Is M&S Pet Insurance Worth It? Review 2025
Our expert's opinion on M&S
M&S Pet Insurance, underwritten and managed by RSA Insurance Ltd (a major UK-regulated insurer), stands out on the UK pet insurance market with a solid, flexible range of four clear cover levels: Essential, Standard, Plus, and Premier. Annual vet fee limits range from £1,000 to £10,000 depending on the plan, addressing both basic and high-cost needs; reimbursement is subject to annual or per-condition limits and straightforward excess rules (single per condition or per year per condition, rising by £100 for pets aged 9+). Notably, Premier offers enhanced travel and emergency cover, higher limits on key benefits, and extras like behavioural or dietary treatment. M&S positions itself competitively on price, usually marginally above budget-focused providers but below premium or breed-specialist insurers, and includes value-added services such as the 24/7 vetfone hotline for all customers. M&S Pet Insurance best suits owners of young or middle-aged dogs and cats seeking robust core cover (especially for pedigree breeds or those prone to hereditary issues), or those looking for high annual vet limits and overseas protection, with flexibility for multi-pet households (10% discount per extra policy). Backed by the financial stability and claims experience of RSA, M&S reports efficient online claims with electronic payments direct to vets or policyholders; most queries resolved within a few working days, reflecting industry standards. While no Trustpilot score is provided in the data, M&S is widely cited among leading UK pet insurers with extensive customer feedback online—indicative of both scale and reliability.
- Four clear cover levels to suit various needs and budgets
- Vet fee limits up to £10,000 per year on Premier
- 24/7 free vetfone hotline for all policyholders
- Comprehensive dental and complementary treatments (higher on Plus/Premier)
- Multi-pet discount of 10% per extra animal
- Emergency boarding and travel cover on higher plans
- Efficient online claims system, payments direct to vets
- No cover for pre-existing or preventive treatments
- Annual limit per condition on lower plans (Essential, Standard)
- Premiums and excess increase significantly for older pets
- No overseas cover except Premier
- Limited dental cover on Essential, excludes preventive
- M&S warranties
- M&S exclusions
- M&S prices
- M&S Support
- Customer feedback on M&S
- How can I contact M&S?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with reliable, impartial analysis. Thanks to this approach, hundreds of thousands of users in the UK trust us each month to guide them with their most important financial decisions.
M&S warranties
M&S offers four comprehensive pet insurance tiers—Essential, Standard, Plus, and Premier—tailored for cats and dogs, with clear segmentation based on annual and per-claim veterinary cover, dental, and the inclusion of extras like travel or emergency boarding. Reimbursement rates are not explicitly stated but are typically up to the reimbursement limits; excess charges are fixed per condition or per policy year depending on the tier, rising by £100 from the pet’s 9th birthday. All plans include strong vet fee benefits, notable legal liability for dogs, loss/theft protection, and value-added services like a 24/7 vet helpline. Premier stands out for its high annual limits (£10k), travel, and behaviour cover, but all tiers strictly exclude pre-existing conditions, most preventive care, working and some banned breeds, and do not offer a wellness/prevention budget. While M&S excels at structured coverage and customer add-ons, the lack of a prevention package and restrictions on older/newly-acquired or high-risk animals may limit some owners’ needs.
