Last updated: October 30, 2025
Pet insurance isn’t just about vet fee limits and excesses — some insurers now add cashback, loyalty rewards or supermarket points to their cover. According to MoneyHelper’s guide to choosing pet insurance, rewards and loyalty perks can add extra value when comparing policies. These benefits can make your premiums work harder, especially as costs continue to rise in 2025.
Below we compare the main providers offering cashback or loyalty rewards, and how each scheme works.
Sainsbury’s Bank Pet Insurance – Nectar Points for Policyholders
Sainsbury’s Bank remains one of the few major UK insurers to reward customers directly through its Nectar Points programme.
New policyholders can earn up to 7,500 Nectar Points, and existing customers often receive bonus offers during renewals.
Cover types include Lifetime, Time-Limited and Maximum Benefit options.
For regular Sainsbury’s shoppers, these rewards can offset a meaningful portion of yearly costs. Read more in our detailed guide on Nectar Points from Sainsbury’s Pet Insurance in 2025.
Vitality Pet Insurance – Cashback for Healthy Pets
Vitality has expanded its well-known human health rewards programme into the pet space.
Policyholders can earn cashback and retailer discounts by tracking their pet’s activity through connected apps or vet checks.
Typical benefits include up to £75 cashback per year and reduced renewal premiums for maintaining a healthy record.
This approach not only saves money but encourages proactive care for dogs and cats alike.
Tesco Bank Pet Insurance – Clubcard Discounts and Savings
Tesco Bank combines solid cover with strong Clubcard integration.
Clubcard holders can save up to 12% on their premiums, plus collect Clubcard points on certain pet purchases in-store.
With Accident-Only, Standard and Lifetime options, Tesco’s policies appeal to owners who want both simplicity and consistent savings.
For households already using Tesco Bank or Tesco Mobile, the combined rewards make this one of the most practical deals for 2025.
Co-op Pet Insurance – Ethical Cover with Cashback on Renewal
The Co-op’s pet policies are aimed at responsible owners who prefer ethical business practices.
After a no-claim year, members can receive cashback on renewal, typically between £10 and £20 depending on the plan.
Lifetime, Maximum Benefit and Accident-Only tiers are available.
The model rewards long-term loyalty while reinforcing the Co-op’s community-based ethos.
Vital Pet Club and Newcomer Offers
Independent brokers and smaller insurers like Vital Pet Club also provide limited-time rewards.
These can include cashback or referral bonuses when multiple pets are insured together.
They are often featured on comparison platforms, so checking aggregator sites regularly can reveal seasonal promotions worth claiming.
Which Pet Insurance Rewards Are Best in 2025?
| Provider | Reward Type | Typical Value | Best For |
|---|---|---|---|
| Sainsbury’s Bank | Nectar Points | Up to 7,500 points | Sainsbury’s shoppers |
| Vitality | Cashback + Retail Discounts | Up to £75 cashback p.a. | Active pet owners |
| Tesco Bank | Clubcard Discount | Up to 12% off premiums | Tesco customers |
| Co-op | Renewal Cashback | £10–£20 annually | Low-claim policyholders |
| Vital Pet Club | Referral Cashback | Variable | Multi-pet households |
How to Compare Rewards and Cashback Policies
Before choosing, check the small print on reward eligibility. Some offers apply only to new customers or higher policy tiers.
Also confirm whether cashback is automatic or requires online activation.
Always prioritise vet fee limits, exclusions and customer service over promotional bonuses — rewards should be a useful extra, not the deciding factor.
Related Reading
- Compare Pet Insurance Brands UK 2025
- Tesco Pet Insurance UK 2025
- Nectar Points from Sainsbury’s Pet Insurance in 2025
FAQs – Best Pet Insurance with Rewards and Cashback UK 2025
Which pet insurance offers the best rewards in 2025?
Sainsbury’s leads for Nectar Points, while Vitality provides ongoing cashback linked to healthy-pet tracking.
Do cashback deals apply to all policy types?
No. Most are reserved for Lifetime or Premium policies. Always check the terms before purchasing.
Can multi-pet policies earn more rewards?
Yes. Multi-pet cover from Vital Pet Club and Sainsbury’s can qualify for additional points or cashback.
Do rewards affect policy pricing?
Not usually, but the cost of rewards is sometimes built into premium pricing. Compare total annual costs rather than focusing only on the bonus.
Conclusion
Choosing the best pet insurance with rewards and cashback in the UK for 2025 depends on how you shop and care for your pet.
Sainsbury’s suits loyal shoppers, Vitality is ideal for active owners, and Tesco offers everyday savings for Clubcard users.
Rewards are a welcome perk — but strong cover and reliable claims handling should always come first.
