M&S Pet Insurance Review: The Right Cover for Your Pet?

M&S Pet Insurance Review: The Right Cover for Your Pet?

Good value for money with euthanasia and cremation/burial cover plus a vetfone to call with health queries. Lifetime plans include dental injury and illness.

Good for

  • Lifetime policies for older pets
  • Choosing your excess
  • EU Travel
  • Euthanasia & Cremation/Burial cover
  • vetfone

Bad for

  • Shorter time to submit claims

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Compare Cheap Pet Insurance

Pet cover can help with vet bills. Protect your dog or cat today.

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M&S Pet Insurance, underwritten by Royal & Sun Alliance, offers good value time limited and lifetime vet health plans for cats and dogs, and features amongst our list of cheap pet insurance companies. Dental injury is covered on all plans, but only the top two tiers (Standard & Premier) include dental injury. All policies include some cover for putting your pet to sleep, should the need arise, and cremation or burial.

In This Review

There is no one "best" pet insurance—the best for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you learn about pet insurance and narrow down your choices.

M&S Pet Insurance Review

M&S provides Time Limited and Lifetime type of pet insurance. Our price check showed that premiums are often less than the average cost of pet insurance in the UK. If you opt for an M&S plan, be sure to submit claims within the initial 60-day window or your claim won't be valid.

If you're insuring a bulldog or any other breed known for genetic/hereditary conditions, it's good to note that these issues should be covered with an M&S policy up to the policy limits (they are not specifically excluded in the Policy Wording)—so long as there was no sign of the illness either before you purchased the policy or within the first 14 days.

At the time of writing M&S Pet Insurance was offering a 15% discount for new, online policies. While we celebrate "new policy" discounts, just take note that the second year your premium will likely rise, since these discounts only apply the first policy year. Additionally, M&S is offering up to £30 in vouchers for new policies. Full details can be found on their website, but here are the highlights:

  • M&S vouchers are available to customers who obtain a quote up to and including 27 September 2018 and go on to purchase a policy before 4 October 2018.
  • Vouchers will be dispatched within 30 days of your policy purchase date.
  • Vouchers will not be issued if you have closed or cancelled your policy within the 14 day cooling off period.
  • The voucher value is linked to the level of cover taken: M&S Pet Insurance Premier Cover—£30 M&S voucher. M&S Pet Insurance Standard Cover—£20 M&S voucher. M&S Pet Insurance Essential Cover—£10 M&S voucher.

Vet cover ranges from £3,000 up to £7,000, with the ability to choose an excess of £50, £100 or £150 when you purchase online. For more information please see the section on Policy and Cover Options. Please note that the £4k Lifetime plan has a further limitation of £1,000 per condition per policy year, as we discuss in the Price Comparison section.

Out of Hours Care: M&S Pet Insurance won't cover the cost of vet treatment outside normal surgery hours except where a vet considers your pet cannot wait until normal surgery hours.

Time to Claim: In order to claim, send a claim form completed by you and your vet along with all the supporting invoices within 60 days of the vet treatment starting. For conditions requiring long term treatment, further to the initial claim form you'll also need to send claims for ongoing vet treatment every 3-6 months.

Excess/Copay: The excess is the amount you pay toward a claim. With a M&S policy, you have a few options: £50, £100 or £150 for younger pets and £150, £200 or £250 for pets aged 9 or older:

Standard ExcessEssentialStandardPremier
Pets less than age 9 at start of vet treatment:£50 or £100 or £150£50 or £100 or £150£50 or £100 or £150
Pets aged 9 or over at start of vet treatment:£150 or £200 or £250£150 or £200 or £250£150 or £200 or £250
Excess is paid for each separate illness or injury:YesYes, in each year you claimYes, in each year you claim

Choosing a higher excess should reduce the premium you pay. While paying less for your pet health cover sounds like a good deal, the higher excess means you'll contribute more towards any claims. If you're trying to decide which fixed excess amount is more suitable, consider how many times you expect to claim a year and the amount you'll save in premium by choosing a higher excess amount. Generally speaking, we've found that if you'll claim once per year (or not at all) then it ends up cheaper to go for a higher fixed excess/lower premium option; if you'll claim 2 or more times per year then you'll typically save more with the lower excess/higher premium option.