| Guarantee Name | Essential | Standard | Plus | Premier |
|---|---|---|---|---|
| Formula positioning | Entry-level, max 12-month/condition cover | Balanced annual+per condition limits | Intermediate, higher annual limit | All-risk, highest annual caps, max benefits |
| Type of cover | Accident & illness | Accident & illness | Accident & illness | Accident & illness, incl. travel/holiday |
| Covered animals | Dogs and cats | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | Up to annual/claim limit (exact % not stated) | Up to annual/claim limit | Up to annual limit | Up to annual limit |
| Annual vet fee reimbursement cap | £3,000/condition or max 12 months | £1,000/condition (£4,000/yr) | £2,000/yr or £3,000/yr | £5,000, £7,000 or £10,000/year |
| Excess (deductible) per annum/per claim | Per condition (once per accident/illness) | Per condition and per year | Per condition and per year | Per condition and per year |
| Min/max age for new policy (cats/dogs) | 8+ weeks; max NC | 8+ weeks; max NC | 8+ weeks; max NC | 8+ weeks; max NC |
| Health questionnaire needed? | Not specified (NC) | Not specified (NC) | Not specified (NC) | Not specified (NC) |
| Waiting period: illness | 14 days post-policy start | 14 days | 14 days | 14 days |
| Waiting period: accident | 14 days | 14 days | 14 days | 14 days |
| Lifetime policy renewable? | Yes, subject to annual review | Yes, subject to review | Yes, subject to review | Yes, subject to review |
| Vets (consultation/emergency/specialist) | Covered within limit (accident & illness) | Covered within limit | Covered within limit | Covered within limit |
| Medication | Covered within veterinary fee cap | Covered within veterinary fee cap | Covered within veterinary fee cap | Covered within veterinary fee cap |
| Hospitalisation | Covered within veterinary fee cap | Covered within veterinary fee cap | Covered within veterinary fee cap | Covered within veterinary fee cap |
| Ambulance/carrying fees | NC | NC | NC | £0.30/mile up to cap |
| Surgery/anesthesia | Covered within vet fee cap | Covered within vet fee cap | Covered within vet fee cap | Covered within vet fee cap |
| Scans (CT, MRI, ultrasound) | Covered within cap, if recommended | Covered within cap | Covered within cap | Covered within cap |
| Laboratory tests | Covered within veterinary fee cap | Covered within veterinary fee cap | Covered within veterinary fee cap | Covered within veterinary fee cap |
| Radiotherapy | Covered within veterinary fee cap | Covered within veterinary fee cap | Covered within veterinary fee cap | Covered within veterinary fee cap |
| Dental | Accidents only, up to cap | Accidents and illness, up to cap | Accidents and illness, up to cap | Accidents and illness, up to cap (£1,000) |
| Scale & polish (descaling) | Not covered | Not covered | Not covered | Not covered |
| Complementary therapies (osteopathy etc) | Up to £500 | Up to £500 | Up to £500 | Up to £1,000 |
| Prevention package (vaccines, flea, worm...) | Not covered | Not covered | Not covered | Not covered |
| Behavioural therapy | Not covered | Not covered | Not covered | Up to £250 |
| Therapeutic food | Not covered | Not covered | Not covered | Up to £200, prescribed only |
| Countries covered (travel) | UK, Isle of Man, Channel Islands, NI only | UK, Isle of Man, Channel Islands, NI only | UK, Isle of Man, Channel Islands, NI only | UK+EU (PETS), 3 trips, 60d/trip, full subset cover |
| Death/cremation | Death: up to £600; cremation: £100 | Death: up to £600; cremation: £100 | Death: up to £600; cremation: £100 | Death: up to £1,500; cremation: £200 |
| Euthanasia | Covered up to £100 | Covered up to £100 | Covered up to £100 | Covered up to £200 |
| Theft/loss/search fees | Theft/loss: up to £600; ad £600 reward/publicity | Theft/loss: up to £600; ad £600 reward/publicity | Theft/loss: up to £600; ad £600 reward/publicity | Theft/loss: up to £1,500; £1,250 reward; £750 ad |
| Boarding (owner hospital stay) | Not covered | £60/week, up to £600/year | £60/week, up to £600/year | £70/week, up to £750/year |
| Holiday cancellation/curtailment | Not covered | Not covered | Not covered | Up to £3,000 (pet illness/death/accident/loss) |
| Foreign vet fees (travel) | Not covered | Not covered | Not covered | Up to £2,000/year |
| Quarantine costs | Not covered | Not covered | Not covered | Up to £2,000 |
| Emergency expenses abroad | Not covered | Not covered | Not covered | Up to £500 (other travel emergencies) |
| Lost certificate (PETS) | Not covered | Not covered | Not covered | Up to £250 |
| Repeat tapeworm treatment abroad | Not covered | Not covered | Not covered | Up to £500 |
| Civil liability (dogs only) | £1,000,000 limit; £250 excess | £1,000,000 limit; £250 excess | £1,000,000 limit; £250 excess | £2,000,000 limit; £250 excess |
| Health declaration/annual review required | Yes (annual review, premium/franchise may adjust) | Yes | Yes | Yes |
NC = Not Communicated (not specified in source materials)
Good to know
- No cover for treatment/prevention of conditions arising in first 14 days after policy starts, or pre-existing/vaccination-preventable illnesses.
- No wellness/prevention budget in any plan (vaccines, flea/worm, descaling, neutering, and daily care products all excluded).
- Pet must be older than 8 weeks at sign-up; some dog breeds not eligible.
- Upgrade of excess by £100 from 9 years of age; check policy for exact excess per claim.
- Most caps apply per policy year, except Essential (per condition up to 12 months).
- Policy includes vetfone™ helpline, legal advice and bereavement support for all tiers.
