Debenhams - Pet Insurance reviews

Ranked 18 of 31 Pet Insurance providers



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Quotes our team received:

  • 4-year old Labrador - £7.59 per month
  • 3-year old Bengal - £4.47 per month

Cover details

Choose from five levels of pet insurance

Debenhams’ pet insurance options include five levels of cover, Accident Only, Essential, Basic, Extra and Elite, which provide veterinary fee cover as well as additional benefits for your pet. There is a useful guide to the types of benefits available.

The claim limit for each insurance option is subject to excesses, which are the amounts you have to pay for each claim. For veterinary fees an excess of  £85 is applied per condition per policy year. This extends to £100 to all third party legal liability claims.

The policy documents have the full terms and conditions. For more information visit Debenhams official website.

Accident OnlyEssentialBasicExtraElite
Cover Type12 Months12 MonthsLifetimeLifetimeLifetime
Vet Fees£2,750£2,500£1,000£3,500£8,500
Death From Accident£500£500£750£1,000£1,500
Death From IllnessX£500£750£1,000£1,500
Third Party Liability£1,000,000£1,000,000£1,000,000£1,000,000£1,000,000
Advertising & Reward£500£500£750£1,000£1,500
Theft or Straying£500£500£750£1,000£1,500

Your benefits for pet insurance cover levels

CT/MRI Scans

If your pet requires additional medical treatment, Legal & General will provide cover for CT and MRI scans up to £1,500, depending on your level of coverage.

Special Diet

If your pet requires a prescribed diet, Legal and General will cover the costs up to £250.


Legal and General provide dentistry for accident and illness as standard as part of their Lifetime and 12 month cover. However their Accident policy restricts this cover accident only.

Emergency Boarding

If you need to stay in hospital for an extended period of time and are unable to care for your pets, Legal and General will provide cover for emergency boarding up to £2,000, depending on your level of cover.

Accidental Damage of Third Party Property

If your pet causes accidental damage of third party property, Legal and General will cover the costs up to £1,000. This will depend on the level of cover you take out.

Frequently asked questions

What animals can I insure with Debenhams Pet Insurance?
What types of policy do Debenhams offer?
Does Debenhams Pet Insurance cover pre existing conditions?
How long does it take to assess a claim?

About Debenhams

Debenhams Personal Finance is part of the Debenhams, the leading international, multi-channel brand with a proud British heritage. Debenhams pet insurance currently provides policies for cats and dogs.

About Debenhams

Debenhams Pet Insurance currently provides five cover options, including Accident Only, Essential, Basic, Extra and Elite.

Accident Only covers accidents and injuries, providing 12 months cover for vet fees up to £2,750 per condition. The policy also covers a range of benefits, including MRI and CT scans, death from accident and overseas travel for up to 30 days.

The Essential policy provides cover for both illness and injuries. The policy covers vet fees up to £2,500 per condition and, unlike the accident only policy, has the added benefit of covering death from illness up to £500.

Debenhams’ basic policy is a Lifetime policy that covers vet fees for both accident and illness, up to £1,000 per condition, per year. This policy also covers additional benefits such as cruciate up to £1,000, CT scans up to £800 and advertising and reward up to £750.

The Elite and Extra Lifetime policies cover vet fees from £3,500 and £8,500 per year. Each cover the same benefits, with the Elite policy covering additional costs in each benefit category.

Debenhams Contact Info

To contact Debenhams, please call 0333 234 0618. Their offices are open Monday to Friday 8am – 6pm and Saturdays 9am – 2pm.

Promotions & Offers

  • Free gift card worth up to £30 with every policy

How To Make A Claim

To make a claim, please call 0333 234 0618. As long as your vet is happy to deal directly with Debenhams Pet Insurance, they can arrange to pay your vet direct.

How To Cancel Your Debenhams Insurance Policy

You have 14 days to cancel from the date you receive your documents, providing no incidents have arisen which could result in a claim under your policy for the death or loss of your pet. The premium you’ve paid will be refunded minus an administration fee.

If you cancel your policy after the 14 day period, as long as no incidents have arisen which could result in a claim under your policy, the part of the premium you haven’t yet used minus an administration charge will be refunded. If the amount due when you cancel your policy is more than the amount you’ve paid, you must pay Debenhams Pet Insur

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