Is Tesco Pet Insurance Worth It? Our Review 2025

Our Expert's Opinion on Tesco

Last update: 27 May 2025
Tesco
Tesco
4.2
hellosafe-logoScore
Charlotte Green
Charlotte Green

Tesco Pet Insurance stands as a top-tier provider in the UK pet insurance market, offering three comprehensive plans: Time Limited (12 months/condition), Maximum Benefit (up to £7,500/condition), and Lifetime Cover (up to £11,000/year, renewable annually). Reimbursements cover a broad range of veterinary fees, innovative treatments, emergencies abroad, death, theft, liability (dogs), and include cover for dental care (with regular check-ups).

Tesco’s policies are flexible and feature competitive limits, with excesses defined per policy and an additional 20% co-pay for older pets. Prices are attractive for first-time buyers, especially with Clubcard discounts and multi-pet options, though premiums often rise steeply over time or after claims. Compared with competitors like Petplan and ManyPets,

Tesco positions itself between mass-market value and strong feature coverage, with especially strong digital processes and 24/7 tele-vet support via Vetfone. Tesco is particularly suitable for owners of young pets, households insuring multiple dogs or cats, those seeking paperless management and quick claims, or needing high annual vet-fee limits. The contract is not ideal for excluded breeds or animals with significant pre-existing conditions.

Backed by Pinnacle Insurance plc, among the UK's leading underwriters, with over 2 million Clubcard insurance policyholders across products, Tesco Pet Insurance is regarded as financially robust. Trustpilot feedback is broadly positive about customer service and clarity, but some report long claims processing and steep annual price hikes; Tesco Insurance ranks #71/110 UK insurers. Claims are generally resolved within 5 working days, via a fully digital claims portal.

  • Comprehensive range of cover with Lifetime, Maximum, and Time Limited options
  • High annual vet fee limits up to £11,000 (Lifetime)
  • Vetfone 24/7 remote veterinary advice included at no extra cost
  • Digital-first: claims and policy management online, 5-day average settlement
  • Full dental cover (with conditions)
  • Multi-pet discount and Clubcard price advantages
  • Covers complementary and innovative treatments, as prescribed
  • Premiums can double after claims or with pet ageing
  • Strict age and breed entry limits; some breeds excluded
  • 20% co-insurance on older pets in addition to excess
  • No cover for pre-existing conditions
  • Travel and liability cover limited outside the UK
  • Comprehensive range of cover with Lifetime, Maximum, and Time Limited options
  • High annual vet fee limits up to £11,000 (Lifetime)
  • Vetfone 24/7 remote veterinary advice included at no extra cost
  • Digital-first: claims and policy management online, 5-day average settlement
  • Full dental cover (with conditions)
  • Multi-pet discount and Clubcard price advantages
  • Covers complementary and innovative treatments, as prescribed

Our Expert's Opinion on Tesco

Last update: 27 May 2025
Charlotte Green
Charlotte Green
Tesco
Tesco
4.2
hellosafe-logoScore
Tesco Pet Insurance stands as a top-tier provider in the UK pet insurance market, offering three comprehensive plans: Time Limited (12 months/condition), Maximum Benefit (up to £7,500/condition), and Lifetime Cover (up to £11,000/year, renewable annually). Reimbursements cover a broad range of veterinary fees, innovative treatments, emergencies abroad, death, theft, liability (dogs), and include cover for dental care (with regular check-ups). Tesco’s policies are flexible and feature competitive limits, with excesses defined per policy and an additional 20% co-pay for older pets. Prices are attractive for first-time buyers, especially with Clubcard discounts and multi-pet options, though premiums often rise steeply over time or after claims. Compared with competitors like Petplan and ManyPets, Tesco positions itself between mass-market value and strong feature coverage, with especially strong digital processes and 24/7 tele-vet support via Vetfone. Tesco is particularly suitable for owners of young pets, households insuring multiple dogs or cats, those seeking paperless management and quick claims, or needing high annual vet-fee limits. The contract is not ideal for excluded breeds or animals with significant pre-existing conditions. Backed by Pinnacle Insurance plc, among the UK's leading underwriters, with over 2 million Clubcard insurance policyholders across products, Tesco Pet Insurance is regarded as financially robust. Trustpilot feedback is broadly positive about customer service and clarity, but some report long claims processing and steep annual price hikes; Tesco Insurance ranks #71/110 UK insurers. Claims are generally resolved within 5 working days, via a fully digital claims portal.
  • Comprehensive range of cover with Lifetime, Maximum, and Time Limited options
  • High annual vet fee limits up to £11,000 (Lifetime)
  • Vetfone 24/7 remote veterinary advice included at no extra cost
  • Digital-first: claims and policy management online, 5-day average settlement
  • Full dental cover (with conditions)
  • Multi-pet discount and Clubcard price advantages
  • Covers complementary and innovative treatments, as prescribed
  • Premiums can double after claims or with pet ageing
  • Strict age and breed entry limits; some breeds excluded
  • 20% co-insurance on older pets in addition to excess
  • No cover for pre-existing conditions
  • Travel and liability cover limited outside the UK
  • Comprehensive range of cover with Lifetime, Maximum, and Time Limited options
  • High annual vet fee limits up to £11,000 (Lifetime)
  • Vetfone 24/7 remote veterinary advice included at no extra cost
  • Digital-first: claims and policy management online, 5-day average settlement
  • Full dental cover (with conditions)
  • Multi-pet discount and Clubcard price advantages
  • Covers complementary and innovative treatments, as prescribed
Table of Contents
  • Tesco warranties
  • Tesco exclusions
  • Tesco prices
  • Tesco Support
  • Customer feedback on Tesco
  • How can I contact Tesco?
  • FAQ
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Why trust HelloSafe?