- For loss/theft: payout only after 90 days if pet not found; proof of advertising/search expenses required.
- Behaviour and prescription food only in Premier, and strictly with vet recommendation.
- In case of pet’s death: proof of purchase or breed/age assessment is required for benefit payment.
M&S exclusions
M&S Pet Insurance applies a classic set of exclusions such as pre-existing medical conditions, illnesses or accidents occurring within 14 days of policy inception, preventive and comfort care, pregnancy, and elective procedures, but stands out for its strict exclusion of animals under 8 weeks and for excluding any pet used for commercial, breeding (over 2 litters in a lifetime), or professional purposes.
Dangerous or banned dog breeds, as well as their crosses, are not eligible under any circumstances, and civil liability for damages is not covered for family members or professionals in charge of the pet.
Cover outside of the UK is strictly limited to the Premier option, and even then, assistance abroad is subject to strict adherence to PETS (DEFRA) regulations—non-compliance voids any foreign claims.
Behavioural therapies and prescribed diet are only considered under the Premier plan; all lower plans systematically exclude these.
Claims resulting from fraud, non-disclosure, or violation of key contractual obligations (including lapses in required vaccinations) lead to outright denial of coverage.
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Pre-existing conditions - Illness/injury starting within 14 days after subscription - Routine/preventive treatments (vaccinations, flea/tick/worm medications) - Elective/cosmetic procedures - Comfort care - Pregnancy and birth - Behavioural treatments (unless Premier) - Prescription diet (unless Premier) - Dental care for illness (unless Standard/Plus/Premier); Essential covers accidental dental only |
| Geographical Exclusions | - No cover abroad except under Premier, and solely in territories listed (UK, Channel Islands, Isle of Man, EU for Premier) - Abroad: strict PETS (DEFRA) compliance required or all foreign claims excluded - Travel cover limited to specific durations (max 3 trips/year, 60 days/trip with Premier) |
| Identification/Breed Exclusions | - Any pet under 8 weeks old at policy start - Dangerous or banned breeds, or their crosses - Working/commercial pets (including breeders with >2 litters lifetime) - Pets used in professional activities or for monetary gain |
| Liability Exclusions | - Civil liability claims involving family members or caretakers - Damage related to excluded breeds - Liability not covered for non-private uses |
| Administrative/Contractual Exclusions | - Claims resulting from fraud, misstatement, or non-disclosure - Failure to comply with required vaccinations - Claims for incidents under acts of war, notifiable diseases (DEFRA-listed) - Claims outside stated claim submission periods (e.g. not reported within 60 days) - Non-respect of contractual obligations (moving without notifying, etc.) |
- Illness/injury starting within 14 days after subscription
- Routine/preventive treatments (vaccinations, flea/tick/worm medications)
- Elective/cosmetic procedures
- Comfort care
- Pregnancy and birth
- Behavioural treatments (unless Premier)
- Prescription diet (unless Premier)
- Dental care for illness (unless Standard/Plus/Premier); Essential covers accidental dental only
- Abroad: strict PETS (DEFRA) compliance required or all foreign claims excluded
- Travel cover limited to specific durations (max 3 trips/year, 60 days/trip with Premier)
- Dangerous or banned breeds, or their crosses
- Working/commercial pets (including breeders with >2 litters lifetime)
- Pets used in professional activities or for monetary gain
- Damage related to excluded breeds
- Liability not covered for non-private uses
- Failure to comply with required vaccinations
- Claims for incidents under acts of war, notifiable diseases (DEFRA-listed)
- Claims outside stated claim submission periods (e.g. not reported within 60 days)
- Non-respect of contractual obligations (moving without notifying, etc.)
M&S prices
Overall, M&S Pet Insurance is positioned just above the mid-market in terms of price, reflecting a strong breadth of guarantees, robust annual reimbursement caps, and low to moderate excess levels across its tiers. The essential formula covers key risks but remains competitive, whereas Standard, Plus and Premier offer extensive benefits (dental, emergency boarding, death, theft, travel) that surpass many entry-level or purely online insurers, especially on premium formulas with higher annual limits and added support services (e.g., vetfone 24/7, legal helplines). Unlike some pure players, M&S operates via RSA's classic management structure, which can mean slightly higher admin costs but provides access to a mature claims service and comprehensive customer support. The Premier plan is relatively high-priced but offers rare international benefits and broader cover, suiting those seeking maximum peace of mind. In summary, M&S sits between mainstream and premium, targeting customers seeking strong, reliable coverage at a price justified by generous limits and added services rather than stripped-down affordability.
