.83
Extra £4,000 / condition (no time limit) Dog: £60 or 120 Cat: 50 or 100 none Up to condition maximum Dog: £10.50- 30.45 Cat: £4.06- 4.94

There is no yearly maximum amount with Tesco Pet Insurance UK. It is a per/condition maximum only.

*Excess for Third party liability is 250 with Pet Insurance Tesco.

For the monthly quote I choose yes to third party liability, travel and extra benefits. The price would be less if I did not choose these options.

Detailed coverage Chart for Pet Insurance Tesco

Standard Extra
Vet fees Accident and illnesses £2,500/ condition for “12 month limit” £4,000 / condition (no time limit)
Routine Care
Hereditary Conditions yes yes
Hip dysplasia yes yes
Death or loss (replacement cost of pet) £1500 (optional) £1500 (optional)
Boarding (if owner hospitalized) £1000 (optional) £1000 (optional)
Holiday (trip cancellation) £5000 (optional) £5000 (optional)
Cover Abroad Yes (optional) Yes (optional)
Quarantine costs £1500 (optional) £1500 (optional)
Behavioural problems
Prescription meds
Dental (not teeth cleaning) For accidents only, not gum disease For accidents only, not gum disease
Alternative /complementary treatment £500 (from vet fees) £1000 (from vet fees)
Breeding, Fertility, Pregnancy
Medical devices (ex. Wheelchair for dog) yes yes
Lost/Stolen pet adds £1000 (optional) £1000 (optional)
Third party liability (dogs only) £2 million (optional) £2 milion (optional)
Accidental Damage (tenant coverage)
Grooming and Bathing
Pet food, Nutritional supplements, vitamins, natural remedies

Vet fees- Illness or Accidents are covered by Tesco Pet Insurance UK.
Routine/Preventative care- vaccinations, annual exam, spay/neuter, heartworm testing and meds, teeth cleaning, tick and flea meds are not covered with Pet Insurance Tesco.
Hereditary conditions- are covered by Pet Insurance Tesco.
Hip Dysplasia- is covered.
Death- Will cover replacement price of pet if dies from accident or loss due to straying… You must provide us with proof price. If you are unable to provide proof, you will receive a minimum payment of £35 for cats and £70 for dogs so you can obtain a new pet.
Euthanasia and Cremation – are not covered by Tesco Pet Insurance UK.
Boarding- If you go to hospital for more than 4 days you will get upto 1000 towards boarding with Pet Insurance Tesco
Holiday- an optional coverage upto £5000.
Cover abroad- will cover upto £1500 for quarantine costs, £300 for emergency expenses, 250 for loss of pet passport, repeat tick and worming treatment. You are allowed upto 3 trips of 30 days each per year unless agreed with tesco in writing before.
Quarantine Costs- an optional coverage upto £1500
Behavioural problems- will not cover any behavioural treatment or any conditions that resulted from behaviour problems.
Prescription Meds- are not covered with Pet Insurance Tesco.
Dental- will cover accidental damage only, NOT anything relating to tooth decay or gum disease.
Alternative treatment- ( acupuncture, massage…) is covered for £500 or £1000 coverage from the total vet fee amount.
Breeding, Fertility, Pregnancy– is not covered by Pet Insurance Tesco.
Medical devices– is covered.
Lost/Stolen Pet  (Advertising to find pet if lost/stolen/strays)- an optional coverage of upto £1000.
Third party liability(dogs only) – an optional coverage of upto £2 million.
Accidental Damage– is not covered.
Grooming and Bathing– are not covered by Tesco Pet Insurance UK.
Pet food, Nutritional supplements, vitamins, natural remedies– is not covered.

Insurance Helplines coverage chart for Tesco Pet Insurance UK

Standard Extra
Bereavement counselling included included
Vet finder
Pet legal included included
Pet minder
Vet Phone included included

Bereavement counselling -help you deal with death/illness of pet 0845 078 384
Vet Finder– help you find local vet if away.
Pet legal– 0845 078 384
Pet minder -help you find a local pet sitter.
Vet phone– an advice line that you can call for information on whether you should take your pet to the vet. 0800 197 4949



Some Common Questions: 

Are Congenital disorders covered by Tesco Pet Insurance UK?
Yes, these are covered with Tesco Pet Insurance UK.

Lifetime insurer (will they cover on going conditions throughout pets life) ? 
No, they only cover conditions upto the condition limit.

20% online and 10% phone5% discount for Clubcard customersSometimes they offer a large first time introductory discount- upto 50%.Multi pet discount, get a 10% discount on the additional premium for each additional pet you add to your policy (discounts are applied consecutively)

You ADD each discount consecutively 

Any vet or specific vets only? After hours vets or in home vets? 
You can go to your regular vet.You can go to after hours vets or home vets if it is an emergency.They will not cover house calls or out-of-hours calls or for your pet to stay at the vet’ssurgery, unless the vet can confirm in writing that it was absolutely essential and that not taking that action would have seriously worsened your pet’s condition

Can the vet be paid directly with Pet Insurance Tesco?  
Yes, as long as your vet agrees. You just have to pay the remaining excess.

If not, How quickly are claims processed? 
Promptly, 5 working days is all it takes for Pet Insurance Tesco.

Does Pet Insurance Tesco cover examination fee (if it relates to the injury or illness) ? 
No, sorry, this is not covered.

All breeds? 
No: Dogs that are not covered by Tesco Pet Insurance UK are: dogs under the Dangerous Dogs Act (Pit Bull Terrier types, Japanese Tosa types, Dogo Argentino types, Fila Braziliero types) and Wolves or Wolf Hybrids or any crosses with these breeds.

Dangerous Dog Act? 
Dogs under the dangerous dog act are not covered with Pet Insurance Tesco .

Do I stop getting coverage as my dog ages? 
No, your pet continues to be covered, however you have to pay 15% percent on each claim when your pet reaches 9 years old.

Does age affect monthly price (as my dog gets older will the monthly premium go up) ?  
The monthly price goes up every year. When your pet reaches 9 years old you will have to pay 15% of the claim amount.

Does Pet Insurance Tesco put the monthly price up every year? By how much? 
Yes, the monthly price will increase each year.

Where do they serve? Is the monthly amount more depending on where I live? 
UK, lsle of Man or Channel IslandsScotland, England, Northern Ireland, Wales, The Channel Islands and The Isle of ManYes, the monthly amount depends on where you live (according to the website), however on the phone they said no, that the monthly amount doesn’t depend on where you live.

Waiting period? 
There is a 10- 14 days waiting period before coverage will start once payment has been received.

Do rates increase with more claims/penalized for filing more claims? 
No, rates do not increase if you file more claims with Tesco Pet Insurance UK.

Maximum lifetime claim amount? 
There is only a maximum per condition. For the Extra plan this amount can take the pets lifetime to be used, for the Standard plan, this amount can only be used during the 12 month period and then that condition is no longer covered.

What is the co-payment/ co-insurance for Pet Insurance Tesco? 
15% for pets over 9 years old.

Extras included? 

They may need a differential diagnosis (i.e. another vet’s opinion) before being able to pay a claim

Money back guarantee? 
14 days.



What Tesco Pet Insurance UK doesn’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, guarding, breeding, 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.
• 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.

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