Royal Bank of Scotland - Pet Insurance reviews

RBS’ (The Royal Bank Of Scotland) purpose is to serve their customer well, with their primary aim to consistently meet the needs of their 18.9 million customers. The bank was founded in Edinburgh in 1727 and went on to become one of the biggest banks in Scotland. The bank now provides a wide range of products and services in order to cater to millions customers worldwide.

Royal Bank of Scotland

Ranked #25 of 31 Pet Insurance providers based on 401 reviews

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Choose from one level of pet insurance

Royal Bank of Scotland pet insurance policy includes generous cover, renewable benefits and complimentary treatment. There is a useful guide to the types of benefits available below.

The claim limit for each insurance option is subject to excesses, which are the amounts you have to pay for each claim.

  • For pets ages seven or older, you must pay the excess shown on your policy plus 20% of every claim for each separate condition
  • For holiday cancellation, there is £100 excess to pay upfront before a payout
  • For third party liability, dog owners must pay £250 upfront before receiving a payout.

The policy booklet has the full terms and conditions. For more information visit Royal Bank of Scotland’s official website.

Policy Benefit
Vet FeesUp to £8,000 per year
Death From Accident Or IllnessUp to £1,500
Advertising & RewardUp to £1,500 for advertising and £500 for reward
Theft & StrayingUp to £1,500
Boarding KennelsUp to £1,000
Third Party Liability£2,000,000

Your benefits for pet insurance cover levels

Advertising or Reward

If your pet goes missing or is stolen, RBS will cover up to £1,55 towards local advertising costs and an additional £500 for reward.

Death Due to Accident or Illness

RBS will cover the purchase price of your pet, should they die as a result of an accident or illness, up to £1,500.

Boarding Kennel Fees

If you require a stay in hospital for more than 4 consecutive days, RBS will cover boarding and kennel fees up to £1,000, depending on your level of cover.

Liability Cover

If your dog causes an accident, damages property or severely injures someone, RBS will provide up to £2 million towards legal costs.

Holiday Cancellation

If you need to cancel your holiday due to your pet falling ill or needing life saving surgery, RBS will provide up to £5,000 for expenses that you cannot get back from anywhere else.

Overseas Travel Cover

RBS provide overseas travel for journeys to countries included in the governments Pet Travel Scheme. In addition to cover extension, RBS also provides cover for quarantine costs up to £2,000, loss of pet passport up to £250 and emergency expenses abroad up to £500 per journey.

What animals can I insure with RBS?

RBS provides pet insurance for cats and dogs from eight weeks

What types of policy do RBS offer?

RBS offers one policy. Their policy covers veterinary fees up to £8,000 per year to treat illness or injury.

Does RBS cover pre-existing conditions?

RBS does not provide cover for conditions, illnesses or injuries diagnosed before the policy start date or during the 14 day wait period. Any condition, illness or injury diagnosed after that period of time will be covered by the policy.

How long does it take to assess a claim?

While RBS does not provide a time limit with assessing claims, their UK based team aim to handle pet insurance claims quickly and fairly.

About Royal Bank of Scotland

The Royal Bank of Scotland’s services and products currently include

  • Insurance
  • Current accounts
  • Credit cards
  • Loans
  • Mortgages
  • Savings

About RBS Pet Insurance

RBS provides pet insurance for cats and dogs across the country. They currently cover up to £8,000 per year towards veterinary fees in addition to death from accident or illness up to £1,500, boarding kennel fees up to £1,000 and holiday cancellation up to £5,000.

For more information on RBS Pet Insurance policies, visit


To contact RBS, you can request a callback on their pet insurance page. Alternatively, you can visit them in branch or contact them directly on 0800 533 5265. Lines are open Monday to Friday 8am – 8pm and Saturday 9am – 5pm.

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