| Essential | Standard | Plus | Premier | |
|---|---|---|---|---|
| Young cat (2-4 yrs) | £11/month | £17/month | £23/month | £31/month |
| Senior cat (7-8 yrs) | £17/month | £25/month | £34/month | £45/month |
| Small dog (2-4 yrs) | £15/month | £23/month | £30/month | £42/month |
| Small dog (7-8 yrs) | £25/month | £36/month | £49/month | £62/month |
| Large dog (2-4 yrs) | £19/month | £29/month | £37/month | £53/month |
| Senior dog (7-8 yrs) | £35/month | £53/month | £67/month | £89/month |
Compare several pet insurers to find your best cover at the lowest price for your animal's needs.
👉 Compare pet insurance plans for freeStart saving on vet billsM&S Promo Codes
| M&S Promo Codes | Details |
|---|---|
| Multi-pet discount | 10% discount when insuring multiple pets; request when subscribing |
How much will I be reimbursed with M&S?
| Type of treatment | Average price (GBP) | Reimbursement & out-of-pocket (Premier) |
|---|---|---|
| Spay/neuter surgery | £250 | Not covered (preventive treatment). Out-of-pocket: £250 |
| Vaccinations | £60 | Not covered (preventive treatment). Out-of-pocket: £60 |
| Accident-related surgery | £1,000 | Reimbursed £1,000 (up to annual limit, excluding excess). Out-of-pocket: £0 (excluding excess) |
| Consultation & medication | £120 | Reimbursed £120 (up to annual limit, excluding excess). Out-of-pocket: £0 (excluding excess) |
| Dental treatment (illness or accident) | £400 | Reimbursed £400 (up to the annual and dental limit, excluding excess). Out-of-pocket: £0 (excluding excess) |
Out-of-pocket: £250
Out-of-pocket: £60
Out-of-pocket: £0 (excluding excess)
Out-of-pocket: £0 (excluding excess)
Out-of-pocket: £0 (excluding excess)
NB:
- "Reimbursed" amounts shown here are before the annual policy excess/deductible.
- Spay/neuter and vaccines are not reimbursed by any M&S formula as they are preventive.
- Premier offers the highest annual reimbursement limit (up to £10,000/year).
- Remainder to be paid by the client (out-of-pocket) does not include the policy excess.
- Actual costs vary by region and veterinary clinic.
M&S Support
M&S Pet Insurance provides a valuable 24/7 vetfone™ hotline, offering unlimited telephone access to qualified veterinary nurses, which is a strong asset for immediate guidance in a health emergency. The assistance package is also notable for its dedicated legal helpline and support lines for bereavement, ensuring holistic support beyond medical care. However, the offer lacks a video teleconsultation service and does not provide a direct payment solution or advance of fees at vet clinics, which can be limiting for policyholders facing unexpected expenses. While claim submission and follow-up are available online, the absence of a dedicated M&S mobile app means users cannot benefit from integrated claim management, digital policy documents, or notifications on their phones. Finally, international travel coverage remains strictly limited to the Premier plan, only for trips within Europe and under defined conditions.
| Assistance M&S | Available? | Details |
|---|---|---|
| Advance of fees | ❌ | No direct payment or advance of fees system (such as Payvet, Petcard, Carecredit) is available. Payment is always made to customer or vet after claim approval. |
| Payment facilities | ✅ | Monthly direct debit is available at no extra cost. Annual upfront payment option is also offered. |
| Mobile app | ❌ | No dedicated M&S Pet Insurance app available. Claims and contract management are done online via web forms. No mobile notifications or in-app experience. |
| Digital claim management | ✅ | Claims can be submitted and tracked online via a secure portal. Both clients and vets can upload required documents. |
| Veterinary emergency | ✅ | 24/7 unlimited vetfone™ access with qualified nurses for medical triage and advice. No video or in-person emergency consultation service included. |
| Veterinary/clinic partner network | ❌ | No proprietary partner network—clients are free to use any licensed UK or European vet (within policy terms). |
| Foreign coverage | ✅ | Only available with Premier plan: up to 3 trips/year, max 60 days each, in the EU/PETS compliant countries. Includes medical, emergency and travel-related claims. |
Customer feedback on M&S
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | No public TrustScore or review count published for M&S Pet Insurance as of now (profile exists, but lacks >100 reviews) |
| Reviews.io | Not listed or insufficient number of reviews for citation |
| Feefo | Not listed or insufficient number of reviews for citation |
We have analysed customer reviews from the sources above and various thematic feedback.
