Is M&S Bank The Best Pet Insurance Company?

Alexandre Desoutter Alexandre Desoutter  updated on September 7, 2020

Would you like to insure your beloved pet against accident or illness? Are you here to know whether M&S Bank is the best pet insurer to go for?

You are at the right place!

In the below review, we will tell you everything you need to know on M&S Bank pet insurance: cover table, prices, contact, claim and cancel process and our own recommandation.

Our review on M&S Bank pet insurance

4.2 Safe overall rating for M&S Bank pet insurance

Safe ratingOur opinion
Customer service & satisfaction
and claims
Access is given to a 24 hour helpline
The Premier policy options are rated 5 stars on Defaqto
Policy documents are readily available on the website
Cover provided for your home Three levels of cover provided [Premier, Essential and Standard]
Lifetime policies are provided for older pets
Cover is provided in the case of EU Travel
Cover is only provided for dogs and cats
Value for money A 15% discount is given when you take out a new policy online
No extra cost is charged on monthly installments
A 5% multi-pet discount is given when more than one pet is insured
Financial strength M&S Bank pet insurance is underwritten by Royal & Sun Alliance Insurance plc.
Technology Insurance policies can be gotten online
Claim forms can be filled and tracked online
Presence of a virtual assistant
Extra support like bereavement services is provided for policyholders
Safe rating for M&S Bank home insurance

M&S Bank pet insurance reviews: Defaqto and Trustpilot

Reviews
DefaqtoPremier (Dog): 5 stars
Standard (Dog): 4 stars
Essential (Dog): 3 stars
Premier (Cat): 5 stars
Standard (Cat): 4 stars
Essential(Cat): 3 stars
TrustpilotNot available
Reviews on M&S Bank pet insurance

What does M&S Bank pet insurance cover?

M&S Bank pet insurance for dogs

Cover TypeVet feesDeath by accidentDeath by illnessLost or stolenBoardingThird party liability
LifetimePer Condition Limit Per Year of £1,000 – Annual Policy limit of £4,000 – Limits reinstated on renewalyesyesyesyesyes
Lifetime£7,000 vet fees in total per policy year – Annual Policy limit of £7,000 – Limits reinstated on renewalyesyesyesyesyes
Time LimitedPer Condition Limit of £3,000 – No annual policy limit – £3,000 for each condition for 12 months from the first date of treatmentyesyesyesnoyes
M&S Bank pet insurance for dogs

M&S Bank pet insurance for cats

Cover TypeVet feesDeath by accidentDeath by illnessLost or stolenBoarding
LifetimePer Condition Limit Per Year of £1,000 – Annual Policy limit of £4,000 – Limits reinstated on renewalyesyesyesyes
Lifetime£7,000 vet fees in total per policy year – Annual Policy limit of £7,000 – Limits reinstated on renewalyesyesyesyes
Time LimitedPer Condition Limit of £3,000 – No annual policy limit – £3,000 for each condition for 12 months from the first date of treatmentyesyesyesno
M&S Bank pet insurance for cats

None of the above pet insurance covers pre-existing medical conditions.

How much is M&S Bank pet insurance?

How much is M&S Bank pet insurance for dogs?

Cover typePolicy detailsMonthly premiumAnnual premiumStandard Excess
Lifetime£7,000 vet fees in total per policy year£26.89£322.69£100
LifetimePer Condition Limit Per Year of £1,000£13.69£164.20£100
Time LimitedPer Condition Limit of £3,000£14.78£177.39£100
M&S Bank pet insurance premiums for dogs

*Quotes above are for a pedigree dog of one year old, not neutered nor microchipped.

How much is M&S Bank pet insurance for cats?

Cover typePolicy detailsMonthly premiumAnnual premiumStandard Excess
Lifetime£7,000 vet fees in total per policy year£17.60£211.18£100
LifetimePer Condition Limit Per Year of £1,000£10.01£120.12£100
Time LimitedPer Condition Limit of £3,000£10.78£129.35£100
M&S Bank pet insurance premiums for cats

*Quotes above are for a pedigree cat of one year old, not neutered nor microchipped.

How to contact M&S Bank pet insurance?

M&S Bank pet insurance phone numbers

How to contact M&S Bank?Phone numbersOpening hours

Customer service

0800 980 8740

Monday to Saturday 9am to 5pm

Claims

0800 980 8750

Monday to Saturday 9am to 5pm.

Complaints

0800 980 8740

Monday to Friday 8am-6pm
Saturday 9am-5pm

Legal Advice

0800 980 5580

24/7

How to contact M&S Bank pet insurance

M&S Bank pet insurance contact details

M&S Bank contact details
Email

[email protected]

Mail address

M&S Pet Insurance
PO BOX 255,
Wymondham,
NR18 8DP

Livechat

Livechat is available on the left side corner of the website. You just need to click on the "Need help?" button and start chatting.

M&S Bank contact details

How to log in to M&S Bank customer portal?

The "Sign in" option is only available for the internet banking platform.

How to claim at M&S Bank pet insurance?

There are several reasons to report a claim on your pet insurance:

  • you had or will have to face significant vet fees or repeat medication;
  • your pet is missing;
  • your pet had or caused an accident etc.

At M&S, you can either contact their claims team on their general claims number which is 0800 980 8750 or make a claim online by filling out a Claim Form downloadable from their website.

How to claim on your M&S Bank pet insurance?
Claim online

You can report a claim by filling in and submitting the M&S claims form online via this link: M&S Claims form

Claim by email

You can download the pdf copy of a claims form, fill it and submit it to:[email protected]

Claim by phone

0800 980 8750

How to report a claim on your M&S Bank pet insurance?

How to cancel your M&S Bank pet insurance?

Cancellations can be done by calling the assigned telephone number.

How to cancel your M&S Bank pet insurance?
Cancel by phone

0800 980 8740

How to cancel your M&S Bank pet insurance?

Our final opinion on M&S Bank pet insurance

Founded in 1884, Marks & Spencer has now become one of the most famous UK street names. From retail stores to banking products (with M&S bank opening in 1995), the company offers wide range of products including car, home, travel and pet insurances as well as personal loans or other banking services. M&S has three different pet insurance options: a time limited plan, a max benefit/Lifetime plan and a Lifetime plan. The most comprehensive cover plan available is the Premier plan which provides up to £7,000 in terms of Lifetime vet cover. All policy options include access to Vetfone which is a 24/7 service run by veterinary nurses.

They don’t have reviews on Trustpilot but some of their insurance policies have a 5 star Defaqto rating. M&S has been around for so long so they can be trusted to offer top notch services. Their insurance company is recommended.