Marks & Spencer Pet Insurance Review

Marks & Spencer Pet Insurance Review

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Choosing the right Pet Insurance is extremely important, as the wrong choice now could have severe financial consequences later and comparing numerous policy terms and conditions can be daunting.

Our independent rating and review highlights the important points we think you should know about when choosing an insurance policy to cover your pet.

Once you have read this review of Marks & Spencer Pet Insurance and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Marks & Spencer Pet Insurance

Marks & Spencer was formed in 1894, when Michael Marks went into partnership with Thomas Spencer. They are probably one of the best known retailers in the UK.
After an attempted takeover by Arcadia Group in 2004, Marks & Spencer's sold of their financial services business arm M&S money to HSBC Bank Plc

Marks & Spencer Financial Services Plc now part of the HSBC Group, offer loans, credit card, savings and investments as well as numerous insurance products including Pet Insurance

Choose from three different policies, essential, standard and the 5 star rated Premier policy.

M&S Insurance is a trading names of Marks & Spencer Financial Services Plc and a wholly owned subsidiary of HSBC UK Bank plc, authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority as an insurance intermediary and is permitted, acting on behalf of the insurer, to promote insurance products. M&S Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc, authorised by the Prudential Regulation Authority as an insurance company and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

How to Buy Pet Insurance from Marks & Spencer Pet Insurance

Click on the website link to go directly to the insurance providers website. Visit Marks & Spencer Pet Insurance's Website and Get a Quotation direct

How Marks & Spencer Pet Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Marks & Spencer Pet Insurance.

Dog Policy Ratings Click to Expand

We have reviewed 3 Dog Policies from Marks & Spencer Pet Insurance. They are - Premier - Standard - Essential. We have rated these as follows:-

Rating for Dog Premier:

Rating for Dog Standard:

Rating for Dog Essential:

Marks & Spencer Dog Insurance Review

Rabbit Policy Ratings Click to Expand

found no policies available for this section.

Marks & Spencer Rabbit Insurance Review

Cat Policy Ratings Click to Expand

We have reviewed 3 Cat Policies from Marks & Spencer Pet Insurance. They are - Premier - Standard - Essential. We have rated these as follows:-

Rating for Cat Premier:

Rating for Cat Standard:

Rating for Cat Essential:

Marks & Spencer Cat Insurance Review
  • Policies must provide cover for all core sections and all secondary sections.
  • Vets Fees - Policies must provide a minimum maximum benefit of £6,000, or £4,000 per condition and cover either;
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Cruciate Ligaments - Damage to, or disease of the cruciate ligament is a common problem in animals. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £4,000.
  • MRI/CT Scans - If your pet suffers from seizures, paralysis or back problems, your vet may recommend an MRI scan. Most policies include cover for this within their overall vet fees limit. In line with industry averages, a policy must offer cover of at least £2,000.
  • Euthanasia - If your pet needs to be put to sleep to alleviate further suffering, policies must cover this. A policy must offer at least £100 to cover the cost of euthanasia.
  • Complementary treatments ? The industry average for complementary treatments such as physiotherapy is £1,000. Five star policies have at least this amount of cover.
  • Prescribed Food - All five star policies must cover the cost of prescription food (to treat bladder stones) up to at least £100
  • Dental treatment - Dental treatment for accidents of at least £500.
  • Loss of your Pet - The industry average benefit for loss of your pet due to accident, illness, theft or straying is £1,000. All policies must offer at least this amount.
  • Compulsory excesses - The industry average for the age at which additional compulsory excesses are charged is 6. All five star policies will not charge an additional compulsory excess until at least this age.
  • Five-star policies may provide additional service and cover benefits over and above standard policies.
  • Premiums are competitive in relation to the cover provided.
  • Five-Star policies have clear and consumer friendly, wording and explanations of cover.
  • The standard excess is equal or lower than the £100 market average.
  • Four-star policies cover all core sections and secondary sections under a pet insurance policy.
  • Four-Star policies offer Veterinary Fees cover that are above the market average and provide either
  1. A maximum benefit per condition no renewal guarantee.
  2. A maximum limit per condition with a lifetime renewal guarantee; or
  3. A maximum benefit per year with a lifetime renewal guarantee.
  • Four-star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four-star policies may provide additional cover benefits.
  • Premiums are competitive in relation to the cover provided.
  • Four-star policies have clear and consumer friendly wording and explanations of cover.
  • Three star policies cover all core sections, but may not offer all secondary sections of cover.
  • Three star policies cover veterinary fees that may be lower than the market average and provide either
  1. A maximum limit per condition limited to 12 months
  2. A maximum benefit limited to 12 months.
  3. A maximum benefit per condition no renewal guarantee
  4. A maximum limit per condition with a lifetime renewal guarantee; or
  5. A maximum benefit per year with a lifetime renewal guarantee.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies have some secondary covers lower than the market average.
  • Three star policies may not have all the features and benefits of a four or five star policy.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have core and secondary sections of cover missing from their policies.
  • Two star policies cover veterinary fees cover that are below the market average and provide either
  1. Accident only cover,
  2. A maximum limit per condition limited to 12 months,
  3. A maximum benefit limited to 12 months,
  4. A maximum benefit per condition no renewal guarantee,
  5. A maximum limit per condition with a lifetime renewal, guarantee; or
  6. A maximum benefit per year with a lifetime renewal guarantee.
  • Two star policies may have sections of cover missing.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess can be higher than the market average.
  • Policy wordings may not be as consumer friendly as other Insurers and contain more terms and conditions