On the positive side, policyholders who have taken out an M&S Pet Insurance contract for their pet frequently mention:
- A comprehensive choice of cover levels, allowing for tailored protection and flexibility to match the animal’s needs and household budget: owners appreciate clear options for both “per condition” and annual limits, as well as extensions for travel and add-ons.
- The inclusion of support services such as vetfone™ 24/7 advice line: clients value being able to consult veterinary nurses at any time without extra charges, which is reassuring especially when unsure whether a vet visit is needed.
- Easy digital claims process and customer service accessibility: claim forms can be submitted online, status can be tracked, and the ability to speak to a UK-based adviser is perceived positively.
- Multi-pet discount and clear communication at renewal: customers with multiple animals note the 10% multi-pet discount as a plus, and appreciate reminders and renewal communication.
- Affiliation with Marks & Spencer and RSA gives some owners added confidence in the brand and its financial backing.
On the negative side:
- A number of exclusions—particularly for pre-existing conditions, routine and preventive care, or breed-specific health issues—are frequently cited as disappointing, especially by those not reading the policy carefully before purchasing.
- Annual premium increases as the pet ages and occasional sudden price hikes at renewal create frustration among clients, especially where no claims have been made.
- Limits and sub-limits (such as “per condition,” annual dental limits, or overseas cover) sometimes result in lower reimbursements than expected, especially for recurring or chronic conditions.
- Claims process, while online, still sometimes requires significant documentation from vets and owners, leading to occasional delays or requests for additional evidence.
- There are reports of declined claims for ambiguous reasons (e.g., interpretation of “linked conditions” or timing related to waiting periods), which can cause dissatisfaction and a perception of lack of transparency.
- Some customers regret that helpline and customer service hours are limited on weekends for non-emergency questions, compared to some competitors with extended hours.
How can I contact M&S?
| Service client M&S | Détails |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe best pet insurance comparison tool, select the plan that suits you and click to get a quote. |
| To claim and track a reimbursement | - Fill in the claim form online (for ongoing treatments or new claims) available here. - Attach all supporting invoices and, if needed, additional relevant documents (proof of payment, prescription, diagnosis, etc.). - Claims must be made within 60 days after treatment. - You can choose to have the payment made directly to you or to the treating vet. - Track your claim status online. - For questions, use the live chat on the site, call 0800 980 8750 (Mon–Fri 8am-6pm, Sat 9am-1pm), or email via the form/contact on the M&S Pet Insurance portal. - Average reimbursement time: most cases are settled within a few working days after receipt of documents. |
| To obtain an insurance certificate | - Contact customer service: Phone: 0800 980 8740 or via the online portal/contact form. Have your policy number ready. - Request can also be sent by post: M&S Pet Insurance, Customer Relations Team, PO Box 255, Wymondham, NR18 8DP. |
| To contact assistance | - For veterinary helpline 24/7 (vetfone™): 0800 980 5583. - For legal advice: 0800 980 5580 (24/7). - For pet bereavement support: 0800 980 5581 (24/7). - For DEFRA/PET travel info: 0345 933 5577. - For other services (pet-sitting, trainers, cemeteries, etc.): 0800 980 8740. All numbers are free from UK landlines/mobile. |
| To cancel my contract | - Contact the customer service by phone: 0800 980 8740, or write to: M&S Pet Insurance, Customer Relations Team, PO Box 255, Wymondham, NR18 8DP. - Mention your policy number, and specify your wish to cancel. - Notice period: You can cancel at any time. If you cancel within 14 days of receiving your policy documents, you will be fully refunded if no claim has been made ("cooling-off" period). After this, you may be refunded pro-rata for the unused period, provided no claim was paid. - Attach a signed written cancellation request if contacting by post/e-mail. - No specific document required, but have your police details ready. For deceased pets, attach a proof (vet certificate or similar). - Refund is usually processed within a few working days after cancellation confirmation. |
- Attach all supporting invoices and, if needed, additional relevant documents (proof of payment, prescription, diagnosis, etc.).
- Claims must be made within 60 days after treatment.
- You can choose to have the payment made directly to you or to the treating vet.
- Track your claim status online.
- For questions, use the live chat on the site, call 0800 980 8750 (Mon–Fri 8am-6pm, Sat 9am-1pm), or email via the form/contact on the M&S Pet Insurance portal.
- Average reimbursement time: most cases are settled within a few working days after receipt of documents.
