marks and spencer pet insurance reviews | Watch This Item.

Average Ratings
Customer service4.7/10 Based on 56 ratings
Value for Money3.3/10
Reviewer Rating3.2/10
Overall Rating3.4/10 Based on 70 ratings

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21% Recommended14 out of 67 Reviews
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67 Review Centre Marks and Spencer Pet Insurance Reviews

  • Full review by
    millygoose
    on 20th Jun 2009


    User Rating : 1
    Respect : 0

    Good Points: Don't know of any!

    General comments: My dog had cruciate repair on her left leg which i paid for myself,some months later after taking out pet insurance with M&S her right ruptured,through trauma NOT disease.They would not cover this even though i have x rays to prove her other legs were fine..basically they cover four legged animals but only one of there legs!!! In fact if they have an illness they will not cover the same problem again regardless of where it is on the animal.
    millygoose's review and ratings     | 89 words

  • Review by
    Sporticus Rank: Lance Corporal
    on 20th Jun 2009


    User Rating : 5
    Respect : 0

    We have a nine year old Boxer and have made some vetinary claims over the past for irritant bowel problems and a small operation. Just got the renewal and it is 200% last years premium. On telephoning M&S I was told it was because of the age and breed etc. Fair enough but 200% thats one hell of an increase it is more than my car insurance.The main issue is that if you shop around and look at the policy documentation you will find that any 'Pre Existing' medical problems are not covered. So you h ...
    Sporticus's full review     | 205 words

  • Review by
    angiejcairns
    on 11th Jun 2009


    User Rating : 1
    Respect : 0

    I would not recommend M&S to anyone now. When i first took out pet insurance for our dog it cost £20 per month. He then developed Epilepsy when he was 2. Each year my policy has doubled, last year it was £64.99, had my renewal in today and the premium per month is £104.99. We can afford to pay this for our dog, but what alternative do we have!! We cannot change insurers now, admittingly they pay promptly and pay us about £100 per month for his meds, but isnt that what ...
    angiejcairns's full review     | 172 words

  • Review by
    chippie
    on 18th May 2009


    User Rating : 1
    Respect : 0

    I would not recommend M&S pet insurance to anybody. I did not realise that their cover is ANNUAL PREMIUM. Unlike other companies which are monthly premiums.My dear dog recently died and when the payment came back from M&S to cover the vet's bills they deducted the remaining year's monthly premium from the amount, which amounted to over £330 (6 months remaining at around £55 per month). I hadn't realised that they did this and it was only when I went through the policy booklet wi ...
    chippie's full review     | 223 words

  • Review by
    Guest.
    on 8th May 2009


    User Rating : 0
    Respect : 0

    Marks and Spencer Pet Insurance Sucked everyone in with their zero excess offer then changed it without warning. Anyone who owns a pet with an existing conditions is royally stuffed. Premium has this year gone from £24 per month to £48.
    Guest's full review     | 51 words

  • Review by
    FrankFrankFrank Rank: Lance Corporal
    on 6th May 2009


    User Rating : 2
    Respect : 0

    1. Guest on 6th May 2009 My premium last year for my 3 year old labrador was £179. This year (now he's four) its £251. When I rang Marks and Spencer and asked why the pet insurance premium had gone up 40% in a credit crunch year when people are struggling to make ends meet , getting no interest on their savings, being made redundant and a supposed inflation rate of -0.5 % is in force (when I had never ever claimed) , I got excuses like the cost of MRI scans (which ...
    FrankFrankFrank's full review     | 172 words

  • Review by
    Barbara101
    on 26th Mar 2009


    User Rating : 2
    Respect : 0

    I have recently received the new details of my dog's Marks and Spencer Insurance Premium, in two years it has gone up from £.9.99 per month to £26.00.The Insurance runs out in April, and on reading the policy ( I am about to make a claim), if my dog needs further treatment for the same condition in the new period on insurance I will have to pay another excess of £.70.00.p I am totally disgusted, and once I have checked that they have received my claim, I will inform no ...
    Barbara101's full review     | 104 words

  • Review by
    missyb8
    on 1st Feb 2009


    User Rating : 0
    Respect : 0

    I too have had my Marks and Spencer Pet Insurance renewal through, It was £12 per year when I took it out two years ago with a nil excess for my Labrador puppy. The renewal is £28 plus a £70 excess. I will not be renewing with them. Its a shame as they were without doubt the best insurer , in fact I recommended them to family and friends. I just hope that they review their policy!
    missyb8's full review     | 76 words

  • Review by
    Guest.
    on 24th Jan 2009


    User Rating : 4
    Respect : 0

    Marks and Spencer Pet Insurance were great a few years ago, one of the best policies around. My premium has gone up from £37.99 to £73.99!! £887 per year, more than double and a half what I pay for my car Insurance.
    Guest's full review     | 54 words