Key Points you need to know about Marks & Spencer Pet Insurance's policy wording

1. What are the eligibility criteria for Pet Insurance?

You must be the owner and keeper of the pet and they must be older than 8 weeks and live with you either in the United Kingdom, Isle of Man or Channel Islands.

You agree to carry out any treatment your vet recommends to prevent injury or illness and to have your dog vaccinated against distemper, hepatitis, leptospirosis and parvovirus; have your cat vaccinated against infectious enteritis, cat flu and feline leukaemia.

You agree to provide proper care and attention to your pet at all times.

2. What type of policies do they offer?

M&S Pet Insurance have three levels of cover;

Essential covers vet fees up to £3,000 per condition for a maximum of 12 months
Standard covers vet fees up to £4,000 in total with a maximum limit of £1,000 per condition, which can be reinstated each year
Premier covers vet fees up to £7,000 in total with no individual limit, which can be reinstated each year

 

3. What's not covered?

This is a list of important exclusions M&S Pet Insurance does not cover;

  1. Routine Examinations or vaccinations.
  2. Killing or controlling fleas, worming or wormer products.
  3. Nail clipping, the removal of dew claws (unless as a result of an injury) grooming, spaying, castration or retained testicles.
  4. Bathing or de-matting your pet unless a vet confirms this is necessary to treat a condition.
  5. Health enhancers unless to treat a condition and or pheromone products.
  6. Any treatment related to pregnancy, giving birth or rearing puppies or kittens.
  7. Our of Hours or house calls except where a vet considers your pet cannot wait until normal surgery hours.
  8. The cost of a cage, bedding or other medical equipment.
  9. The cost of transplant surgery, including pre and post operative care.
  10. The cost of prosthesis, including any vet treatment needed to fit the prosthesis, other than the cost of hip, knee and/or elbow replacement(s).
  11. Any claim as a result of a notifiable disease including rabies.
  12. Dogs that have been trained to attack, or used as a commercial guard or security purposes, or for any form of racing, commercial or monetary gain, or any cat that is used for commercial breeding or monetary gain.
  13. Dogs that should be registered under the Dangerous Dogs Act 1991 including the Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Braziliero, Wolf hybrids and American Bulldogs.
  14. Dogs that worry livestock
  15. Death benefit from illness if your pet is aged 9 years and over.

4. Are complementary treatments covered?

M&S pet policies cover Complementary treatment up to £500 in respect of the essential and standard policies and up to £1,000 in respect of the Premier policy.

Treatment is described as chiropractic manipulation, hydrotherapy, osteopathy and physiotherapy carried out on the
recommendation of the treating vet. Policies exclude any herbal medicine not prescribed by a vet.

The Premier policy also includes cover of up to £250 for the treatment of behavioural, mental or emotional disorders.

5. Does the policy cover Prescription food and Dentistry?

The Essential and Standard policies do not cover food of any description.

The Premier policy covers food up to £200 used to treat a condition and recommended by a vet.

The Essential policy covers dental treatment as a result of an injury only.

The Standard and Premier policies cover dental treatment as a result of illness or injury. You pet must have had it's teeth checked within the last 12 months and any recommended work carried out.

6. Are MRI/CT scans and Cruciate Ligament claims covered?

All policies cover MRI/CT Scans and cruciate ligament claims up to the vet fees limit, depending on which policy you choose.

7. Does the policy cover the cost of euthanasia?

All three policies cover the cost of Euthanasia and help with burial and cremation costs. The essential and standard policies cover up to £100 and the Premier policy up to £200.