At HelloSafe, our pet insurance expert reviews the terms and pricing of policies on the UK market each year to provide you with a reliable and impartial analysis. Thanks to this rigorous approach, hundreds of thousands of users across the UK trust us every month to help them make their most important financial decisions.

Tesco warranties

Tesco offers three main pet insurance plans—Lifetime, Maximum Benefit, and Time Limited—adapting to different budgets and needs, all with detailed cover for accidents, illness and additional services like Vetfone 24/7 helpline.

The Lifetime option is notably competitive with annual veterinary fee limits up to £11,000, unlimited renewals, and flexibility to adjust the level of cover, suiting owners seeking long-term, robust security.

Reimbursement rates are not explicitly fixed but policies include variable excess (min. £ excess + 20% for older pets) and specific limits per claim or per year, with swift 5-day claims handling and multi-pet discounts.

Standout strengths are broad medical coverage (including dental under conditions), travel, complementary therapies, and high liability limits for dogs; but the lack of routine/preventative care funding, strict breed and use exclusions, and rising premiums with age or claims are significant limitations.

Notably, pre-existing conditions are never covered and all policies impose set waiting periods: 3 days for accidents and 14 days for illnesses/most extras.

Lifetime CoverMaximum Benefit CoverTime Limited Cover
Positioning of the productLong-term, most comprehensiveMedium-term, per conditionShort-term, per condition
Type of coverAccident, illness, injury, travelAccident, illness, injury, travelAccident, illness, injury, travel
Animals coveredDogs and catsDogs and catsDogs and cats
Reimbursement rate (%)NC (variable, subject to limits/excess)NC (variable, subject to limits/excess)NC (variable, subject to limits/excess)
Annual vet fee limit£3,000 / £5,000 / £7,500 / £11,000 (reset yearly)£5,000 / £7,500 per condition, not reset£3,000 / £5,000, valid 12 months/condition
Excess (policyholder contribution)Fixed £ excess + 20% for older petsFixed £ excess + 20% for older petsFixed £ excess + 20% for older pets
Age min-max for subscription (dogs)8 weeks to before 8th birthday (some breeds before 5)8 weeks to before 8th birthday (some breeds before 5)8 weeks to before 8th birthday (some breeds before 5)
Age min-max for subscription (cats)8 weeks to before 10th birthday8 weeks to before 10th birthday8 weeks to before 10th birthday
Prior health questionnaireNCNCNC
Waiting period—illness14 days from start14 days from start14 days from start
Waiting period—accident3 days from start3 days from start3 days from start
Insured for life once accepted?✅ (continuous renewals)❌ (coverage ends once max reached/condition)❌ (12 months max/condition)
Standard/emergency/specialist vet consults
Medications
Hospitalisation
Ambulance costsEssential onlyEssential onlyEssential only
Surgery, anaesthesia
Scans (MRI, CT, ultrasound)
Laboratory analyses
Radiotherapy
Dental treatment✅ (conditions apply)✅ (conditions apply)✅ (conditions apply)
Descaling (routine)
Preventive care package (vaccines, etc.)
Complementary therapies (physio etc.)✅ (up to annual/claim limits)✅ (up to annual/claim limits)✅ (up to annual/claim limits)
Diet food (therapeutic)25% reimbursed, max. 6 months/condition, if prescribed25% reimbursed, max. 6 months/condition, if prescribed25% reimbursed, max. 6 months/condition, if prescribed
Countries covered/travelUK, EU, Channel Islands, Isle of Man (90 days/year)UK, EU, Channel Islands, Isle of Man (90 days/year)UK, EU, Channel Islands, Isle of Man (90 days/year)
Death/cremationUp to £1,500 (death), up to £200 (cremation, limits by age)Up to £1,500 (death), up to £200 (cremation, limits by age)Up to £1,500 (death), up to £200 (cremation, limits by age)
Euthanasia✅ (as recommended by vet)✅ (as recommended by vet)✅ (as recommended by vet)
Theft/loss of pet + search costsUp to £1,500 (not found after 30 days), £1,000 advertising/rewardUp to £1,500 (not found after 30 days), £1,000 advertising/rewardUp to £1,500 (not found after 30 days), £1,000 advertising/reward
Boarding fees (owner hospitalisation >48h)£15/day, up to annual/claim limits£15/day, up to annual/claim limits£15/day, up to annual/claim limits
Tesco pet insurance: main plan features and comparative benefits.
Positioning of the product
Lifetime Cover
Long-term, most comprehensive
Maximum Benefit Cover
Medium-term, per condition
Time Limited Cover
Short-term, per condition
Type of cover
Lifetime Cover
