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Sainsbury’s Pet Insurance – Our Verdict

Sainsburys Pet Insurance Review RatingWe have given Sainsbury’s a rating of 3.5/5.  Here we explain how we arrived at this rating and why Sainsbury’s didn’t score 5/5!

Many organisations unfortunately do not reveal how they reach their rating.  We are doing so because our aim is to provide you with as much information about pet insurance policies as we can and so you can make your own judgement. 


Policies 3/4
Benefits and Small Print 3/3
Renewal Premiums 2/3
Customer Satisfaction 0.5/3
Excess and Contribution 2/2
Total out of 15 10.5
Star Rating out of 5 3.5


Sainsbury’s do not currently have any lifetime policies.  Their most comprehensive policy is a maximum benefit policy which pays £13,000 per condition. 

Benefits and Small Print  

Sainsbury’s policies include cover for euthanasia, dental treatment (for accidents and illnesses) and limited prescription food.   

The death or loss benefit payable is based on the purchase price of your pet (rather than market value and/or use of a sliding scale).

In our opinion the small print is “clean” by which we mean we found very few other non-standard exclusions. 

Renewal Premiums

We have found a few negative comments about Sainsbury’s renewal premium increases, although no more than for the average pet insurance company.  

Customer Service 

Unfortunately there are lots of negative reviews about customer service from Sainsbury’s in the last few months.  Almost all the negative reviews talk about delays!   More about Sainsbury’s’ customer reviews.

Excess and Contribution

The fixed excess is average at £75 per condition.  You do not though have to pay a percentage of the vet fees until your pet is 9 years old. 

More Information

More About Sainsburys


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