Marks and Spencer Premier Pet Insurance
Marks and Spencer Premier Pet Insurance represents their highest level of coverage, offering extensive veterinary fee protection up to 12,000 annually. This premium policy includes comprehensive dental coverage, advanced complementary treatments, and enhanced behavioral support. Premier policyholders receive maximum Sparks rewards, priority service, and exclusive M&S benefits.
Coverage Benefits
Vet Fee Coverage
Maximum Vet Fees
Covered each year up to no limit per condition with £5,000 yearly limit
Claim Limit
No limit
Vet Fees Excess
You'll pay £225 per condition per year
Additional Benefits
- Death by Accident Cover: £1,500
- Third Party Liability: £2,000,000
- Boarding Fees: £750 Limited to a maximum of £70 per week
- Lost or Stolen Cover: £1,500
Support Services
- UK-Based Call Centers
- Vet Advice Helpline
- Bereavement Counselling
- Legal Advice Service
Premium & Cost Breakdown
Annual Premiums
Monthly Payment Option
Average monthly payment: £99.83
Number of instalments: 12
Initial deposit required: 0
Premium Distribution
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 no limit per condition with £5,000 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
£85.47
Maximum
£2095.41
Average
£581.25
Cover Types
- Lifetime
Coverage Distribution
Dogs
64.7%
Cats
35.3%
Comprehensive Policy Details
| Coverage Feature | Benefit | Details |
|---|---|---|
| Vet Fees | Covered each year up to no limit per condition with £5,000 yearly limit | Maximum amount claimable for veterinary treatment |
| Death by Accident | £1,500 | Payment if your pet dies due to an accident |
| Death by Illness | £1,500 | Payment if your pet dies due to illness |
| Third Party Liability | £2,000,000 | Coverage for damage or injury caused by your pet to others |
| Lost or Stolen | £1,500 | Coverage if your pet is lost or stolen |
| Advertising & Reward | £1,250 | Costs for advertising and reward if your pet is lost |
| Boarding Fees | £750 Limited to a maximum of £70 per week | Kennel/cattery fees if you're hospitalized |
| Travel Coverage | Included | Travel-related coverage including quarantine costs |
Fees & Charges
Policy Fees
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
Frequently Asked Questions
What makes Premier different?
Premier offers highest coverage limits, enhanced dental protection, and exclusive benefits.
How do enhanced rewards work?
Earn triple Sparks points on premiums plus quarterly M&S vouchers.
What extra services are included?
Includes advanced complementary therapies, behavioral support, and overseas cover.
How does priority service work?
Access dedicated Premier team with priority claims processing and 24/7 support.
Next Steps with Marks and Spencer Premier
How to Get Coverage
- Visit Marks and Spencer Premier'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 Premier directly for the most accurate and up-to-date quotes for your specific situation.