Phone: 0800 980 8740
or via the online portal/contact form.
Have your policy number ready.
- Request can also be sent by post: M&S Pet Insurance, Customer Relations Team, PO Box 255, Wymondham, NR18 8DP.
- For legal advice: 0800 980 5580 (24/7).
- For pet bereavement support: 0800 980 5581 (24/7).
- For DEFRA/PET travel info: 0345 933 5577.
- For other services (pet-sitting, trainers, cemeteries, etc.): 0800 980 8740.
All numbers are free from UK landlines/mobile.
- Mention your policy number, and specify your wish to cancel.
- Notice period: You can cancel at any time. If you cancel within 14 days of receiving your policy documents, you will be fully refunded if no claim has been made ("cooling-off" period). After this, you may be refunded pro-rata for the unused period, provided no claim was paid.
- Attach a signed written cancellation request if contacting by post/e-mail.
- No specific document required, but have your police details ready. For deceased pets, attach a proof (vet certificate or similar).
- Refund is usually processed within a few working days after cancellation confirmation.
FAQ
Do I need to pay the vet upfront with M&S Pet Insurance?
With M&S Pet Insurance, you typically pay the vet first and then claim back the eligible costs. However, in some cases, and if your vet agrees, payment can be made directly to the vet at the insurer's discretion. Always discuss payment options with your vet and notify M&S when making a claim if you’d prefer direct payment to the veterinary practice.
How do I cancel my M&S pet insurance policy?
To cancel your M&S pet insurance policy, contact Royal & Sun Alliance Insurance Ltd by phone or email. There is no fixed notice period; cancellation can be requested at any time, with possible pro-rata refund depending on claim history. Make sure to provide your policy number and proof of identity when requesting cancellation.
What types of cover does M&S Pet Insurance offer?
M&S provides four levels of cover: Essential, Standard, Plus, and Premier. These range from time-limited cover (Essential) to comprehensive annual limits with worldwide features (Premier). Coverage includes vet fees, public liability (for dogs), loss/theft, and, with some plans, emergency boarding and travel extras. Choose the plan that fits your pet’s needs and your budget.
Are there any exclusions I need to be aware of?
Yes, M&S Pet Insurance does not cover pre-existing conditions, routine or preventative treatments (like vaccinations or flea control), animals under 8 weeks old at the policy start, and certain restricted dog breeds. There are also waiting periods after you first take out your policy, and some limits for older pets. Check your policy document for a full list of exclusions.
How do I make a claim with M&S Pet Insurance?
To claim, fill out the online claim form—either you or your vet can do this. You'll need to provide itemised invoices and your vet may need to supply medical notes. Submit these through the online portal, by email, or post. Claims should be made within 60 days of treatment, and you can choose for reimbursement to be paid to you or directly to your vet (if your vet agrees).
Do I need to pay the vet upfront with M&S Pet Insurance?
With M&S Pet Insurance, you typically pay the vet first and then claim back the eligible costs. However, in some cases, and if your vet agrees, payment can be made directly to the vet at the insurer's discretion. Always discuss payment options with your vet and notify M&S when making a claim if you’d prefer direct payment to the veterinary practice.
How do I cancel my M&S pet insurance policy?
To cancel your M&S pet insurance policy, contact Royal & Sun Alliance Insurance Ltd by phone or email. There is no fixed notice period; cancellation can be requested at any time, with possible pro-rata refund depending on claim history. Make sure to provide your policy number and proof of identity when requesting cancellation.
What types of cover does M&S Pet Insurance offer?
M&S provides four levels of cover: Essential, Standard, Plus, and Premier. These range from time-limited cover (Essential) to comprehensive annual limits with worldwide features (Premier). Coverage includes vet fees, public liability (for dogs), loss/theft, and, with some plans, emergency boarding and travel extras. Choose the plan that fits your pet’s needs and your budget.
Are there any exclusions I need to be aware of?
Yes, M&S Pet Insurance does not cover pre-existing conditions, routine or preventative treatments (like vaccinations or flea control), animals under 8 weeks old at the policy start, and certain restricted dog breeds. There are also waiting periods after you first take out your policy, and some limits for older pets. Check your policy document for a full list of exclusions.
How do I make a claim with M&S Pet Insurance?
To claim, fill out the online claim form—either you or your vet can do this. You'll need to provide itemised invoices and your vet may need to supply medical notes. Submit these through the online portal, by email, or post. Claims should be made within 60 days of treatment, and you can choose for reimbursement to be paid to you or directly to your vet (if your vet agrees).
