Pet Insurance Questions

Not at present. Please talk to your vet who may be able to help.

If your pet has not been vaccinated, your insurance will exclude the cost of treatment for conditions that would have been prevented by such vaccinations.

Vets recommend vaccinations against distemper, hepatitis, leptospirosis and parvovirus for dogs. And for cats, feline infectious enteritis, feline leukaemia and cat flu.

Yes, but your pet will not be insured for anything that results from your pet’s medical history which already exists when you buy the cover, or for any medical condition which shows the first signs within 14 days of the policy start date.

Yes, you get a 5% discount for each additional pet that you insure when you apply over the phone. Please call us on 0800 432 0431. Please note that only one discount applies on a policy.

A claim form is enclosed with your Policy Documents. Alternatively call 0800 980 8750 and we will send you one or download a claim form.

We consider a pet to be a pedigree when both parents are the same pedigree breed. If parents were different pedigree breeds, then a crossbreed rate applies.

With our Premier cover, you can claim up to £7,000 per policy year to cover the cost of all treatments if your pet is ill or injured with no limit for each illness or injury.

With our Standard cover you can claim up to £4,000 per policy year to cover the cost of all treatments if your pet is ill or injured, with a limit of £1,000 for each illness or injury.

Your pet is covered for the continuing costs of long term veterinary treatment up to the annual limit of your policy. You can continue to claim up to your annual limit for as long as you renew with us and we can continue to offer cover.

Have a look at our Policy Summary which shows the cover available at each level and the policy limits. Generally, our Premier cover has higher limits and includes additional features such as overseas cover.

Only our Premier cover provides overseas cover whilst travelling in Europe – our Policy Booklet contains more information.

You may pay by M&S Chargecard or M&S Credit Card, Direct Debit, Visa, Mastercard or Delta.

If you cancel within the first 14 days, and provided that you have not made a claim, you will receive a full refund. After that you will get a pro-rata refund of any annual premium provided that you have not claimed during the current period of insurance.

Call our dedicated claims line on 0800 980 8750 and/or download a claims form.