Pet insurance provided by Pinnacle Insurance Ltd.
Defaqto 5* expert rated, applies to cover over £4000, Time Limited and Rabbit cover excluded.
Why choose our dog insurance?
We offer dog insurance plans that work for you and your companion. Our selection of insurance cover provides protection when your dog needs it most. Here are just some of the reasons why you should choose Sainsbury’s Money dog cover:
- Award-winning
We’re proud to be named Defaqto’s Pet Insurer of the Year 2025/26 - 5 star rated cover
Our cover over £4,000 is Defaqto 5* expert rated (Time Limited cover excluded) - Flexible insurance, your way
Choose from three levels of cover – plus, get vet fee cover up to £10,000 - No upper age limit
Cover available for dogs of all ages. Starting from 8 weeks old - 24/7 Vet Assistance
Speak to our UK-based vet nurses any time, online or on the phone, about your dog’s health queries - Insure more than one pet for less
Get a discount of £1 per pet per month with our multi-pet insurance † - Save more with Nectar
Get a discount on your dog insurance if you’re a Nectar member Δ - Manage your policy online
Get claims information and make changes to your policy on My Pet Portal - 99% of claims paid within 5 working days ^
We can also pay your vet directly so you’re not out of pocket
What your dog is covered for
No-one wants a poorly pooch – or unexpected vet bills. We’ll help you find the best dog insurance with three types of cover to choose from. It’s the protection your dog deserves.
You’ll get a range of benefits as standard, including death from accident, illness or injury cover and holiday cover (eligibility criteria and conditions apply. See full policy documents for details).
| Benefit | Time limited - Covers each condition for up to 12 months or up to max amount below | Maximum benefit - Covers up to the max amount per condition | Lifetime - Covers up to max amount each year |
|---|---|---|---|
Treatment period | 12 months | unlimited | unlimited |
Treatment basis | per condition | per condition | per year |
Veterinary fees | |||
Veterinary helpline | |||
Additional benefits | |||
Holiday cover |
Veterinary fees can include:
| Benefit | Time limited £3,000 | Maximum benefit £6,000 | Lifetime £10,000 |
|---|---|---|---|
Dental Cover | up to £3,000 | up to £6,000 | up to £10,000 |
Complementary Treatment | up to £500 | up to £1,500 | up to £1,500 |
Physiotherapy | up to £500 | up to £1,500 | up to £1,500 |
Behavioural illnesses | up to £3,000 | up to £6,000 | up to £10,000 |
Overseas veterinary treatment | up to £3,000 | up to £6,000 | up to £10,000 |
With our lifetime pet insurance, you get access to £2,500, £5,000, £7,500 or £10,000 towards vet costs each year – depending on the level of cover you choose. We’ve used Lifetime £10,000 cover as an example in the table above.
Our maximum benefit cover can provide you with £3,000 or £6,000 towards vet costs per condition depending on the level of cover that you choose. We’ve used £6,000 maximum benefit cover as an example in the table above.
With our time limited cover, you’ll get access to a maximum of £3,000 towards vet costs for up to 12 months per condition.
Additional benefits and limits:
| Benefit | Time limited £3,000 | Maximum benefit £6,000 | Lifetime £10,000 |
|---|---|---|---|
Death from accident/injury | £1,000 | £1,500 | up to £2,000 |
Death from illness | £1,000 | up to £1,500 | up to £2,000 |
Cremation | £200 | £200 | £200 |
Advertising & reward (dogs must be microchipped) | £1,000 | £1,500 | up to £2,000 |
Theft or straying (dogs must be microchipped) | £1,000 | £1,500 | up to £2,000 |
Emergency boarding kennel fees (if you’re ill/injured for over 48hrs) | £1,000 | £1,500 | £1,500 |
3rd party liability (dogs only) | £2 million | £2 million | £2 million |
Holiday travel cover:
| Benefit | Time limited £3,000 | Maximum benefit £6,000 | Lifetime £10,000 |
|---|---|---|---|
Holiday cancellation | £1,000 | £1,500 | £3,000 |
Quarantine costs | £1,000 | £1,500 | £1,500 |
Loss of healthcare cert | £250 | £250 | £250 |
Emergency expenses abroad | £1,000 | £1,500 | £1,500 |
Eligibility criteria and conditions apply. There are some breeds that we won’t cover under our Lifetime cover £10,000 limit which you can find details of in our FAQ section. Please note that we won’t cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.
What dog insurance should I get?
With Sainsbury’s Dog insurance, you can choose from time limited, maximum benefit or lifetime cover. The type of cover – and the amount you want cover for – will depend on your personal circumstances and your dog’s needs.
Need more information
Any more questions about Sainsbury’s Dog insurance? We’re here to help. Check out our FAQ and support page for more.
Why buy dog insurance?
Getting protection for your dog is super important to help keep their tails wagging if they need to pay a visit to the vets.
A policy from Sainsbury’s Money can provide you with these essential benefits:
You get help with vet bills when you need it most.
Enjoy multi-pet discounts, if you have more than one pet.
Your dog can be covered on a wide range of benefits, from dental care to physiotherapy.
You can choose from three different types of cover, so you can find the right plan for you and your dog.
What does dog insurance cover?
Dog insurance can provide a wide range of cover to prepare you for any situation. Depending on the type of cover you choose, dog insurance typically covers the following:
- Vet treatments and dental cover
If your canine chum becomes ill, injured or needs dental care, you’ll get cover for fees up to £10,000, depending on the policy you choose. - Physiotherapy and behavioural illnesses
We can cover some of the costs related to non-essential care. - Overseas vet treatments and holiday cancellation
Abroad with your dog and need urgent vet care? We can help take care of some of the costs. - Death from illness, accident or injury
During a difficult time, you can focus on what’s important, while we handle the any costs, including burial or cremation. - Loss through theft or straying
If your loyal companion goes missing, we can help pay for missing adverts and rewards to help get your friend back safely. - Emergency kennel fees
If you’re in hospital and need a kennel to care for your dog while you’re away, we can cover the daily boarding fees.
What isn’t covered by dog insurance?
Like most dog insurance plans, there are some things that aren’t covered by policies, including:
- Routine and preventative care like worming or flea treatments
- Pre-existing illnesses, symptoms or injuries
- Injuries or poisonings sustained within the first three days of your policy
- Illnesses diagnosed within the first 14 days
- Selected breeds of dog
What to consider when buying dog insurance
When looking for a dog insurance quote, there are a few important factors to consider.
- How old your dog is
- The breed of your dog – we are unable to insure certain breeds and can’t offer our £10,000 Lifetime Cover on selected breeds
- The behavioural history of your dog
- Whether you’re considering buying a new dog – we offer multi-pet policies that may work for you
Once you’ve considered this information and provided it to us, we can help find the right policy for you.
Remember, 99% of claims are paid within 5 working days ^, so whenever your dog needs urgent, or even non-essential vet care, you’ll not be left out of pocket.
Find out what you’re covered for
Ready to protect your dog?
Whether you’ve got a tiny terrier or a gentle giant, we know dogs can be highly protective. And we are too. We’re here to help protect your dog when you need us most.
Check you’re happy with the terms of our cover in our policy documents – then get started with your dog insurance quote.
Frequently asked questions
Any more questions about Sainsbury’s Dog insurance? We’re here to help. Check out our FAQ and support page for more.
Get an answer