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M&S pet insurance

Learn more about M&S 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

By Mehdi Punjwani

Published: 13 October 2020

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Contact M&S Pet Insurance

The M&S Pet Insurance phone number for customer services is 0800 980 8740. For M&S Pet Insurance claims, you should call 0800 980 8750.

Calls are free from landlines and mobiles, and both phone lines are open 9am to 5pm, Monday to Friday.

M&S Pet Insurance

PO Box 225


NR18 8DP

What animals does M&S cover?

You can take out dog insurance or cat insurance with M&S once your furry friends are eight weeks old. M&S pet insurance comes in three levels of cover: Essential, Standard, and Premier.

Every level of cover includes the costs incurred advertising to recover a missing pet, while Premier policies also offer overseas cover, so you can have peace of mind if you like to travel with your pets.

Whatever level of cover you choose, you can get a 5% multi-pet discount when you insure more than one pet with M&S.

Why choose M&S pet insurance?

As well as the 5% 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.

All M&S pet policies include 24-hour access to a helpline on which you can speak to qualified veterinary nurses, while having the choice of three levels of cover means there should be a policy to suit your needs.

Differences worth bearing in mind include that the Standard and Premier policies are lifetime policies, which means you can keep claiming for treatment for long-term conditions as long as you renew each year. With Essential cover, you can claim up to £3,000 over a 12-month period for a certain condition, but once that limit has been reached – or 12 months have passed since the diagnosis – you won’t be able to make any further claims for that condition.

Facts about M&S pet insurance

  • Three levels of cover to choose between
  • 24/7 access to expert veterinary advice via the free Vetfone service with all policies
  • Extra support services such as information about local pet care providers available

M&S credentials

M&S Pet Insurance is underwritten by RSA (Royal Sun Alliance), a leading insurance group that has been operating for more than 300 years. RSA is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Ready to save on your pet insurance? Or need to know more before you get a quote? We’re here to help.

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