M&S Pet Insurance Quote Comparison

M&S prices are roughly in line with market averages. As you can see in the chart below, it initially appears that M&S's Standard plan offers particularly good value for a £4k Lifetime product, but there's more to the story. In addition to the annual vet cover limit of £4,000, the Standard plan also has a £1,000 per condition per policy period limit, which further restricts the amount you can claim when your pet falls ill or is injured. That's not to say the Standard plan isn't suitable for some people—the £1k/condition/year limit does reduce the price drastically, potentially bringing a Lifetime product within reach of your budget.

PlanM&S (direct)M&S (comparison site)Market Average
Essential (Time Limited)£161£195£187
Standard (Lifetime with £4k annual cover, £1k annual cover per condition)£166£170£316
Premier (Lifetime with £7k annual cover)£325£399£413

Interestingly, our price check showed higher prices at a comparison site, versus buying direct from the M&S Pet Insurance site, although not by much for the £4k plan. We'd recommend checking prices at both places to ensure you're getting the best deal available.

How M&S pet insurance prices compare

M&S Pet Insurance Notable Features

Below is a brief overview of the more notable features of M&S dog and cat insurance. For a complete rundown of the details and exclusions, please refer to the policy documents.

M&S Pet Insurance Features
Dental CoverFor Essential policies, M&S will not pay any treatment caused by, relating from or relating to teeth or gums unless caused by an injury that was insured by this policy; For Standard and Premier policies, they will not pay the cost of treating a dental condition unless your pet has had its teeth checked in the 12 months before the condition that you are claiming for started and your pet has had all the vet treatment recommended during that check carried out.
Holiday CancellationPremier policies only include cover up to £3,000 for lost travel and accommodation expenses if you have to cut short/cancel a trip because you pet goes missing in UK during your trip, or is ill or injured while you are away or in the 9 days before your trip starts and your pet needs emergency vet treatment; Covers up to three trips in any period of insurance; No trip can last longer than 60 days.
Boarding Fees if You're UnwellFor Standard and Premier policies only; If you or a member of your family is hospitalised and no other member of your family is able to look after your pet, they will pay for the cost of the pet minder/boarding fees for the whole of your hospital stay; They'll pay the cost of an inpatient medical certificate or treating doctor/hospital letter to support your claim, excluding Hospitalisation that:
  • is not as a result of medical advice
  • you knew you needed before the cover start date
  • is as a result of pregnancy or giving birth
  • and they won't pay anyone that is a member of your family
Death and LossCover for the purchase price up to £600 or £1,500, depending on plan, if your pet strays or is lost, stolen or sadly dies from illness or injury; Claims due to illness only valid for pets less than age 9 only.
TravelPremier policies only; Cover for up to 60 days per trip, up to 3 trips per policy year when travelling to member countries in the EU through the PETS travel scheme
Congenital & Hereditary DiseasesThese are not specifically excluded, so long as your pet showed no signs before your policy started or in the first 14 days of the policy
Prescription DietsCover for food recommended by your vet in order to treat a condition including when the pet is hospitalised; excluding obesity and oral hygiene diets
Putting your pet to sleep and Cremation or BurialUp to £100 (Essential and Standard) or £200 (Premier)
vetfone Vet Nurse Advice HelplineM&S Pet Insurance's 24-hour vetline can be reached at 0800 980 5583 when you need advice regarding your pet's health

Types of M&S Pet Insurance Policies

M&S offers three types of pet insurance plans—lifetime, max benefit and a combined 12 month/max benefit plan. Generally speaking, Lifetime policies offer the most comprehensive cover, which can be especially useful for younger pets to protect the owner against the financial strain of recurring/chronic injuries/illnesses over the course of the pet's life.

M&S Pet Insurance Essential Plan

The Essential plan is a combination of Time Limited and Max Benefit, so is the most restrictive of all of M&S's plans. Covers vet treatment for each new illness or injury up to either £3,000 OR a maximum claim period of 12 months—whichever is reached first. Claim period starts from the date of the first vet treatment and can continue until either limit is reached provided your policy remains in force. Once you reach the 12 month or £3,000 limit, you can't claim for the same illness or injury in future or continue to receive payment for existing treatment—even if you renew the policy.

M&S Pet Insurance Standard Plan

A Maximum Benefit-style plan, the Standard provides vet treatment for all illnesses and injuries up to a total limit of £4,000 each year, with a total limit of £1,000 for each separate illness or injury claim. You can claim for ongoing illness or injuries, provided you continue to renew your policy, with no time limit on how long vet treatment can last, up to these limits.

M&S Pet Insurance Premier Plan

This is M&S's Lifetime pet insurance plan. It provides vet treatment for all illnesses and injuries up to a total limit of £7,000 each year. You can claim for ongoing illness or injuries, so long as you continue to renew your policy, with no time limit on how long vet treatment can last, up to this limit.

