Marks and Spencer Pet Insurance

Marks and Spencer Pet Insurance reflects their reputation for quality and service, offering Standard, Essential, and Premier coverage levels. Their policies include comprehensive benefits like dental coverage and complementary therapies, with veterinary fees covered up to £7,000 annually. M&S Sparks members enjoy exclusive discounts and rewards, while all policies include access to their 24/7 vet helpline.

Coverage Benefits

Vet Fee Coverage

Maximum Vet Fees

Covered each year up to £1,000 per condition with £4,000 yearly limit

Claim Limit

£1,000

Vet Fees Excess

You'll pay £225 per condition per year

Additional Benefits

  • Death by Accident Cover: £600
  • Third Party Liability: £2,000,000
  • Boarding Fees: £750 Limited to a maximum of £70 per week
  • Lost or Stolen Cover: £600

Support Services

  • UK-Based Call Centers
  • Vet Advice Helpline
  • Bereavement Counselling
  • Legal Advice Service

Premium & Cost Breakdown

Annual Premiums

Minimum Premium:£52.97
Average Premium:£422.55
Maximum Premium:£1880.33

Monthly Payment Option

Average monthly payment: £99.89

Number of instalments: 12

Initial deposit required: 0

Premium Distribution

Premium Range
£52.97 - £1880.33

Distribution based on policy data analysis

What Affects Your Premium

  • Pet's age, breed, and species
  • Coverage level selected (Basic, Standard, or Premium)
  • Your location and local vet costs
  • Previous claims history

Coverage Highlights

Lifetime CoverMost Popular

Vet Fees

Up to Covered each year up to £1,000 per condition with £4,000 yearly limit

Excess

You'll pay £225 per condition per year

Key Benefits

  • Dental coverage included
  • Prescription medication covered
  • Complementary treatments

Time Limited Cover

Vet Fees

Up to Covered each year up to £1,000 per condition with £4,000 yearly limit

Excess

You'll pay £225 per condition per year

Key Benefits

  • Dental coverage included
  • Prescription medication covered
  • Complementary treatments

Policy Coverage and Benefits

Premium Range

Minimum

£52.97

Maximum

£1880.33

Average

£422.55

Cover Types

  • Lifetime
  • Time Limited

Coverage Distribution

Dogs

64.7%

Cats

35.3%

Comprehensive Policy Details

Coverage FeatureBenefitDetails
Vet FeesCovered each year up to £1,000 per condition with £4,000 yearly limitMaximum amount claimable for veterinary treatment
Death by Accident£600Payment if your pet dies due to an accident
Death by Illness£600Payment if your pet dies due to illness
Third Party Liability£2,000,000Coverage for damage or injury caused by your pet to others
Lost or Stolen£600Coverage if your pet is lost or stolen
Advertising & Reward£600Costs for advertising and reward if your pet is lost
Boarding Fees£750 Limited to a maximum of £70 per weekKennel/cattery fees if you're hospitalized
Travel CoverageIncludedTravel-related coverage including quarantine costs

Fees & Charges

Policy Fees

Set Up Fee:0
Renewal Fee:0
Cancellation Fee:0
Adjustment Fee:0
Duplicate Documents Fee:0

Excess Information

Standard Excess

£225 - This is the amount you pay towards each new condition claimed for.

Co-Payment

N/A - This is an additional percentage that you pay towards the remaining claim amount after the fixed excess.

Example Claim Calculation

Total vet bill:£800
Fixed excess:-£100
Remaining amount:£700
Co-payment (20%):-£140
Insurer pays:£560
You pay:£240

Frequently Asked Questions

How do Sparks rewards work?

Earn Sparks points on premiums and access exclusive member discounts on insurance.

What dental treatments are covered?

Both dental accidents and illnesses are covered, including periodontal disease with regular check-ups.

Can I use any vet?

Use any licensed UK vet, with direct payment available at participating practices.

What are the payment options?

Monthly payments available at no extra cost, or pay annually for additional discount.

Next Steps with Marks and Spencer

How to Get Coverage

  • Visit Marks and Spencer's website directly
  • Takes about 5-10 minutes to complete
  • Have your pet's details ready

Important Note

The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:

  • Your pet's age and breed
  • Your location and coverage needs
  • Current market conditions and provider pricing

Please contact Marks and Spencer directly for the most accurate and up-to-date quotes for your specific situation.