M&S Bank - Pet Insurance reviews

M&S is a unique retailer with a great heritage. M&S offer a range of personal banking products, insurance & travel services to suit a variety of financial needs.

M&S Bank

Ranked #19 of 31 Pet Insurance providers based on 2363 reviews

Review Score

5.8

Quotes our team received:

  • Dog £15.14 per month
  • Cat £8.65 per month

4 Review(s) in total

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Choose from three levels of pet insurance

Debenhams’ pet insurance options include three levels of cover, Premier, Standard and Essential, which covers veterinary fees 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 pets under the age of 9 at the start of veterinary treatment, the excess ranges from £50 – £150. For pets over 9, excess ranges from £150 -£250.  Excess for third party liability is £250 as standard.

The policy documents have the full terms and conditions. For more information visit M&S’official website.

EssentialStandardPremier
Cover Type12 MonthsLifetimeLifetime
Complimentary Treatment£500£500£1,000
Prescription DietXX£200
Dental Treatment For AccidentsYesYesYes
Dental Treatment For IllnessXYesYes
Death From Injury£600£600£1,500
Death From Illness£600£600£1,500
Third Party Liability£1,000,000£1,000,000£2,000,000

Your benefits for pet insurance cover levels

Complementary Treatment & Special Diet

M&S will cover complementary treatment, including hydrotherapy, for your cat or dog between £500 – £1,000 for each condition, depending on your level of cover. In addition to this, M&S will also provide cover for specially prescribed food for up to £200 as part of your Premier policy.

Third Party Liability

If your dog responsible for causing an accident or injury, M&S will cover Third Party Liability claims up from £1,000,000 to £2,000,000.

Death From Illness and Injury

If your pet dies as a result from illness (less than age 9) or injury, M&S will cover the original costs of your pet up to £1,500. M&S will also cover the cost of putting your pet to sleep, from £100 – £200 depending on your level of cover.

Loss By Theft/Straying & Advertising

If your pet strays or is stolen, M&S will cover the original cost of your pet up to £1,500 as well as the advertising costs up to £1,250 and a reward for your missing up to £750.

Boarding Fees

If your pet requires emergency stay in kennels or catteries while you are in hospital, M&S will cover the fees up to £70 per week (£750 in total) depending on your level of coverage.

Holiday Cancellation

M&S offers cover for holiday cancellation, in the event your cat or dog needs urgent surgery and you need to cancel your holiday, up to £3,000 as part of your Premier policy.

Overseas Travel

M&S vet fee cover extends worldwide and covers pets up to £2,000 for veterinary treatment and lost documents.

What animals can I insure with M&S Bank?

M&S provides pet insurance cover for cats and dogs from eight weeks old, with no upper age limit. However, older cats and dogs will be required to pay a higher excess sum for each claim they make under the policy.

What types of policy do M&S bank offer?

M&S Bank offer three levels of cover, including Premier (Max Benefit), Standard (Max Benefit) and Essential (Accident Only). M&S Bank cover up to £7,000 in vet fees, dental treatment and holiday cancellation if your pet falls ill.

Does M&S Bank cover pre-existing conditions?

M&S does not cover conditions, illnesses or injuries that were diagnosed or previously treated before the policy start date or the 14 day wait period. However, any conditions, illnesses or injuries that arise after the 14 day period will be covered by M&S Bank.

How long does it take to assess a claim?

While M&S cannot provide a timescale for assessing your claim, they aim to provide the highest possible standards of customer service and advise customers get in contact as soon as possible if they need to make a claim.

About M&S

M&S Bank offer a range of financial services and aim to bring the trusted M&S values to banking and provide customers with a fresh new experience to banking.

About M&S

M&S currently provide pet insurance cover for cats and dogs across the UK. They currently offer three levels of cover, including Premier Cover, Standard Cover and Essential Cover.

Essential Cover covers veterinary fees and treatment up to £3,000 for each illness or injury or  a maximum claim period of 12 months (whichever is reached first). The Essential policy covers a variety of additional benefits, such as complementary treatment up to £500, death from injury and illness up to £600, reward for missing or stolen pet up to £600 and dental treatment in the event of an injury.

Standard Cover covers veterinary fees up to £4,000 in each period of insurance (12 months). However, there is £1,000 maximum limit for each illness or injury in each period of insurance. The Standard policy also covers additional benefits such as emergency boarding up to £60 per week (£600 in total) and covers dental treatment for both injury and illness.

Premier Cover provides veterinary fee cover up to £7,000 in each period of insurance (12 months) with no separate limit on each illness or injury. Unlike the other policies, the Premier policy provides cover for additional benefits, such as treatment food up to £200, behavioural disorder up to £250, travel expenses up to 30p a mile, emergency boarding up to £70 per week, (£750 in total) and holiday cancellation up to £3,000.

M&S Contact Info

To contact M&S, call 0800 731 4280. If your looking to make a claim, you easily create one online via their website here https://bank.marksandspencer.com/insurance/pet-insurance/get-quote-and-buy/

Promotions & Offers

  • Free pet hamper with new standard or premier policies
  • Save 15% on new policies when you buy online

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