8. Can I cover more than one pet on the same policy?

M&S pet offer a 5% multi discount for each additional pet insured under the same policy (cat or dog).

9. Will the policy cover my pets pre-existing medical conditions?

M&S pet do not cover any illness, injury or change in your pet's normal healthy state that you or your vet notice prior to the start of the policy.

10. Will the policy cover my pet during pregnancy?

M&S pet do not cover any vet treatment caused by pregnancy, giving birth or rearing puppies or kittens.

11. Am I covered to take my pet abroad?

The M&S Pet Essential and Standard policies do not cover taking your pet abroad.

The Premier policy will cover taking your pet abroad 3 times a year for up to 60 days per trip.

In addition to the extension of emergency vet fees, the policy also covers, loss of healthcare certificate, repeat tapeworm treatment, quarantine costs and emergency repatriation.

12. Is there a waiting period before I am covered?

You are unable to claim for any illness to your pet for the first 14 days of the policy.

13. How much of any claim do I have to pay?

The standard policy excess for cats and dogs is £100. This can be reduced to £50 (by paying a higher premium) or increased to £150 (and paying a lower premium)

The standard excess for third party liability claims is £250.

14. Am I required to make additional monetary contributions to any claim?

Unlike many pet insurance policies M&S do not charge an additional co-payment when your pet reaches a certain age. Instead they increase the fixed excess. When your pet reaches the age of 9, the standard excess increases to £200. This can be reduced to £150 (by paying a higher premium) or increased to £250 (and paying a lower premium).

15. Website Navigation and online shopping experience

The M&S Financial Website deals with a lot of products, not just insurance but credit cards, current accounts, loans etc.

The Pet Insurance section was easy to find and is functional in it's layout if uninspiring. There is plenty of information provided on the products they offer, including policy wording, product information documents and a side by side comparison of cover.

M&S do offer live chat, but sadly won't deal with Insurance related queries as we found out. The quote system is easy to use and relevant information is provided, before you make any decision.

16. Is the policy wording easy to understand?

The policy wording is 28 pages long and deals with all three policies. There is a useful summary of cover and an index of contents. Headings are colour coded and each section of cover is split helpfully into what is and what isn't covered.

The only issue is that each of the three policies have slightly different terms and conditions (some areas are covered by one policy and not the other) Each section of cover is therefore dealt with separately for each policy. All three policies have the same colour coded headings and it was time consuming scrolling up and down remembering which policy the section of cover was talking about.

In our reading test, the policy wording scored an average of 65.5 out of 100 and was classed as average reading, with a reading age of between 12 - 14 years of age required to be able to understand the terminology.

 

17. Is the Insurer listed on comparison sites?

M&S Pet Insurance is listed on MoneySupermarket, Confused.com and CompareTheMarket.

All three comparison sites charged different premiums for exactly the same cover and criteria.

18. Does the policy include a helpline?

All policyholders have free access to VetFone a 24 hour freephone pet health helpline

19. What do customer reviews say?

We were unable to find enough reviews on M&S Pet Insurance to make any meaningful comments. A few complaints related to large increases at renewal.

20. Are there any administration charges?

There are no administration charges.

21. Are there any special discounts or promotions?

You can obtain a 15% discount if you purchase online through the M&S website.

22. Overall Summary

We awarded the Premier policy 5 stars for the comprehensive levels of cover that it provides. Premiums are about average for the levels of cover provided. The Essential and Standard policies also have good levels of cover, and are slightly below average when compared to similar policies.

A big bonus for all three policies is that as your pet gets older, there is no percentage contribution to make in the event of a claim and the standard excess is flexible.  On larger claims this could end up saving you a lot of money.

Note you only have 60 days to report any claim, for it to be considered.

Marks & Spencer Pet Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on marks-spencer-pet-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Marks & Spencer compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Marks & Spencer Policies

We've highlighted Pro's and Cons for Marks & Spencer, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Marks & Spencer Pet Insurance.

  • Premier Policy awarded a 5 star rating
  • 15% discount when you buy online
  • Access to VetFone a free 24 hour helpline
  • Premier Policy covers behavioural disorders
  • The cost of Euthanasia and assistance with Burial or Cremation
  • No co-insurance payment as your pet gets older
  • Only 60 days to report any claim.

