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4,000 Clubcard points (9,600 Avios or 10,000 Virgin miles) with Tesco Pet Insurance

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Here’s a surprisingly attractive Tesco Bank offer for pet owners.

If you take out pet insurance before 1st March 2016, you will not only give your furry friend that bit of extra protection, you will also receive 4,000 Clubcard points.  This is worth 9,600 Avios or 10,000 Virgin Flying Club miles.

Simply enter the code TOPPET and your Clubcard number when getting a quote on the Tesco Bank website.  Although, having said that, I couldn’t actually find a box anywhere on the Pet Insurance website to put my Clubcard number ….

There are 4 different levels of pet insurance to choose from which you can compare on the pet insurance website, but only Extra and Premier Cover will give you the 4,000 Clubcard points.  

As this is potentially worth over £100 of Avios or Virgin miles or over £100 of value via a different Clubcard Boost deal, this is a deal which you should take a serious look at.

Out of curiosity I did a quote for my cat here in London and also checked what the price would be in Wales. The result is not surprising – just slightly annoying.

If we lived on a farm in Wales, Extra Cover with an excess of £60 would cost just £8 a month.  This would mean that, if I managed to get £100 of value from the 4000 points, I would effectively be getting a years coverage for free.

In North West London surrounded by busy streets the same insurance costs £20 a month.  4,000 bonus points is still a very attractive incentive to switch, however, if you are currently paying something similar via another insurer.

The rules for the Tesco pet insurance promotion are:

  • You have never had any pet policy covering this pet that has been declared void or been cancelled by Tesco Bank.
  • You are the owner and keeper of the pet.
  • You and the pet on the policy live in the UK, Isle of Man or Channel Islands.
  • Your pet is at least 8 weeks old.
  • Your pet is not on the list of uninsurable breeds.
  • Your pet is not used for business, commercial breeding or for monetary gain.
  • And if you’re insuring a dog: Your dog is not trained to attack, used for commercial guard or security purposes, or for any form of racing.
  • If you cancel your policy within the first 30 days you will not receive the Clubcard points.

Whilst Tesco does not make this too obvious, the policy is only available for cats and dogs.

Unlike the recent Tesco Bank life insurance deals where Tesco was giving you the Clubcard points in quarterly chunks, it seems as if you will receive these points all at once.  This means even if you decide after a few months that the policy isn’t right for the needs of your pet, you will keep the full amount of Clubcard points.

It does not say how long Tesco will take to award your 4,000 points.  It will clearly take longer than 30 days as that is the cut-off period, but realistically I think you should expect to wait three months.  If you cancel before they arrive it is unlikely that you would ever receive them.

This offer is available until 1st March 2016 and is not available if you visit the Tesco Pet Insurance site from a link on a price comparison website.  Those Clubcard points are funded by the commission they are saving.


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In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

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Comments (85)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Felix Flyer says:

    Can you apply for a policy before March to run from April and still get the points?

    • Alan Gregg says:

      Looks like you can book 30 days in advance. A word of warning the first 14 days you have no cover so you may want to start it two weeks before your current provider finishes.

      • harry says:

        I suggest people (such as myself) wanting the points to definitely fall into next Tesco quarter, do precisely this.

        Tesco could pull it at any time or impose stricter control standards.

        • Felix Flyer says:

          Thanks Alan and Harry. Have programmed a reminder for me for end of Feb.

  • oyster says:

    On the mobile site I ended up buying yesterday but never got a chance to add my Clubcard number?! How can they add the points if they don’t know that?

    • Jamie P says:

      I phoned them up about this and was told that they automatically link the Clubcard number they have listed against the postcode and email address input in the application

      • harry says:

        It is a bit odd though – the box was definitely there a couple of days ago. Probably an indication of stricter control measures, you might even get a phone call about your little furry friend so best remember the name 🙂

      • alan says:

        I ran it this morning and it asked for my CC the very last box.

  • Oliver says:

    Which imaginary pet would yield the lowest premiums?

    • Anon says:

      Suggest you read Robs post again

      • Mr(s) Entitled says:

        Suggest you lighten up.

