Lifetime Cover
No cover time limit for each illness or injury
Choose £2,000, £4,000, £6,000, £8,000 or £10,000 of cover per year
Defaqto rating (pet insurance)
⭐⭐⭐⭐⭐ ^
Defaqto is an leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Key Benefits
M&S Bank Pet Insurance offers several key benefits that can provide peace of mind for pet owners:
Comprehensive Coverage: M&S Bank Pet Insurance provides a range of policies with various levels of veterinary fee cover, ensuring that pets receive the necessary care without financial strain.
Customer Support: The insurance company offers 24/7 access to vetfone™ advice.
Discounts and Multi-Pet Cover: M&S Bank Pet Insurance offers discounts for multi-pet cover and provides access to local pet care providers and bereavement support.
More about M&S Bank
M&S has been offering a range of financial services from M&S credit cards to a variety of insurance policies including pet insurance for over 30 years.
M&S pet insurance is provided by M&S Bank and is underwritten by Royal Sun Alliance (RSA), one of the world’s leading insurance groups.
You can take out dog insurance or cat insurance with M&S once your furry friends are eight weeks old.
What types of pet insurance can I get with M&S Bank?
M&S offers their pet insurance customers a choice between three levels of cover for their pets.
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Maximum benefit
No cover time limit for each illness or injury
Up to £3,000 of cover per illness or injury
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Time limited
12 months of cover for each illness or injury
Up to £4,000 of cover per illness or injury
How do I contact M&S Bank?
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By Phone
Main customer service line: 0800 980 8740, available Monday–Friday, 9:00 am to 5:30 pm.
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Online account
Use the “Contact Us” page on the M&S Bank Pet Insurance website to access a live chat or submit your question via an online contact form
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Email
You can contact M&S Bank pet insurance directly via email: mandspet@uk.rsagroup.com
How do I make a claim with M&S Bank?
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Contact M&S Bank
The recommended way is to log in to your M&S bank pet insurance portal and submit your claim digitally.
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Provide evidence
This could include your bill from the vet and any evidence you have of the procedures you are claiming for
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Claim is accepted or rejected
If your claim is successful (most are), you will generally receive confirmation within 24 hours.
Why should I compare pet insurance quotes with MoneySuperMarket?
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We're trusted
All our insurance providers are authorised and regulated by the Financial Conduct Authority (FCA).
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Rated 4.9/5 on Feefo
We're also the UK's most recommended price comparison website
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Save money
Save £££ on your pet insurance. Plus, we price match and give you £10 if you find a cheaper deal
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Earn rewards
Buy through us and get up to £10
^ with your policy, plus other SuperSaveClub rewards
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Frequently asked questions
Who are M&S Bank pet insurance?
M&S pet insurance is provided by M&S Bank and is underwritten by Royal Sun Alliance (RSA), one of the world’s leading insurance groups.
M&S has been offering a range of financial services from M&S credit cards to a variety of insurance policies including pet insurance for over 30 years. M&S pet insurance is provided by M&S Bank and is underwritten by Royal Sun Alliance (RSA), one of the world’s leading insurance groups. You can take out dog insurance or cat insurance with M&S once your furry friends are eight weeks old.
How to make a claim with M&S Bank pet insurance
Before you start a claim, please ensure you have all the necessary details to hand and upload the correct documents including all treatment invoices and full medical history.
The easiest way to make a claim with M&S Bank pet insurance is to complete the online claim form and ensure that it is completed and signed by the named policy holder as well as your veterinary surgeon before it is submitted. This will ensure you claim is processed as timely as possible.
Why take out pet insurance with M&S Bank pet insurance
Like many other insurers, M&S offer three levels of cover to choose from however, each of their policies include a few extra benefits including:
Multi-pet discount
As well as the 10% multi-pet discount, you can claim a 15% discount on new M&S pet insurance policies when you buy online. You can also choose to pay monthly, rather than annually at no extra cost.
24-hour helpline access
All pet insurance policies offered by M&S include 24-houraccess to Vetfone- a freephone 24-hour pet helpline with a UK qualified veterinary professional.
Pay by monthly instalments
You can spread the cost of your pet insurance over 12 months by paying by Direct Debit – at no extra cost.
Extra support
M&S pet insurance policies offers you access to a range of services from information about local pet care providers to bereavement support.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is pet insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy pet insurance through MoneySuperMarket.
This includes:
Up to £10, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions (you must download our app to get this)
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is pet insurance eligible for Price Promise?
Yes, pet insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth £10
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 28 Apr 2026 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
T&Cs apply to SuperSaveClub and Price Promise.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Defaqto is an leading independent reviewer of financial products. Pet Protect has been awarded a Defaqto 5-star rating, indicating it is among the most comprehensive and feature-rich products available in the market
Individual insurance products from Pet Protect will have different ratings.
Data from the Defaqto website. Data from August 2025.
