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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.


How to earn Avios from UK credit cards (May 2023)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

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.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

SPECIAL OFFER: Until 30th May, the sign-up bonus on the Barclaycard Avios Plus Mastercard is doubled to a crazy 50,000 Avios! Apply here.

SPECIAL OFFER: Until 30th May, the sign-up bonus on the free Barclaycard Avios Mastercard is doubled to 10,000 Avios. Apply here.

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

CRAZY 50,000 Avios for signing up (to 30th May) and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

10,000 Avios for signing up (only to 30th May) and an upgrade voucher at £20,000 Read our full review

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £12,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points.

SPECIAL OFFER: Until 13th June, the sign-up bonus on The Platinum Card is doubled to 60,000 Membership Rewards points – and you get £200 to spend at Amex Travel too! Apply here.

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

60,000 points AND a £200 Amex Travel voucher until 13th June! Read our full review

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We recommend Capital On Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 10,500 Avios.

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You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 30,000 Avios sign-up bonus.

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

American Express Business Platinum

40,000 points bonus and a £200 Amex Travel credit every year Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

Comments (85)

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  • Deb says:

    Tesco’s are definitely on the ball with linking address to clubcard, because when I put my Sons details in to do his cat ,they asked if he was an employee which he is and for his employee number. so I have no worries that they will link up addressees, policies and clubcards for the 4000 points.

  • Ralph says:

    Just had to go out and buy a kitten when I saw this deal, got her spayed or neutered or whatever one does to female kittens, quickly had her chipped and plan to keep her indoors. I insured my new kitten for £6/month. I sure hope nothing happens to her in around 3 months time!! 10,000 Avios for £18…are the good ol’ days returning?

  • harry says:

    exactly the same here in all 3 respects

  • Kathy says:

    My cat Mitzi, female 3 year old, spayed chipped indoor cat, is now insured for £5.59 a month.

  • IAmThatGuy says:

    OK so call me a spoilsport but this nudge-nudge wink-wink “my friend’s cat” business is pretty unseemly IMO.

    It seems pretty clear to me that if Clubcard points have a financial value then there is a risk that “earning” 4000 of them for insuring an imaginary pet must come dangerously close to ” Fraud by false representation” contrary to the Fraud Act 2006 (

    Having no legal training or knowledge whatsoever, this can only be my personal view, but it’s not behaviour I would indulge or endorse…

    • Ralph says:

      2 Fraud by false representation
      (1)A person is in breach of this section if he—
      (a)dishonestly makes a false representation, and
      (b)intends, by making the representation—
      (i)to make a gain for himself or another, or
      (ii)to cause loss to another or to expose another to a risk of loss

      I’m not sure the above relates to picking up a few Clubcard points – a sales incentive – for buying an insurance product…

      • IAmThatGuy says:

        As neither of us are lawyers, this is probably a pointless exchange, but nonetheless..

        2 Fraud by false representation
        (1)A person is in breach of this section if he—
        (a)dishonestly makes a false representation, and || Yep, this qualifies all right !
        (b)intends, by making the representation—
        (i)to make a gain for himself or another, or || Yep, this qualifies too!
        (ii)to cause loss to another or to expose another to a risk of loss || Not necessary

        The amount is not really the issue here – you can be prosecuted for stealing an apple from Tesco, the value of which is after all low than the “few Clubcard points” you refer to.

        The fact that it’s a “a sales incentive – for buying an insurance product…” is neither here nor there as far as I can see ?

        • harry says:

          What if your cat ran away in the night?

          • Pol says:

            Then they’d wonder why you aren’t claiming under the lost pet cover included?
            If they wanted to crack down on phantom cats it wouldn’t be hard to prove as most people have said their “cat” was chipped and spayed to keep premiums down.

          • harry says:

            Just put the phone down on a scam call, same as I do several times a week already – I can usually tell within 3 seconds but you can occasionally get it wrong.

            Sorry, Mum

          • Ralphy says:


        • Leo says:

          I am a lawyer. I aint doing it.

        • Ralphy says:

          Yep. Pointless

  • harry says:

    I think you would have needed to logout rather than just close the window 🙂

  • Rob says:

    Makes no difference. The cookie is on your computer and it will still track. You should have cleared cookies, used a different browser or done incognito browsing.

  • harry says:

    My theory on the Tesco clubcard input requirement as in: yes it’s there/ no it’s not is as follows:

    You fill in the form in near-real time. It checks as you go along (maybe certain fields only) and might ask you to correct something.

    So if you put in a name & address it doesn’t recognise – eg a ‘test’ name & address – it will offer you the chance to put in your clubcard a/c number.

    If you put in a name & address it recognises, you get the pop-up box about 4000 clubcard points at a latish stage but no need to input your clubcard a/c number.

    • Jason says:

      I just applied for our first cat and it asked for address and clubcard number. It would know the address as its registered with the clubcard. However I was using a VPN in Costa coffee on their free wifi so perhaps that’s how they make the link.
      3.87 a month but I accidentally hit indoor by mistake, so I’m not going to let her out now. Don’t like her muddy paw prints, mucking up the cream tiles, with all this rain anyway ;(

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