What Cover do Marks & Spencer policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Premier

    Dog

    Standard

    Dog

    Essential

    Dog

    Premier

    Cat

    Standard

    Cat

    Essential

    Cat

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    100

    100

    100

    100

    100

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Per Condition Time Limited
    Per Condition Time Limited Explanation
    Cover Type Icon

    0

    0

    3,000

    0

    0

    3,000

  • Maximum Benefit Time Limited
    Maximum Benefit Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Maximum Benefit Per Condition
    Maximum Benefit Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    7,000

    4,000

    0

    7,000

    4,000

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    7,000

    4,000

    3,000

    7,000

    4,000

    3,000

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    1,500

    600

    600

    1,500

    600

    600

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    1,500

    600

    600

    1,500

    600

    600

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    1,500

    600

    600

    1,500

    600

    600

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    2,000

    1,200

    1,200

    1,250

    600

    600

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    2,000,000

    1,000,000

    1,000,000

    0

    0

    0

  • Third Party Liability Excess
    Third Party Liability Excess Explanation
    Cover Type Icon

    250

    250

    250

    0

    0

    0

  • Cruciate Ligament Rupture
    Cruciate Ligament Rupture Explanation
    Cover Type Icon

    7,000

    4,000

    3,000

    7,000

    4,000

    3,000

  • CT/MRI Scans
    CT/MRI Scans Explanation
    Cover Type Icon

    7,000

    4,000

    3,000

    7,000

    4,000

    3,000

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    200

    100

    100

    200

    100

    100

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    1,000

    500

    500

    1,000

    500

    500

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    200

    0

    0

    200

    0

    0

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    750

    600

    0

    750

    600

    0

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    3,000

    0

    0

    3,000

    0

    0

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    500

    0

    0

    500

    0

    0

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    2,000

    0

    0

    2,000

    0

    0

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    2,000

    0

    0

    2,000

    0

    0

  • Loss of Pet Passport
    Loss of Pet Passport Explanation
    Cover Type Icon

    250

    0

    0

    250

    0

    0

  • Accidental Damage to Property
    Accidental Damage to Property Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident (Pets)
    Personal Accident (Pets) Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    200

    100

    100

    200

    100

    100

Sample Quotes from Marks & Spencer Pet Insurance.

Listed below are some Sample Quotes offered by Marks & Spencer Pet Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Type:Dog

Cover:Per Condition Time Limited

Age: 1

Breed: Medium

Group: Mongrel

Marks & Spencer Travel Insurance Review
Product Rating

Experience Rating

Essential

100

Per Condition Time Limited 3,000

Complimentary Treatment 500

Dental 3,000

Death from Accident 600

Death from Illness 600

Theft or Straying 600

Advertising and Reward 1,200

Third Party Liability 1,000,000

Type:Dog

Cover:Per Condition Time Limited

Age: 10

Breed: Medium

Group: Mongrel

Marks & Spencer Travel Insurance Review
Product Rating

Experience Rating

Essential

100

Per Condition Time Limited 3,000

Complimentary Treatment 500

Dental 3,000

Death from Accident 600

Death from Illness 600

Theft or Straying 600

Advertising and Reward 1,200

Third Party Liability 1,000,000

Type:Dog

Cover:Lifetime Maximum Benefit

Age: 10

Breed: Medium

Group: Mongrel

Marks & Spencer Travel Insurance Review
Product Rating

Experience Rating

Standard

100

Lifetime Maximum Benefit 4,000

Complimentary Treatment 500

Dental 4,000

Death from Accident 600

Death from Illness 600

Theft or Straying 600

Advertising and Reward 1,200

Third Party Liability 1,000,000

Type:Cat

Cover:Lifetime Maximum Benefit

Age: 6

Breed: Moggie

Group: Moggie

Marks & Spencer Travel Insurance Review
Product Rating

Experience Rating

Premier

100

Lifetime Maximum Benefit 7,000

Complimentary Treatment 1,000

Dental 7,000

Death from Accident 1,500

Death from Illness 1,500

Theft or Straying 1,500

Advertising and Reward 1,250

Type:Cat

Cover:Per Condition Time Limited

Age: 1

Breed: Moggie

Group: Moggie

Marks & Spencer Travel Insurance Review
Product Rating

Experience Rating

Essential

100

Per Condition Time Limited 3,000

Complimentary Treatment 500

Dental 3,000

Death from Accident 600

Death from Illness 600

Theft or Straying 600

Advertising and Reward 600

Type:Cat

Cover:Per Condition Time Limited

Age: 10

Breed: Moggie

Group: Moggie

Marks & Spencer Travel Insurance Review
Product Rating

Experience Rating

Essential

100

Per Condition Time Limited 3,000

Complimentary Treatment 500

Dental 3,000

Death from Accident 600

Death from Illness 600

Theft or Straying 600

Advertising and Reward 600