Accident, illness, injury, travel
Maximum Benefit Cover
Accident, illness, injury, travel
Time Limited Cover
Accident, illness, injury, travel
Animals covered
Lifetime Cover
Dogs and cats
Maximum Benefit Cover
Dogs and cats
Time Limited Cover
Dogs and cats
Reimbursement rate (%)
Lifetime Cover
NC (variable, subject to limits/excess)
Maximum Benefit Cover
NC (variable, subject to limits/excess)
Time Limited Cover
NC (variable, subject to limits/excess)
Annual vet fee limit
Lifetime Cover
£3,000 / £5,000 / £7,500 / £11,000 (reset yearly)
Maximum Benefit Cover
£5,000 / £7,500 per condition, not reset
Time Limited Cover
£3,000 / £5,000, valid 12 months/condition
Excess (policyholder contribution)
Lifetime Cover
Fixed £ excess + 20% for older pets
Maximum Benefit Cover
Fixed £ excess + 20% for older pets
Time Limited Cover
Fixed £ excess + 20% for older pets
Age min-max for subscription (dogs)
Lifetime Cover
8 weeks to before 8th birthday (some breeds before 5)
Maximum Benefit Cover
8 weeks to before 8th birthday (some breeds before 5)
Time Limited Cover
8 weeks to before 8th birthday (some breeds before 5)
Age min-max for subscription (cats)
Lifetime Cover
8 weeks to before 10th birthday
Maximum Benefit Cover
8 weeks to before 10th birthday
Time Limited Cover
8 weeks to before 10th birthday
Prior health questionnaire
Lifetime Cover
NC
Maximum Benefit Cover
NC
Time Limited Cover
NC
Waiting period—illness
Lifetime Cover
14 days from start
Maximum Benefit Cover
14 days from start
Time Limited Cover
14 days from start
Waiting period—accident
Lifetime Cover
3 days from start
Maximum Benefit Cover
3 days from start
Time Limited Cover
3 days from start
Insured for life once accepted?
Lifetime Cover
✅ (continuous renewals)
Maximum Benefit Cover
❌ (coverage ends once max reached/condition)
Time Limited Cover
❌ (12 months max/condition)
Standard/emergency/specialist vet consults
Lifetime Cover
Maximum Benefit Cover
Time Limited Cover
Medications
Lifetime Cover
Maximum Benefit Cover
Time Limited Cover
Hospitalisation
Lifetime Cover
Maximum Benefit Cover
Time Limited Cover
Ambulance costs
Lifetime Cover
Essential only
Maximum Benefit Cover
Essential only
Time Limited Cover
Essential only
Surgery, anaesthesia
Lifetime Cover
Maximum Benefit Cover
Time Limited Cover
Scans (MRI, CT, ultrasound)
Lifetime Cover
Maximum Benefit Cover
Time Limited Cover
Laboratory analyses
Lifetime Cover
Maximum Benefit Cover
Time Limited Cover
Radiotherapy
Lifetime Cover
Maximum Benefit Cover
Time Limited Cover
Dental treatment
Lifetime Cover
✅ (conditions apply)
Maximum Benefit Cover
✅ (conditions apply)
Time Limited Cover
✅ (conditions apply)
Descaling (routine)
Lifetime Cover
Maximum Benefit Cover
Time Limited Cover
Preventive care package (vaccines, etc.)
Lifetime Cover
Maximum Benefit Cover
Time Limited Cover
Complementary therapies (physio etc.)
Lifetime Cover
✅ (up to annual/claim limits)
Maximum Benefit Cover
✅ (up to annual/claim limits)
Time Limited Cover
✅ (up to annual/claim limits)
Diet food (therapeutic)
Lifetime Cover
25% reimbursed, max. 6 months/condition, if prescribed
Maximum Benefit Cover
25% reimbursed, max. 6 months/condition, if prescribed
Time Limited Cover
25% reimbursed, max. 6 months/condition, if prescribed
Countries covered/travel
Lifetime Cover
UK, EU, Channel Islands, Isle of Man (90 days/year)
Maximum Benefit Cover
UK, EU, Channel Islands, Isle of Man (90 days/year)
Time Limited Cover
UK, EU, Channel Islands, Isle of Man (90 days/year)
Death/cremation
Lifetime Cover
Up to £1,500 (death), up to £200 (cremation, limits by age)
Maximum Benefit Cover
Up to £1,500 (death), up to £200 (cremation, limits by age)
Time Limited Cover
Up to £1,500 (death), up to £200 (cremation, limits by age)
Euthanasia
Lifetime Cover
✅ (as recommended by vet)
Maximum Benefit Cover
✅ (as recommended by vet)
Time Limited Cover
✅ (as recommended by vet)
Theft/loss of pet + search costs
Lifetime Cover
Up to £1,500 (not found after 30 days), £1,000 advertising/reward
Maximum Benefit Cover
Up to £1,500 (not found after 30 days), £1,000 advertising/reward
Time Limited Cover
Up to £1,500 (not found after 30 days), £1,000 advertising/reward
Boarding fees (owner hospitalisation >48h)
Lifetime Cover
£15/day, up to annual/claim limits
Maximum Benefit Cover
£15/day, up to annual/claim limits
Time Limited Cover
£15/day, up to annual/claim limits
Tesco pet insurance: main plan features and comparative benefits.
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Good to know

No coverage for routine, cosmetic or preventive care (vaccines, neutering, routine dental, annual check-ups).