  • Review by
    Guest.
    on 21st Jan 2009


    User Rating : 0
    Respect : 0

    I too was disgusted with M&S when I got my policy renewal. Despite a very small claim during last year ( £65) my 3 year old pedigree dog's cover has more than doubled. When I rang to query this I was told it was because they had changed underwriters. I was on the top cover policy, they did not offer me any alternatives and customer service staff weren't helpful. I have taken my business elsewhere. The minor problem my dog had the year before will not be covered, but then it will not ...
    Guest's full review     | 149 words

  • Review by
    hethmar Rank: Sergeant
    on 11th Jan 2009


    User Rating : 3
    Respect : 0

    I feel disgusted with M and S. I swapped to them for the cover they offered and then they changed it and doubled premiums. Those of us stuck with them because we have had a claim or even just seen a vet without claiming are now going to have to either not have any insurance or pay double or treble premiums tothe ones we agreed to.Shame on them.
    hethmar's full review     | 117 words

  • Review by
    angelcake1974
    on 16th Dec 2008


    User Rating : 4
    Respect : 0

    I too am disappointed in the way M&S have simply changed the excess levels for existing customers. They have moved from AXA to Royal Sun Alliance as their underwriters. However, for those of you out there who want the same type of cover to what you're used to - simply go directly to AXA and their dog insurance mirrors the original M&S cover - the excess is £50 (sorry still no option to remove all excesses), so at least you are getting a better deal excess wise than M&S are now offering! ...
    angelcake1974's full review     | 132 words

  • Review by
    AbberCat
    on 12th Nov 2008


    User Rating : 0
    Respect : 0

    My dog was ill and then had to be put to sleep. I pay my insurance by direct debit, my dog died at the beginning of the renewal time, when I sent my claim through they advised me that because my dog had been treated in the first month of the yearly renewal and had died I still needed to pay the full annual premium £600, they would therefore take this off my vet bill I had sent them which basically meant I owed them money which they said in the circumstances they would not ask me to pay. ...
    AbberCat's full review     | 191 words

  • Review by
    Guest.
    on 27th Aug 2008


    User Rating : 10
    Respect : 0

    I've been very satisfied with the ease of making a claim and with the telephone helpline. An excellent service. M&S has paid the vet directly without problem or delay for each claim I've made. They are also one of the few insurance companies which the local vet will accept this arrangement with as other companies can be slow to pay. It made a huge difference not to have to find £800 up front for my animal's care. They are also competitively priced for older animals, and cover lifetime co ...
    Guest's full review     | 122 words

  • Review by
    Guest.
    on 16th Jul 2008


    User Rating : 1
    Respect : 0

    Pet insurace policy has changed. Had no excess before, which was the reason I went with this company, now have an excess of £70, and my premium has went up even with no claims. Pathetic!
    Guest's full review     | 34 words

  • Review by
    schnauzer
    on 2nd Jul 2008


    User Rating : 0
    Respect : 0

    I have been with M&S pet insurance for 4yrs, today I had my new insurance through, I had 0 excess now they have put a £70 excess, plus they have took away £200 prescription food. I did ring there office but was told its the same for every one. I have no choice but to stay with M&S as my dog is ill and a new insurance would not cover her. I would never recommend them again, as I think this is really unfair.
    schnauzer's full review     | 83 words

  • Review by
    dolphins1
    on 12th Jun 2008


    User Rating : 1
    Respect : 0

    I unfortunately have claimed several times, as my Labrador has hip and elbow displasia diagnosed at 9 months old, my monthly payments were £12 in first year, the best price for cover I could find, then jumped to £22 last year which was fair enough we had claimed quite a bit, now £28 month, with £70 excess not £50 was previous my dog is only just 2 yrs old, I do not like, or feel comfortable with new underwriters and the claim form is no longer simple, very comp ...
    dolphins1's full review     | 122 words

  • Review by
    Guest.
    on 25th May 2008


    User Rating : 3
    Respect : 0

    I have always sent my annual payment on time but that has stopped now, i shall simply put money aside each month. I have found simply by asking the vet how long a problem is going to go on for with your pet you find out how much it is likely to cost. If its something silly like £1500- £2000 well new pups are cheaper(sorry).
    Guest's full review     | 108 words

  • Review by
    xylene
    on 6th May 2008


    User Rating : 4
    Respect : 0

    Second year, male cat of 2-3 year old, price increase of over 25%. I phoned M&S to ask why it was increased that much and they said just because the pet was a year older - that's ridiculous. That means each year a 25% increase!!! It turns out M&S have changed their underwriters (from AXA?) to royal sun alliance. They have added lots of excesses to the policy. Reason i had this policy was because of the zero excess option available. Anyway, I didn't think the customer service advisor was very hel ...
    xylene's full review     | 127 words

  • Review by
    Guest.
    on 26th Apr 2008


    User Rating : 0
    Respect : 0

    Marks and Spencers Pet Insurance has very bad customer service not only will I no longer insure my dog with them i will no longer shop with them either and cancel my account . I can understand the financial reason for this change but the decent thing to do would have been to change the policy for new customers but to honour the contract that existing customers had Like many others i am left having paid extra to have the best insurance possible for my dog now looking for a company who will put ou ...
    Guest's full review     | 161 words


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