The Pet Insurance

Guide 2016

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

Sainsbury's Policies – Review

Sainsburys Pet Insurance Review RatingVerdict

Sainsbury’s pet insurance policies are underwritten by Allianz (who own Petplan).

Unfortunately recent customer reviews about Sainsbury’s pet insurance have been disappointing with many people complaining about delays.  

Although they  do not offer lifetime pet insurance policies they do offer a maximum benefit condition policy with a limit of £13,000 per condition.

This review of Sainsbury’s Pet Insurance policies by published in . For further information about how the rating of 3.5 out of 5 was arrived at please see


Sainsbury’s need little introduction!

They provide pet insurance through their finance division – Sainsbury’s Bank.

Their underwriter, Allianz Insurance, is one of the largest general insurers in the UK and part of the Allianz SE Group, one of the leading integrated financial services providers worldwide.

Customer Feedback

As mentioned above recent feedback for Sainsbury’s pet insurance has been disappointing.   Almost all negative reviews complain about delays.     Read Sainsbury’s Customer Reviews analysis

Good Points

  • Most additional benefits are optional
  • Includes dental cover for illnesses in addition to accidents.


  • Recent negative customer feedback
  • No lifetime policies available
  • Holiday cancellation cover only applies to trips to EU countries
  • Will only pay very limited prescription food (Will only pay for food which is to treat either the first occurrence of bladder stones or crystals in urine (max 40% for six months) or is liquid food given whilst your pet is hospitalised (max 5 days)

Other Points to Note

  • You have to pay 20% of vet fees for pets over 9
  • New policies are only available to pets under 9 years old.

Policy List

Click on a policy name to view full policy details

Standard Policy – Time Limited Policy – £3,000 per Condition (for first 12 months treatment)

Premier Policy – Maximum Benefit Policy – £7,500 per Condition  

Premier Plus Policy – Maximum Benefit Policy – £13,000 per Condition   

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  1. This morning, I tried to get a quote for my very healthy, regularly vet checked Jack Russell Terrier who has upto date injections and full health history from Sainsburys Pet insurance. They are advertising 12 months for the price of 9 on new policies, except that they dont advertise that they are “Cherry Picking” younger , healthier dogs. My Toby is 10 and they , without checking on his history, refuse to even give me a quote! That to my mind is blatant discrimination and I have emailed them to say so.
    I also informed them that I would use social media to let the world know about them.

    I am disgusted with them and would not now, under and circumstances , darken Sainsburys door.

    1. Thank you for your comment Harry. Unfortunately many pet insurance companies still do have age limit for new policies. There are though many insurers who will insure dogs of any age. Here is a list of them.