The Pet Insurance

Guide 2016

Independent Unbiased Information
for Fellow Pet Owners
As Featured On BBC1's Rip Off Britain Consumer Programme

RSA Pet Insurance - Preferred Referral Network Launched

RSA Pet Insurance

Pet owners who have pet insurance policies underwritten by The RSA Group will find that in future if their pet needs to be treated by a referral vet other than for emergency treatment, they will have to pay an additional charge if they are referred to a vet which is not part of the RSA Preferred Referral Network

Pet insurance companies which are underwritten by RSA include More Than, Tesco, John Lewis, Homebase, M&S and Argos. 

The Preferred Referral Network was launched on 16 December and currently comprises 27 practices. (Although this list is on the More Than website it is common for all pet insurances companies underwritten by The RSA Group.

The RSA Group say that they are currently in discussions with a number of other referral practices who have expressed an interest in joining the network.

It is important to be aware though that pet insurance policies are governed by the policy terms which are issued to the policyholder.   So if pet owners (or their vets) wish to use a referral centre which is not part of the network, pet owners should check their documentation to find out whether additional charges will apply. 

More Than & Tesco 

At the present time the only pet insurance companies that we are aware have amended their documentation are More Than and Tesco which both now included the clause “If a referral vet from outside our network is chosen, you will need to pay £200 of the referral vet bill yourself. This amount is in addition to your policy excess”.  The RSA Group say that they will be informing customers of these changes when they take out a new policy or renew their existing policy. 

Other RSA Policies

As far as we are aware the other pet insurance companies which are underwritten by The RSA Group have not yet updated any policy documentation to require pet owners to pay an additional charge if they use vets which are not part of the RSA Preferred Referral Network.  

Referral Helplines

More Than and Tesco have set up referral helplines for their policyholders if they have questions regarding the Network or about their terms and conditions. 

More Than    0330 100 6445

Tesco             0330 100 6460

More Information

RSA Press Release – 27 Practices Sign Up to RSA’s Preferred Referral Network

BVA & BSAVA Response – 18 December 2015


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  1. I can understand why they are doing this as some vets are just profiteering however they should not have gone ahead with the scheme until they have vets in every area otherwise not fair on the pets or their owners.
    I have a multi pet policy which I will not renew unless they have vets I can use in my area.