The Pet Insurance

Guide 2016

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

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


Ratings Explained for Popular Pet Insurance Providers



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  1. It is my experience that they actively seek to not pay out for anything that you should not take out a policy with them unless you have a puppy that has never been to the vets as they exclude any part of the body that the vet has had reason to examine. They are slow to process a claim and will use a variety of excuses as to why they are not proceeding with a claim which has lead me to the conclusion that they look to find reasons not to pay a claim whether or not it is related to any other condition.

    1. Sorry to hear you have had a bad experience Alison. Do remember that you can take complaints to the Financial Ombudsman who will consider very carefully whether two conditions are really related. For example I have known them order pet insurance companies to pay for cruciate injuries even where the dog has had cruciate treatment for the other leg in the past – because the pet insurance company could not actually show any link between the two conditions.

      1. Thank you, I’m doing that but apparently you have to go through the complaints process which we are doing. Its already coming to light that they’re missing information.

  2. My experience is the same as Alison’s. They trying not to pay by alleging an eye and emergency operation was a pre-existing condition. It wasn’t pre-existing. They are not reputable. You can’t rely on them when you need them for things that should reasonably be covered. I would not recommend them. I pay £100 per month for one dog and the policy is not worth the paper it is written on. DON’T USE THEM