Pet Insurance policy documents

No, unless the problems are unrelated. For example, if your dog cut their leg before your policy start date and this healed, and then your dog was unfortunate enough to cut their leg again, this would be classed as a new injury and would be covered under the terms of the policy (subject to the limits, excesses and exclusions that apply).

However, if the original cut did not heal properly and your pet needed further treatment, this would not be covered as it would be considered a pre-existing condition.

Symptoms exhibited before the policy start date that are diagnosed later are not covered either.

If your pet is ill or injured and you are concerned whether this will be covered by your Tesco Pet Insurance policy, please refer to your policy documents, including your Tesco Pet Insurance Policy Document, Insurance Product Information Document and Certificate of Insurance.

If you are still in doubt, you can get in touch and one of the team will be happy to help.

For customers who renewed their policy after the 1st January 2025 or took out a policy on or after the 21st January 2025, you can get in touch through the 'Contact us' page of the Pet Portal, or you can call 0344 543 1132*.

Conditions your pet has suffered in the past considered as a pre-existing condition. Pre-existing conditions are not covered by the policy. Accidents that happen within the first 3 days or illness within the first 14 days of taking out the policy may not be covered. Policy exclusions will apply.
Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.

If you took out your policy before the 21st January 2025 and are yet to renew, you can call us on 0345078 3895.

Pre-existing illnesses and injuries that your pet(s) may have at the time of taking out the insurance are not covered.

Your policy will also not cover the costs of treating an illness that first showed clinical signs within the first 14 days of your policy start date.

If you have an accident or injury policy, your policy will not cover any accident or injury that happened in the first 5 days of your policy start date. Illness is not covered unless caused by an accident or injury.

If your pet needs treatment, we can pay either you or the treating vet, you just need to make sure your vet accepts direct payments. All you need to do is tick a box on the claim form.

Please note that the way you need to submit a claim may be different depending on when you took out or renewed your policy. Before you submit your claim, please make sure you are submitting it correctly.

For customers who renewed their policy after the 1st January 2025 or took out a policy on or after the 21st January 2025, the quickest way to submit a claim is through the Pet Portal. Sign in, complete a claim form, and as long as we have all the details we need, we'll take it from there.

Once our assessors have reviewed your claim, it takes around 5 days to assess it; we'll let you know the outcome. If you submit your claim online, you'll be able to monitor its progress with our claims tracker. For customers who receive their documents in the post, we'll keep you updated via letter, and if you signed up for SMS, we'll also keep you updated with text messages.

If you don't have access to the Pet Portal, please call 0344 543 1132* and we will send you a claim form.

If you took out your policy before 21st January 2025 and are yet to renew, you will need to download and complete a claim form for all new claims here. Once you've completed it, just email it to us at tesco.petclaims@uk.rsagroup.com. Claims for any ongoing conditions can be made online.

Alternatively, you can call 0345 078 3860* and give the details by phone or get a paper form posted to you.

Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.