        My 3yr old spayed, male, indoor cat was £6pcm.

        The T&C’s of the offer state that you forfeit the 4,000 CC points if cancelling “within 30 days”. If cancelling thereafter I for one would be confident of getting the points even if it required a little chasing. Assuming they hadn’t posted by time of cancellation.

        • Worzel says:

          Mr(s) Entitled, I’m wondering why you spent money on neutering your indoor cat-this appears to be a waste of money.

          • Mr(s) Entitled says:

            I would recommend all owners of male cats consider such a path. Circumstance may change and fundamentally if I did not the problem would not be mine but the owner of the female. I’m no big fan of pushing problems on to others.

          • Worzel says:

            Fair Point, and understood.

          • harry says:

            Was it an intersex cat? – with variations in sex characteristics including chromosomes, gonads, or genitals “that do not fit typical binary notions of male or female bodies”.

            Normally female cats get spayed, males get neutered 🙂

          • richard says:


          • Lady London says:

            because indoor cats sometimes find their way outdoors, perhaps?

            plus apparently an unneutered male cat can exhibit behavioural difficulties at times..?

            best to get it done and then everything’s the dog’s b*ll***s, no?

        • Mr(s) Entitled says:

          I tried, but couldn’t find a vet on there!

    • Kevin says:

      My ‘new’ pet cat was coming in at £5.50 per month. This was a £200 excess. Would be interesting to check the fee for cancelling the policy.

      • harry says:

        If you’re on DD with no linked loan, there’s no fee, just cancel the DD & if you get queasy doing these things, after all, you CAN avoid getting those slightly narked warning letters afterwards, phone up Tesco afterwards to tell them what you’ve done.

  • Mr Fluff says:

    If you’re willing to pay a high excess for an ‘friends pet’ the cost comes down a bit more! I’ve insured my dads British Shorthair cat ‘Blacky’ for £3.62 /mth

    • David says:

      Have you chosen the higher covers as only those apply for the 4000 points?

      • harry says:

        Mine was just £5/ month for extra, so I reckon £3.62 is perfectly possible for the right parameters.

    • Oliver says:

      I’m willing to pay high excess for imaginary friend pet if that’s what you mean

  • Genghis says:

    Cheers Harry

    • harry says:

      Then I think I’ll avoid it this time, too much to lose

    • Rob says:

      No idea – if you do cancel, under the cooling off period, I would not reapply for a few weeks so that the old policy is fully wiped out and you are seen as a new customer.

  • Pol says:

    Where was the box to add your club card number? I can’t see it. Were you on a computer or tablet/phone?

    • Colin JE says:

      Found the box for Clubcard number just under the box for promotional code (TOPPET)

  • Deb says:

    I posted this yesterday, it’s taken direct from online chat with Tesco

    Re entering clubcard number for pet insurance this is what they have just told me

    “Our system automatically finds your Tesco Clubcard number 🙂 If you take out the policy with us, we’ll be able to check that the Clubcard number is on the policy and that you’ll receive the points”

    I have done my cat 5 years old neutered and chipped £5.35 a month

    • Tom says:

      Any idea if the points would be awarded for multiple pets?

      • Pol says:

        I asked this, was told it was one bonus per household, shame as I do actually have 3 pets.

    • oyster says:

      How will that work with multiple policies? I mean real pets too, I have 3 cats and was planning on 3 sets of 4k points, but not sure this method of entering clubcard info will work on more than one policy.

      • harry says:

        you can’t have more than 1 per household

        • jason says:

          I think Mrs harry may be a separate household 🙂
          that’s if she has her own clubcard 😉

          • harry says:

            Yep my card is on a different address, they did at one time work out we’re a couple because of direct / grocery deliveries (and sent us, unasked for, joint mailings, but I’ll just double check the addresses on file are different again & wait a few days before repeat

  • Deb says:

    You can add several pets to one policy but if you are only doing it for the points seems an expensive way of doing things, if you actually want Tesco pet insurance that’s a different matter. The more pets the more expensive premiums.

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