Common hereditary/congenital issues, pre-existing conditions, and some excluded breeds are never covered.

Premiums increase annually and after claims; a compulsory co-payment (+20%) applies for older pets.

Claims must be submitted within 12 months of treatment with detailed receipts required.

Liability cover for dogs only (up to £2 million), and excluded outside of UK/Isle of Man/Channel Islands.

Compare plans before enrolling to ensure you get the best rate for your pet’s needs.

👉 Compare pet insurance plans for freeStart saving on vet bills

Tesco exclusions

Exclusions in Tesco Pet Insurance contracts follow standard UK market practice for pre-existing conditions, congenital illnesses, waiting periods (3 days for accidents, 14 days for illness), and routine/wellness care outside prevention add-ons.

Of note is the outright exclusion of a large number of breeds and breed mixes under the Dangerous Dogs Act, with several popular “type breeds” systematically declined—a stricter stance than some direct competitors.

Another strong differentiator is that any use of the pet for work—guard, hunting, farm, racing, sport, or rescue—voids cover, and responsibility cover never applies outside the UK or local islands.

Claims are refused if vaccination schedules are not strictly met, if the pet is not resident in the UK, or if the microchip is not properly functioning for travel risks—Tesco enforces these requirements rigorously.

A key restriction: cover for death by illness ceases at 10 years for cats and, depending on breed, at 5 or 8 years for dogs, which can leave older pets uncovered for one of the main guarantees.

ExclusionsDetails
Pre-existing / Medical history- Any condition, illness, injury with symptoms or knowledge prior to contract start
- Conditions diagnosed/treated within the waiting period (3 days accident, 14 days illness after start)
- Conditions recurring from pre-existing symptoms
- Complications due to cosmetic procedures
- Anything after time limit/plafond (on Time Limited/Maximum plans)
Age & Breed Restrictions- Initial cover refused for cats aged 10+ or for dogs aged 8+ (5+ for certain breeds)
- Death by illness not covered if above 10 years (cats), 8/5 years (dogs)
- Breeds listed under the Dangerous Dogs Act and associated crossbreeds systematically excluded
- Any dog required to be declared under UK law
Routine, Preventive, Legally Required- Vaccinations not up to date (all risks)
- Routine or elective treatments (neutering, grooming, regular checkups, dental cleanings except due to accident/illness and only with annual check validation)
- Expenses if obligations for chip registration or lawful identification are not met
Use, Location & Circumstances- Any pet used for work: guard, hunt, farm, sport, racing, rescue/service animal
- Any incident abroad except where EU/islands extension applies and only with full compliance to UK/EU travel health rules
- RC (liability) not covered outside UK, Channel Islands, Isle of Man
- Non-resident pets (outside registered UK home address)
Administrative / Fraud / Non-compliance- Fraud, inaccurate or omitted declarations at proposal or claim
- Claims submitted outside a 12-month delay from cost
- Failure to pay premiums (cover suspended)
- Lack of itemised bills, reports, or required documentation
- Failure to inform insurer of material changes without delay
Special Events & External Risks- Epidemics/pandemics as declared by DEFRA, APHA, WHO
- War, terrorism, nuclear/radiation incidents, pollution, government-imposed quarantines
- Illegal import/breach of animal movement or health laws
- Claims for deliberate/neglectful acts or lack of care, including negligence
Travel & Identification- Travel claims refused if microchip not tested/working before departure
- No compensation for lost travel documents if not declared to police within 7 days
- Quarantine cover refused if pet did not comply with all required checks/documents
- No costs covered outside of designated (listed) countries/regions
Family/Household/Relationship- Liability/RC claims excluded if injury/loss to policyholder, family, household, or persons paid to care for animal
- Disappearance/award claims excluded if beneficiary is family or pet carer
- No cover for fighting between pets living in the same household, nor for animals with known aggression history
Main exclusions in Tesco Pet Insurance contracts (non-exhaustive list, refer to the official policy document for the complete exclusions).
Pre-existing / Medical history
Details
- Any condition, illness, injury with symptoms or knowledge prior to contract start
- Conditions diagnosed/treated within the waiting period (3 days accident, 14 days illness after start)
- Conditions recurring from pre-existing symptoms
- Complications due to cosmetic procedures
- Anything after time limit/plafond (on Time Limited/Maximum plans)
Age & Breed Restrictions
Details
- Initial cover refused for cats aged 10+ or for dogs aged 8+ (5+ for certain breeds)
- Death by illness not covered if above 10 years (cats), 8/5 years (dogs)
- Breeds listed under the Dangerous Dogs Act and associated crossbreeds systematically excluded
- Any dog required to be declared under UK law
Routine, Preventive, Legally Required
Details
- Vaccinations not up to date (all risks)
- Routine or elective treatments (neutering, grooming, regular checkups, dental cleanings except due to accident/illness and only with annual check validation)
- Expenses if obligations for chip registration or lawful identification are not met
Use, Location & Circumstances
Details
- Any pet used for work: guard, hunt, farm, sport, racing, rescue/service animal
- Any incident abroad except where EU/islands extension applies and only with full compliance to UK/EU travel health rules
- RC (liability) not covered outside UK, Channel Islands, Isle of Man
- Non-resident pets (outside registered UK home address)
Administrative / Fraud / Non-compliance
Details
- Fraud, inaccurate or omitted declarations at proposal or claim
- Claims submitted outside a 12-month delay from cost
- Failure to pay premiums (cover suspended)
- Lack of itemised bills, reports, or required documentation
- Failure to inform insurer of material changes without delay
Special Events & External Risks
Details
- Epidemics/pandemics as declared by DEFRA, APHA, WHO
- War, terrorism, nuclear/radiation incidents, pollution, government-imposed quarantines
- Illegal import/breach of animal movement or health laws
- Claims for deliberate/neglectful acts or lack of care, including negligence
Travel & Identification
Details
- Travel claims refused if microchip not tested/working before departure
- No compensation for lost travel documents if not declared to police within 7 days
- Quarantine cover refused if pet did not comply with all required checks/documents
- No costs covered outside of designated (listed) countries/regions
Family/Household/Relationship
Details
- Liability/RC claims excluded if injury/loss to policyholder, family, household, or persons paid to care for animal
- Disappearance/award claims excluded if beneficiary is family or pet carer
- No cover for fighting between pets living in the same household, nor for animals with known aggression history
Main exclusions in Tesco Pet Insurance contracts (non-exhaustive list, refer to the official policy document for the complete exclusions).

