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. 

Summary

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

Policies

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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Comments

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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

  3. Have to say I have found them exceptionally good. Our poor dog developed severe allergies and after lots of large claims over a five year period, they were always relatively prompt with payment and paid out every single time with no queries

  4. Annual renewal increase of 50%!!! One claim in 3 years for a dog 5 years old. When called they were down right rude and tried to justify the price rise. Shopped around and found better cover for cheaper price.

  5. I have to copy Alison Wards comments they are exactly the same as our experience -I WOULD NEVER RECOMMEND SAINSBURYS PET INSURANCE!
    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.

  6. £2,500 I payed upfront as this insurance company were messing around and my dog was in pain. Now they have found an excuse not to pay. They have been through my dogs history and found any minor ailment, this has then been manipulated to avoid coughing up! I would never ever recommend to use this company. WHAT A JOKE!

  7. My experience is a very negative one indeed.I took out a policy in good faith declaring a past cruciate operation for my dog.Direct debit sorted and previous policy cancelled i settled back thinking that as they had not got back to me to say there was a problem with my cover everything was ok.Five months later my dog had another cruciate problem on the other leg and they are refusing to pay out as allegedly this is a pre existing condition .Surely they have an obligation to scream this at me by email telephone or letter but they stayed as quiet as possible and sneaked the exclusion onto the rear of the certificate of insurance.Wriggling pathetically to avoid paying out and even several people at the RVC could not believe they will not pay out.Will take to the ombudsman.

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