The Pet Insurance

Guide 2016

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

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

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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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  1. We have been with M&S for our two dogs for two years. It was a very good price initially but last year it went up quite a bit, despite having made no claims.
    We have just received our renewal notice and the price has soared once again – so we have looked online and found quotes which would save us around £18 per month with the same cover.
    M&S has been a good company and staff were really helpful when I called them with a query on the policy but they clearly don’t reward customer loyalty so sadly, we will be moving on.
    Maybe next year when we are a “new” customer again, they will treat us more favourably.

  2. Been with m and s since my dog was a puppy she is now 10 premiums £225 and are waiting for this years renewal in 10 days can’t change companies as she has on going problems I don’t think they want to renew my policy think there going to let it lapse they can’t give me how much it will be over the phone never had this before it’s always here by November got in touch with ombudsman bout them last year but nothing can be done would not recommend marks and Spencer’s pet insurance to anyone