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M&S – Essential Policy – Details

m&s pet insurancePolicy Type:  Time Limited Cover

Vet Fees Cover Limit: £3,000 per condition (limited to first 12 months of treatment).

Maximum Age for New Policies: None

Key Points to Note

  • Low fixed excess for pets under 9 years old
  • No contribution payments for pets of any age
  • Will only pay for treatment for the first 12 months of any condition
  • Dental cover for accidental injury only
  • Will not pay for any prescription food
  • No cover for boarding fees, holiday cancellation or travel
  • See full review of M&S strengths and limitations
  • See a summary of M&S customer reviews
Disclaimer Notice: Whilst we have taken great care in ensuring the information below is accurate, we cannot be responsible for its accuracy and you must check all the details with the insurer before purchasing the policy. The details below relate to the current policy available from the insurer. Terms for existing policies you have may be different.

Excess and Contribution Rates

  • Low fixed excess of £50 for pets under 9
  • This increases to £150 for pets aged 9 or over.
  • You can opt to increase this by £50 or £100 in return for a lower premium.
  • No contribution payments for pets of any age.

Vet Fees Benefits

Dental Costs: For treatment required as a result of accident only.
Prescription Food: Not covered 
Euthanasia: £100 (to cover euthanasia/cremation or burial)
Complementary Therapies: £500 per year (included in vet fees limit)
Behavioural Therapy: Not covered.

Third Party Liability Cover

Third Party Liability: £1 million – No non-standard exclusions.

Additional Benefits

Death Benefit – Illnesses Pays purchase price of your pet (maximum £600) for pets under 9 years old.
Death Benefit – Accidents Pays purchase price of your pet (maximum £600).
Theft & Straying Benefit Pays purchase price of your pet (maximum £600).
Advertising & Reward £600 each
Boarding Fees Not covered
Holiday cancellation  Not covered

Travel Cover

Vets Fees Abroad  Not covered
Quarantine Fees  Not covered
Loss of Documents Cover  Not covered
Emergency Expenses Abroad.  Not covered


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