Let's take a look at what they have to offer. Sainsbury Pet Insurance covers dogs and cats over 8 weeks old only, which in retrospect, dogs and cats are the prime visitors to the average veterinary practice. Sainsbury has two options to choose from. The first policy covers up to £3,000 for the year, and the second covers £7,500 without any time limitation.

Option 1 provides veterinary expenses that have accrued over a 12 month period. You can file claims on a per condition basis, in other words, so long as your bill is under £3,000 (remember that is your limit for the year, you cannot be reimbursed for more than that amount) you can file a claim whenever you have a vet visit. Personal liability up to £1,000,000 is covered should your pet injure another person or another person's property. Another tragedy that might occur is to have your pet become lost. It is very sad and scary when this happens and a Sainsbury pet insurance policy will help to cover advertising costs up to £1,000 and even allows you to offer a £250 reward.

As well as the items listed in option 1, option 2 is very thorough. You can also file claims for behavioral problems (such as excessive barking or chewing on the furniture and other things that you may need to consult a behavioral specialist for), a clinical diet, overseas veterinary treatment, emergency expenses abroad, expenses for referral to another vet, trip cancelation, and accidental damage (like your cat climbing the curtains of a rented home) or personal accidental damage to the owner (if your dog bites you and you require a medical visit of your own for example). But wait, there's more. Should you need to board your pet for any reason, Sainsbury has a contingency for that and let's say that while being boarded, your pet damages the kennel where it is staying, that is covered too. In the unfortunate event of death, things are covered such as death by injury or illness, and cremation. There are more things that come with the 2nd option as it is the most comprehensive of your policy choices. Of course all of these things have cost limitations, but they are very reasonable in regards to the fees, fines and other expenses that pet ownership may require.

You might be asking yourself how much these policies cost. Sainsbury takes each pet insurance policy on an individual basis. You will be asked to complete a thorough questionnaire and a representative will respond with a few offers that will be suitable for your particular pet whether it is a purebred or a crossbred, fixed or not, used for breeding or not, and many other possibilities.