Tesco prices

Overall, Tesco Pet Insurance positions itself as a competitive player in the UK pet insurance market, especially when considering the breadth of its standard guarantees and the integrated digital services (including 24/7 Vetfone advice and online contract management).

Despite broad coverage – with dental care, death, theft, travel extensions and public liability (for dogs) included even on basic plans – the average monthly premiums remain aligned with or slightly below the market average for equivalent covers.

Tesco keeps costs in check through streamlined, fully digital processes, flexible monthly payments with no added fees, and a Clubcard discount model, making it accessible to value-driven pet owners.

Some coverage elements, such as annual claim caps and co-payment increases for older pets, reflect usual cost-control mechanisms found in this market segment, keeping prices competitive but with greater out-of-pocket risk as pets age.

In short, Tesco is best described as economically competitive and relatively comprehensive versus competitors offering similar digital-first or mid-range policies.

Lifetime (3k£)Lifetime (7.5k£)Maximum Benefit (5k£)Time Limited (3k£)
Young cat (2 - 4 years)£11/mo£18/mo£13/mo£8/mo
Senior cat (7 - 8 years)£19/mo£28/mo£21/mo£15/mo
Small dog (2 - 4 years)£14/mo£23/mo£16/mo£9/mo
Small dog (senior, 7 - 8 years)£26/mo£39/mo£28/mo£18/mo
Large dog (2 - 4 years)£19/mo£31/mo£22/mo£13/mo
Large dog (senior, 7 - 8 years)£32/mo£48/mo£37/mo£22/mo
Average monthly premiums for Tesco Pet Insurance by pet age, type and plan.
Young cat (2 - 4 years)
Lifetime (3k£)
£11/mo
Lifetime (7.5k£)
£18/mo
Maximum Benefit (5k£)
£13/mo
Time Limited (3k£)
£8/mo
Senior cat (7 - 8 years)
Lifetime (3k£)
£19/mo
Lifetime (7.5k£)
£28/mo
Maximum Benefit (5k£)
£21/mo
Time Limited (3k£)
£15/mo
Small dog (2 - 4 years)
Lifetime (3k£)
£14/mo
Lifetime (7.5k£)
£23/mo
Maximum Benefit (5k£)
£16/mo
Time Limited (3k£)
£9/mo
Small dog (senior, 7 - 8 years)
Lifetime (3k£)
£26/mo
Lifetime (7.5k£)
£39/mo
Maximum Benefit (5k£)
£28/mo
Time Limited (3k£)
£18/mo
Large dog (2 - 4 years)
Lifetime (3k£)
£19/mo
Lifetime (7.5k£)
£31/mo
Maximum Benefit (5k£)
£22/mo
Time Limited (3k£)
£13/mo
Large dog (senior, 7 - 8 years)
Lifetime (3k£)
£32/mo
Lifetime (7.5k£)
£48/mo
Maximum Benefit (5k£)
£37/mo
Time Limited (3k£)
£22/mo
Average monthly premiums for Tesco Pet Insurance by pet age, type and plan.

For the lowest price, it’s always worth comparing several insurers, as premiums and guarantees can vary a lot depending on your pet’s profile and your choice of coverage.

👉 Compare pet insurance plans for freeStart saving on vet bills

Tesco promo codes

Tesco promo codesDetails
Multi-pet discount£12 off per additional pet insured
HelloSafe promo code-5% on your quote
Promo codes currently available for Tesco pet insurance
Multi-pet discount
Details
£12 off per additional pet insured
HelloSafe promo code
Details
-5% on your quote
Promo codes currently available for Tesco pet insurance

How much will I be reimbursed with Tesco?

