Sainsbury’s Pet Insurance Reviews (UK) – 2019 Dog Owner Guide

sainsburys pet insurance

When it comes to choosing pet insurance for your dog, it can be quite an overwhelming experience.

After all, you have a large number of companies that are all claiming to have the best offers and prices on the market, and they say that each of them will be perfect for your dog.

To help make things a little easier, we have put together this series of pet insurance guides. Sainsbury’s can be a good one to go for if you want decent coverage at good prices.

Take a look at the Sainsbury’s pet insurance reviews below to see if it is the right match for you and your dog.

What Pet Insurance Policies Do Sainsbury’s Offer for Dogs?

Sainsbury’s offers three types of coverage with its pet insurance, and it is possible that one of them could be just what you are looking for. What we do in this section is take a look at each of these policies and the main things that they cover.

First, you have the standard cover. This tends to be the cheapest form of coverage available, and while it will not cover everything, it does have the basics included. Here’s what you can expect it to cover:

  • Up to £3,000 vet coverage per condition for 12 months.
  • Multiple conditions covered.
  • Personal liability of up to £1 million.
  • Excess of £99.

Next, you have the premier coverage. This tends to be more middle ground in terms of price, and it covers more than the standard coverage. It is the most popular choice, and here is what you can expect it to cover:

  • Up to £7,500 vet coverage per condition.
  • Multiple conditions covered.
  • Personal liability of up to £2 million.
  • Excess of £99.

Finally, you have the premier plus coverage. This is the most expensive choice, but it does have the most coverage of the three options. Here is what you can expect it to cover if you choose it:

  • Up to £13,000 vet coverage per condition.
  • Multiple conditions covered.
  • Personal liability of up to £2 million.
  • Excess of £99.

What Does Sainsbury’s Pet Insurance Include?

When it comes to looking at what is included in Sainsbury’s pet insurance, a lot of it often depends on the type of insurance that you have selected.

If you take a look at the section above, you will see that we have detailed each policy and what they include.

This helps you to get a better idea of what you are looking for. However, for a general guide as to what is included, you can take a look at the list below:

  • Up to £13,000 vet coverage per condition, depending on the coverage you choose.

With this part of the coverage, it should be noted that the following is included in the overall amount that you can be offered: overseas veterinary treatment, complementary treatment, physiotherapy, behavioural issues.

  • Multiple conditions covered.
  • Personal liability of up to £2 million, depending on the coverage you choose.
  • Excess of £99.

What is the Cost of Sainsbury’s Insurance for Dogs?

It is important to remember that there are a few things that will affect the amount that you will be quoted for your pet insurance, and this is something that goes for all companies, including Sainsbury’s.

As a result of this, you should also remember that the costs listed in this section are only a rough guide. Here are some of the factors that could affect the amount of your quote:

  • Age
  • Breed
  • Sex
  • Any existing illnesses
  • Whether or not they have been neutered/spayed
  • The postcode of the owner

We got a quote from Sainsbury’s to give you an idea of the cost of pet insurance from them.

To make things easier, we have selected insurance for a neutered male Labrador that is three years old and lives in Basingstoke. Here is what we got:

  • Standard: £24.25 per month (up to £3,000 of cover for 12 months).
  • Premier: £41.00 (up to £7,500 of cover per condition).
  • Premier Plus: £67.27 (up to £13,000 of cover per condition).

Making a Claim on Sainsbury’s Pet Insurance

When it comes to making a claim on your Sainsbury’s pet insurance, you will be relieved to know that there is no stress or hassle involved when it comes to the process, and you will likely find that it is surprisingly easy to do.

There are three ways in which you can claim, and they are detailed for you in this section.

The first way is by claiming online. This popular way to claim is quick and easy, with very little effort required to get things done.​

All you need to do is access the relevant claims form online and fill it out as accurately as possible.

Once it is filled out, you simply need to upload it to the claims page and wait for a response to say that your claim was successful.

Alternatively, you can pick up the phone and give them a call on the insurance number provided to you with your policy.

This also tends to be a relatively quick way to claim, although you should bear in mind that you may have to wait for a call back to see if you have been approved for your claim.

Sainsbury’s also offer you the ability to claim directly through your vet. This means that you don’t have to worry about paying first and claiming back later – you only need to pay the excess that you agreed to when you purchased your policy.

This is often the fastest, easiest, and stress-free way to make a claim.

The Pros and Cons of Sainsbury’s Pet Insurance

Here are some of the advantages and disadvantages that come with using Sainsbury’s pet insurance to protect your dog.


  • Good number of policies to choose from.
  • Good coverage for conditions on each policy.
  • Excellent discounts for new and existing customers (see below).
  • Easy to make a claim.


  • Tends to be a little more expensive than most other providers.

Sainsbury’s Pet Insurance Discount Codes

There are no discount codes for Sainsbury’s pet insurance online, but there are some excellent deals and discounts available if you decide to get your pet insurance through them.

At the moment, they are offering 12 months of insurance for the price of 9, which means you could make significant savings on the amount that you pay for the first year that your dog is insured.

They also have a multi-pet discount, which you can activate even if you get your second pet after the first has been insured.

They guarantee a minimum discount of £24 per year. This is great if you are an animal lover, and the discount covers up to six pets within the household.

There are also Nectar Card discounts and bonuses that you can receive through Sainsbury’s pet insurance.

If you have a Nectar Card, you could be eligible for a further discount of up to 12.5% off your insurance. In addition to this, you could also receive double Nectar points at Sainsbury’s for two years.

Customer Reviews

Compared to most other pet insurance companies, Sainsbury’s does not have very many online reviews from customers.

While we will still list the figures here, it is important to bear the lack of reviews in mind when you are deciding which company to use. After all, Sainsbury’s could be the perfect one for you and your dog. Here are the figures we collected:

  • Pet Insurance Review has rated it at 1.9/5 with around 100 customer reviews.
  • Review Centre has rated it at 1.8/5 with nearly 200 customer reviews.

To Conclude

Hopefully, you have found this guide to Sainsbury’s pet insurance insightful and helpful when it comes to finding out what they offer and approximately what you can expect to pay each month for your pet insurance.

They have some pretty amazing bonuses and discounts when you buy their insurance, as well as relatively good coverage as a whole.

Of course, it is important that you always take the time to do your research before you invest in pet insurance to make sure you are getting the best coverage for the best possible price.

What did you think of our guide to Sainsbury’s pet insurance? Is there anything you would have added? We love hearing from you, so let us know in the comments below.

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