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Policy Details

Marks and Spencer Pet Insurance - Premier

Policy Details

Policy TypeVet Fees LimitExcess RangeContribution RangeMaximum AgeWaiting PeriodVet HelplinePay Vet DirectPrice Comparison SitesOnline DiscountMultiple Pet Discount
Lifetime Annual Benefit £ 7,000 £50-£250 0 None 14 Days 15%5% for extra pets


Whilst we have taken great care in ensuring the information below is accurate, we cannot be responsible for its accuracy and you must check all the details with the insurer before purchasing the policy.
The details below relate to the current policy available from the insurer. Terms for existing policies you have may be different.

  • Key Points
  • Complementary Therapy
  • Excess/Contribution
  • Older Pets
  • Includes dental treatment, prescription food and behavioural therapy.
    You do not have to pay a percentage of treatment fees for older pets. However the excess charge is increased by £100. The policy will pay holiday cancellation fees if your pet is ill or injured and requires emergency vet treatment in the 9 days before you are due to travel or whilst you are away. (Most policies will only pay if it is immediate life-saving treatment). Boarding fees are limited to £70 per week (maximum £750).

  • Complementary therapy cover includes

    Chiropractic treatment
    Herbal medicine
    The cover limit for complementary therapy is £1,000 which is well above average when compared to other policies. This is included within your vet fees cover limit.
    This policy will also pay for behavioural therapy.

  • You can choose to have an excess payment of £50, £100 or £150 for pets under 9.
    There are no contribution charges for pets of any age.
    The excess for third party liability claims is £250.

  • There is no maximum age at which you can take out a new policy.
    There are no contribution payments for older pets.
    If your pet dies as a result of illness a death benefit can only be claimed if they are under 9 years old.

Benefits Covered? Cover Limits
Additional Benefits

Third Party Public Liability

£ 2,000,000

Death/Loss Benefits

Accidental Death

£ 1,500

Death by Illness

£ 1,500

Lost or Stolen

£ 1,500

Emergency Care (Boarding Fees)

Boarding Kennels

£ 750

Daily Minding

£ 750

Overseas Travel

Vet Treatment Abroad

£ 2,000


£ 2,000

Loss of Documents

£ 250

Repeat Worming

£ 500

Emergency Expenses

£ 500

Other Benefits


£ 2,000

Holiday Cancellation

£ 3,000

Accidental Damage

Behaviour Consultation


Referral Travel Cost

£ 30

Checkout a Policy


Please note that pet insurance terms often change. Whilst we will do our best to keep this website up to date you must check with the appropriate insurer before making any decisions. If you find any mistakes on this website please do let us know so we can correct it for the benefit of future visitors. Many thanks!


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