With Tesco Pet Insurance, you are reimbursed according to the formula selected and the annual/lifetime limit chosen for your pet, after deduction of the policy excess ("excess" means the amount you pay towards each claim). The highest Lifetime cover offers up to £11,000 per year, giving you strong protection for both unexpected and significant veterinary bills. Here’s how claim reimbursements typically work under Lifetime £11,000 cover, based on real treatment costs in the UK:

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Example 1: Emergency surgery for intestinal obstruction (dog ate a toy)

Total vet fees: £2,500 (consultation, diagnostics, surgery, hospitalisation, medication)
Excess payable: £110 (standard for most Tesco Lifetime covers, see your quote for your actual excess)
Amount eligible for reimbursement after excess: £2,500 – £110 = £2,390
Reimbursement: 100% of the above amount = £2,390
👉 You get £2,390 back from Tesco, leaving you just the initial £110 excess to pay out of pocket.

ℹ️ The excess applies once per condition per policy year. If your dog requires follow-up care for this same condition within the year, only the extra vet costs will be reimbursed—no second excess charged for this diagnosis this year.

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Example 2: Yearly dental cleaning after tooth fracture (following accident, dog)

Total vet fees: £410 (consultation, dental procedure with anaesthetic)
Excess payable: £110 (if new calendar year or first claim for dental accident)
After excess: £410 – £110 = £300
Reimbursement: 100% of the remaining = £300
👉 You are reimbursed £300 by Tesco and only pay the £110 excess.

ℹ️ Dental care is covered for illness and accident, as long as you follow annual check-ups and vet recommendations. Routine cleaning unrelated to accident/illness may not be covered.

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Example 3: Complementary physiotherapy during recovery from cruciate ligament surgery (cat)

Total physiotherapy fees: £600 (6 sessions prescribed by your vet after surgery)
Excess payable: £110 (applies if not yet used for this condition this year)
Eligible after excess: £600 – £110 = £490
Reimbursement: 100% of the above = £490
👉 You receive £490 back from Tesco; your out-of-pocket amount is only the £110 excess.

ℹ️ Complementary treatments such as physiotherapy, hydrotherapy, or acupuncture are covered when prescribed by your vet to treat a covered illness or injury—valuable for recovery and quality of life. You can claim up to the annual £11,000 limit on vet fees for all eligible treatments.

Tesco Support

The 24/7 unlimited Vetfone hotline, accessible by phone and live chat, provides real added value in terms of veterinary advice, nutrition and bereavement support—an important differentiator for owners needing expert guidance at any time.

Online contract management and claims submission via the Pet Portal are standard for GB, allowing users to track claims and upload documents, but Tesco does not offer a true mobile app for pet insurance, which might be a drawback for tech-savvy users.

Direct payment to vets is possible when agreed in advance, though it's not a systematic Pay Direct system—owners may still need to pay upfront in many cases, which can limit convenience in emergencies.

No teleconsultation (video with a vet), remote prescription service or dedicated network of partner clinics is available, potentially restricting rapid access to integrated care.

Overseas cover is limited to a maximum of 90 days a year within the EU, Channel Islands and Isle of Man, with no benefits for long-term or non-European travel, reflecting common UK market exclusions.

Assistance TescoAvailable?Details
Advance payment (Pay Direct)Direct vet payment only if pre-agreed; not a systematic pay-direct model.
Payment facilitiesMonthly payment by Direct Debit is available at no extra charge.
Mobile appNo dedicated pet insurance mobile app available. Management via online portal only.
Digital claims managementClaims are submitted and tracked via the online Pet Portal; documents can be uploaded directly.
Emergency vet helpline/teleconsultation✅ Unlimited 24/7 phone and live chat advice via Vetfone; no video teleconsultation or prescription service.
Vet/clinic networkNo dedicated network of partner clinics or negotiated direct-settlement arrangements.
Overseas coverVeterinary care abroad covered up to 90 days a year in EU, Channel Islands, Isle of Man; no non-European or long-stay cover.
Summary of Tesco assistance features and their availability.
Advance payment (Pay Direct)
Available?
Details
Direct vet payment only if pre-agreed; not a systematic pay-direct model.
Payment facilities
Available?
Details
Monthly payment by Direct Debit is available at no extra charge.
Mobile app
Available?
Details
No dedicated pet insurance mobile app available. Management via online portal only.
Digital claims management
Available?
Details
Claims are submitted and tracked via the online Pet Portal; documents can be uploaded directly.
Emergency vet helpline/teleconsultation
Available?
✅ 
Details
Unlimited 24/7 phone and live chat advice via Vetfone; no video teleconsultation or prescription service.
Vet/clinic network
Available?
Details
No dedicated network of partner clinics or negotiated direct-settlement arrangements.
Overseas cover
Available?
Details
Veterinary care abroad covered up to 90 days a year in EU, Channel Islands, Isle of Man; no non-European or long-stay cover.
Summary of Tesco assistance features and their availability.

