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M&S Policies – Review

m&s pet insurance review ratingVerdict

M&S offer policies ranging from the very basic to quite comprehensive.  They do not though require you to make contribution payments for pets of any age.   However you should be aware that we have heard some reports of high renewal premium increases.

This review of M&S Pet Insurance policies by published in . For further information about how the rating of 3.7 out of 5 was arrived at please see M&S Pet Insurance – How Good is it?

Marks and Spencer Plc need little introduction!

They provide pet insurance through their finance division – M&S Bank.

Their pet insurance policies are underwritten by Royal Sun Alliance (RSA)

Customer Feedback

M&S performed well in the recent claims satisfaction survey carried out by our sister site – Pet Insurance Surveys – in October 2014.  

However they did less well in the recent Which? survey.  

We have also read some reports of high premium increases    Read M&S Customer Reviews analysis

Good Points

  • Lifetime policies available
  • Low excess (£50)
  • Can opt to increase excess in return for a lower premium
  • Premier policy includes dental cover for illnesses as well as accidents


  • Some complaints of premium hikes
  • Only the Premier policy includes travel cover and holiday cancellation cover

Other Points to Note

  • The Standard policy only covers £1,000 treatment per condition per year (with a maximum of £4,000 each year to cover all conditions).
  • No maximum age for new policies
  • Premier policy will pay up to £200 for prescription food

Policy List

Click on a policy name to view full policy details

Essential Policy – Time Limited Policy – £3,000 per Condition

Standard Policy – Lifetime Policy – £1,000 per Condition per year (Maximum £4,000 to cover all conditions)

Premier Policy – Lifetime Policy – £7,000 per year to cover all conditions


Recent Claim Experiences with M&S

If you have claimed on a M&S policy in last 12 months it would be great if you could share your experiences with others by completing our 2-minute survey.

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