What does M&S Bank offer?
M&S Bank has been providing financial products for more than 30 years. It offers insurance for cats and dogs, underwritten by Royal & Sun Alliance Insurance plc.
We've reviewed the following types of policies:
Lifetime cover pet insurance
Lifetime cover is the most comprehensive pet insurance on the market and pays out for ongoing issues your pet may have throughout its lifetime.
Non-lifetime cover pet insurance
Non-lifetime cover is less comprehensive, covers a limited time period and excludes certain conditions after you hit your claims limit.
- Find out more: how to find cheap pet insurance
Does M&S Bank offer the best pet insurance?
Here's how M&S Bank scores in our latest survey:
To help you find the best pet insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse pet insurance
We analyse and rate 21 elements of cat insurance policies and 24 elements of dog insurance policies – plus how much each pays in vets fees – to come up with the overall policy score.
Different policy elements are enhanced or reduced within the policy score, to reflect the relative importance of each. For example, the amount a policy pays for vets fees and how this money is made available counts for more in the score than the amount provided for holiday cancellation.
M&S Bank pet insurance policies: are they good or bad?
We've rated dozens of policy details and picked out the best and worst elements of this cover.
Get top money-saving tips from Which?
Sign up to the Which? Money Weekly newsletter to get our latest news, tips and deals straight to your inbox.