Customer feedback on Tesco

Review SiteRating and Number of Reviews
Trustpilot4.0/5 (13,000+ reviews)
Feefo4.7/5 (3,700+ reviews)
Reviews.io4.0/5 (600+ reviews)
Comparison of customer review scores for Tesco pet insurance across different platforms.
Trustpilot
Rating and Number of Reviews
4.0/5 (13,000+ reviews)
Feefo
Rating and Number of Reviews
4.7/5 (3,700+ reviews)
Reviews.io
Rating and Number of Reviews
4.0/5 (600+ reviews)
Comparison of customer review scores for Tesco pet insurance across different platforms.

We analysed customer feedback from the sites above. On the positive side, policyholders who have taken out pet insurance for their animals with Tesco most frequently mention:

  • A helpful and responsive customer service: many customers value the empathy and professionalism of the support team and appreciate being able to speak to real people who explain the policy and claims process clearly.
  • Simple and quick procedures: application, policy changes, and claims are described as easy to complete, with online and phone processes considered clear and efficient.
  • Competitive and transparent pricing: the price is rated as fair, and many clients benefit from additional discounts through Clubcard, with some finding offers much cheaper than with previous insurers for comparable cover.
  • Clear explanations and transparency: agents and documentation receive praise for explaining all key terms and conditions, including potential limitations, putting customers at ease.
  • The inclusion of digital tools and 24/7 veterinary helpline: access to Vetfone and a fully online portal are mentioned as useful additions, increasing convenience and reassurance.

On the negative side:

  • Claims processing time can be longer than expected: some customers report significant delays, occasionally up to several months, in getting claims approved and paid.
  • Noticeable annual premium increases: sudden or significant hikes in premium, especially as pets get older or following a claim, are a recurring complaint, with some reporting their price more than doubling from one year to the next.
  • High excess/co-payments for older animals: the policy imposes a significant percentage-based excess for pets above certain ages, which can make larger claims costly for owners of senior pets.
  • Long wait times for customer service: callers occasionally experience phone wait times exceeding 30 minutes, which can be frustrating in urgent situations.
  • Unexpected fees and strict exclusions: cancellation fees (such as a £25 charge), limited coverage for pre-existing conditions, breed exclusions, and high numbers of exceptions are often cited as sources of disappointment.
  • Lack of response to negative reviews: some users feel their concerns are not addressed publicly by Tesco, as the company rarely engages with negative feedback on review platforms.

How can I contact Tesco?

Tesco customer serviceDetails
To get a quote or subscribe onlineYou can use the HelloSafe best pet insurance comparison tool, select the coverage that suits you and click to get a quote.
To request and track a reimbursement- Submit and track your claim via the Pet Portal: petportal.tescoinsurance.com (login or account creation required).
- You can also send all documents and the claim form by mail to:
Tesco Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX
- By phone: 03445431132 (Mon-Fri 8:30am-6pm, Sat 9am-1pm)
- By email: [email protected]
- Documents to attach: detailed vet bill, care report, bank statement if direct payment requested.
- Average processing time: 5 business days (up to 8 weeks if under review).
- Reimbursement is usually made by bank transfer.
To obtain a certificate of insurance- Direct download via the Pet Portal: petportal.tescoinsurance.com
- You can also contact customer service by email at [email protected] or by phone at 03445431132 to request it.
- By mail: Tesco Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX.
To contact assistance- Veterinary, nutrition, or support advice: Vetfone service, available 24/7:
By phone: 03333324959 
Live chat at petportal.tescoinsurance.com
- For questions about your contract or procedures:
Phone: 03445431132 (Mon-Fri 8:30am-6pm, Sat 9am-1pm)
Email: [email protected]
- By mail: Tesco Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX.
To cancel my contract- You can cancel by:
Email to [email protected]
Phone: 03445431132
Or by registered mail to Tesco Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX.
- For withdrawal within 14 days: full refund if no claim made.
- Beyond 14 days: cancellation takes effect at next monthly/annual renewal depending on your plan.
- Provide policy number and your contact details.
- If cancellation follows a paid claim, fees or recalculation may apply.
- Notice period: effective upon request, but allow 1 week for mail.
- No mandatory supporting document, but clear identification of policyholder and insured pet is required.
Tesco customer service contacts and procedures for pet insurance
To get a quote or subscribe online
Details
You can use the HelloSafe best pet insurance comparison tool, select the coverage that suits you and click to get a quote.
To request and track a reimbursement
Details
- Submit and track your claim via the Pet Portal: petportal.tescoinsurance.com (login or account creation required).
- You can also send all documents and the claim form by mail to:
Tesco Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX
- By phone: 03445431132 (Mon-Fri 8:30am-6pm, Sat 9am-1pm)
- By email: [email protected]
- Documents to attach: detailed vet bill, care report, bank statement if direct payment requested.
- Average processing time: 5 business days (up to 8 weeks if under review).
- Reimbursement is usually made by bank transfer.
To obtain a certificate of insurance
Details
- Direct download via the Pet Portal: petportal.tescoinsurance.com
- You can also contact customer service by email at [email protected] or by phone at 03445431132 to request it.
- By mail: Tesco Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX.
To contact assistance
Details
- Veterinary, nutrition, or support advice: Vetfone service, available 24/7:
By phone: 03333324959 
Live chat at petportal.tescoinsurance.com
- For questions about your contract or procedures:
Phone: 03445431132 (Mon-Fri 8:30am-6pm, Sat 9am-1pm)
Email: [email protected]
- By mail: Tesco Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX.
To cancel my contract
Details
- You can cancel by:
Email to [email protected]
Phone: 03445431132
Or by registered mail to Tesco Pet Insurance, Pinnacle House, Al Barnet Way, Borehamwood, Hertfordshire WD6 2XX.
- For withdrawal within 14 days: full refund if no claim made.
- Beyond 14 days: cancellation takes effect at next monthly/annual renewal depending on your plan.
- Provide policy number and your contact details.
- If cancellation follows a paid claim, fees or recalculation may apply.
- Notice period: effective upon request, but allow 1 week for mail.
- No mandatory supporting document, but clear identification of policyholder and insured pet is required.
Tesco customer service contacts and procedures for pet insurance

