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|
*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
|Vet fees Accident and illnesses||£2,500/ condition for “12 month limit”||£4,000 / condition (no time limit)|
|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)|
|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||-||-|
Insurance Helplines coverage chart for Tesco Pet Insurance UK
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.
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.
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.
They may need a differential diagnosis (i.e. another vet’s opinion) before being able to pay a claim
Money back guarantee?
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 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.