All these covers are provided as long as you continue to insure with M&S Pet Insurance and cover continues to be made available to you.

M&S Coverage Amounts

M&S vouchers to spend in store with a new policy£30£20£10
Veterinary fees and treatment period up to, per period of insurance:£7,000 in total in each period of insurance (12 months). No separate limit on each illness or injury£4,000 in total in each period of insurance (12 months). £1,000 maximum each illness or injury in each period of insurance£3,000 each illness or injury or a maximum claim period of 12 months (whichever is reached first). Claim period starts from the first date of vet treatment
Complementary treatment including hydrotherapy up to:£1,000£500£500
Treatment food up to:£200Not coveredNot covered
Behavioural disorder up to:£250Not coveredNot covered
Dental treatment:Injury and illnessInjury and illnessInjury only
Travel expenses no excess applies) up to:30p a mileNot coveredNot covered
Third party liability dogs only) up to:£2,000,000£1,000,000£1,000,000
Death from injury up to:£1,500£600£600
Death from illness less than age 9 only) up to:£1,500£600£600
Putting your pet to sleep and cremation or burial no excess applies) up to:£200£100£100
Advertising for missing pet up to:£1,250£600£600
Reward for missing pet up to:£750£600£600
Stolen or missing pet up to:£1,500£600£600
Emergency boarding or daily minding up to:£70 per week, £750 in total£60 per week, £600 in totalNot covered
Pets abroad cover includes the following number of trips, of up to 60 days each:300
Pets abroad cover:£2,000Not coveredNot covered
Holiday cancellation/cutting your trip short:£3,000Not coveredNot covered

How does M&S Pet Insurance Compare to Competitors?

To better understand the value of M&S pet insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

M&S Pet Insurance vs PetPlan Pet Insurance

PetPlan Pet Insurance is the largest insurer of dogs and cats in the UK. Due to this, many vets are accustomed to submitting claims on behalf of pet owners, which might make getting reimbursed a bit easier. PetPlan policies include dental illness and injury but don't cover euthanasia. However, older pets (i.e., dogs aged 5 or 8 depending on breed, cats aged 10) are not eligible for new Lifetime policies and can only sign up for a Time Limited policy.

Bottom Line: If you want a lower upfront premium, Agria can be a good option with its 10% variable excess—but you'll have to pay a larger share of any vet bills that arise as a result.

M&S Pet Insurance vs John Lewis Pet Insurance

John Lewis Pet Insurance offers comprehensive Lifetime plans with £3,000, £7,500 or £12,000 of vet cover. Pet owners have a long time to submit claims and have their choice of excess—so those hoping for a lower excess can choose one as low as £60. The excess will rise for older pets, however, becoming the higher of your fixed £ excess and 20% of the vet bill for each condition each year. Other features include travel for up to 3 trips up to 60 days each with your pet to EU countries that are part of the PETS scheme, dental injury (but not illness), a 24-hour vetfone, euthanasia cover, cover if your holiday is cut short due to your pet being ill and boarding cover if you are hospitalized unexpectedly. Expect to pay around £375 for £3k of cover with a £60 excess or £550 for £7.5k of cover. A higher excess will bring the price down.

Bottom Line: Another solid option but you may prefer Agria if you want a pet specialist.

M&S Pet Insurance vs Animal Friends Pet Insurance

Animal Friends Pet Insurance is another specialist pet insurer, whose plans stand out for lower-than-average premiums (partially achieved through per condition limits, even on Lifetime plans) and they publicly state on their website that they don't penalize for claims by increasing premiums upon renewal. Those with older pets can insure their cats and dogs, as there is no upper age limit for new policies, even Lifetime cover. They don't have dental cover or a vet line to call with queries, however, plus claims need to be submitted more quickly, within 90 days. Our price check showed a range of £130 to £390 for Lifetime cover for a healthy, young crossbreed dog, significantly lower than average.

Bottom Line: Those looking for a lower-priced Lifetime plan might also want to consider Animal Friends, or those looking to insure an older pet—if you're comfortable with per-condition annual limits on Lifetime plans.

How to Claim and Other Useful Information

If you need to make a claim, you should call M&S pet insurance as soon as possible on 0800 980 8750. Please have your policy number or claim number when you call. Also, there is a link to a claim form below, which can be scanned and emailed or posted to M&S Pet Insurance.

Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.