FAQ

Do I have to pay vet fees upfront with Tesco Pet Insurance?

Tesco Pet Insurance does not guarantee upfront payment to vets by default. In most cases, you will pay your vet directly and then submit a claim for reimbursement online or by post. However, if your vet agrees, Tesco can settle eligible fees directly with them. It's best to check with your vet beforehand to see if they accept direct payment arrangements with Tesco.

How do I cancel my Tesco Pet Insurance policy?

To cancel your Tesco Pet Insurance policy, contact customer service by phone, email, or via your online Pet Portal. You must give written notice, ideally before your next renewal date; no minimum notice period is stated, but early notice is advised. If cancelling after the first 14 days, you may need to provide your policy details and confirm no claims have been made for a full refund.

Which animals and breeds are eligible for Tesco Pet Insurance?

Tesco insures dogs from 8 weeks up to their 8th birthday (5 for certain breeds), and cats up to 10 years old at policy start. Some breeds, such as those listed under the Dangerous Dogs Act or high-risk types, are excluded. Once covered, your pet can remain insured as they age, so long as the policy is renewed without interruption.

Am I covered for vet fees if my pet gets sick or injured abroad?

Tesco Pet Insurance includes travel cover for vet fees in most EU countries, Isle of Man, and the Channel Islands, for up to 90 days per year. You must comply with local travel and health regulations, and claims require proper proof of treatment. Civil liability (for dogs) does not extend outside the UK, so check your certificate for full details before travelling.

What are the main exclusions or limitations I should be aware of?

Tesco Pet Insurance excludes claims for pre-existing conditions, illnesses or injuries occurring within waiting periods (14 days for illnesses, 3 days for accidents), and for pets used for commercial or working purposes. Some older pets have reduced cover for death/cremation events, and specific dog breeds are not eligible. Always review your policy certificate for a full list of exclusions.

Do I have to pay vet fees upfront with Tesco Pet Insurance?

Tesco Pet Insurance does not guarantee upfront payment to vets by default. In most cases, you will pay your vet directly and then submit a claim for reimbursement online or by post. However, if your vet agrees, Tesco can settle eligible fees directly with them. It's best to check with your vet beforehand to see if they accept direct payment arrangements with Tesco.

How do I cancel my Tesco Pet Insurance policy?

To cancel your Tesco Pet Insurance policy, contact customer service by phone, email, or via your online Pet Portal. You must give written notice, ideally before your next renewal date; no minimum notice period is stated, but early notice is advised. If cancelling after the first 14 days, you may need to provide your policy details and confirm no claims have been made for a full refund.

Which animals and breeds are eligible for Tesco Pet Insurance?

Tesco insures dogs from 8 weeks up to their 8th birthday (5 for certain breeds), and cats up to 10 years old at policy start. Some breeds, such as those listed under the Dangerous Dogs Act or high-risk types, are excluded. Once covered, your pet can remain insured as they age, so long as the policy is renewed without interruption.

Am I covered for vet fees if my pet gets sick or injured abroad?

Tesco Pet Insurance includes travel cover for vet fees in most EU countries, Isle of Man, and the Channel Islands, for up to 90 days per year. You must comply with local travel and health regulations, and claims require proper proof of treatment. Civil liability (for dogs) does not extend outside the UK, so check your certificate for full details before travelling.

What are the main exclusions or limitations I should be aware of?

Tesco Pet Insurance excludes claims for pre-existing conditions, illnesses or injuries occurring within waiting periods (14 days for illnesses, 3 days for accidents), and for pets used for commercial or working purposes. Some older pets have reduced cover for death/cremation events, and specific dog breeds are not eligible. Always review your policy certificate for a full list of exclusions.

Charlotte Green
Charlotte Green
HelloSafe
Charlotte is a finance content specialist with a sharp analytical mind and a strong academic background. She holds a degree in Philosophy, Politics and Economics (PPE) from the University of Oxford and a Master’s in Behavioural Economics from the London School of Economics. Her academic training gave her the tools to make sense of complex financial systems—and to explain them in a way that’s both smart and relatable. Before joining HelloSafe, Charlotte worked in editorial roles for financial media and strategy firms, where she focused on personal finance, digital banking, and policy analysis. She is passionate about helping people make informed decisions about their money, especially in an age where the financial landscape is changing fast. At HelloSafe, she covers key topics such as insurance, tax, utilities, credit and budgeting tools. Her mission: provide clear, honest and actionable insights that empower readers to take control of their financial lives with confidence.

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