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Last chance to receive 4,000 Clubcard points (9,600 Avios) with Tesco pet insurance

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Back in January I wrote about a very generous Tesco pet insurance deal.  As this offer is coming to an end soon, here is a reminder for those who didn’t see the original article and would love to get a big Avios bonus for getting their furry friends insured.

If you take out pet insurance from Tesco Bank before 1st March 2016 you will receive 4,000 Clubcard points.  This converts into 9,600 Avios or 10,000 Virgin Flying Club miles.

The offer is working OK.  People are receiving their 4,000 Clubcard points roughly 6 weeks after applying.

Here is how it works:

Simply enter the code TOPPET and your Clubcard number when getting a quote on the Tesco Bank website.

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

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, based on 1p per point of value for the 9,600 Avios, 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 Clubcard points is still an attractive incentive to switch, as long as you are not 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.

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

It does not say how long Tesco will take to award your 4,000 points but readers who took out the policy after I first wrote about it said that the points arrived within 6 weeks.

Remember 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.  You must go direct.

How to earn Avios points from UK credit cards

How to earn Avios from UK credit cards (May 2022)

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

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

25,000 Avios for signing up and an upgrade voucher for spending £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £20,000 Read our full review

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

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

British Airways BA Amex American Express card

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.

The Platinum Card has doubled its sign-up bonus to 60,000 Membership Rewards points, which convert to 60,000 Avios, if you apply by 1st June 2022.

American Express Amex Gold

American Express Preferred Rewards Gold

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

American Express Platinum card Amex

The Platinum Card from American Express

60,000 points (SPECIAL OFFER) and an unbeatable set of travel benefits – for a fee Read our full review

Run your own business?

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 10,000 Avios.

Capital on Tap Visa card

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa for a limited company Read our full review

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 card

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.

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits 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.

(Want to earn more Avios?  Click here to visit our home page for our latest articles on earning and spending your Avios points and click here to see how to earn more Avios this month from offers and promotions.)

Comments (47)

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

  • Tilly71 says:

    This offer has been thoroughly abused, there is next to no chance a similar offer will come back in the future so good luck to everyone who took part.

    • Calton says:

      So have numerous offers in the past but they keep coming back…

    • Susan says:

      Has it though? Tesco are getting insurance premiums for at least two months – has it even been confirmed that cancelling gives a refund on the annual policy? If people were claiming on the accidental death clause for this rather frightening epidemic of squished moggies then I could see there would be clear fraud unless said squished moggy could be produced but when it’s a simple cancellation of policy within the T&Cs…

      • Will says:

        Just got my policy and says is an annual contract with a 0% loan payable monthly, I didn’t see this on the application website. If I cancel after a month or two then seems I still owe for the year. Are we simply all assuming Tesco will tear up the contract or is it likely they would risk upsetting bad customers who are just collecting club card points for avios by making them defaulters on the loan?

  • Rob says:

    Does this then work out at very good value? Are we effectively paying £8-20 for 10,000 Avios?

    • Nick_C says:

      0.2p per Avios sounds like good value to me. If you use Avios + cash don’t you save 0.66 p per Avios point used?

      £20 for £40 worth of Clubcard vouchers also sounds like a pretty good deal.

    • harry says:


  • Justin says:

    When do you cancel in order to only pay 1 month? Sorry i am being stupid. But surely 30 days will go into the next month

  • Thomas says:

    Anyone else still waiting for Avios credit from last Clubcard Statement ?

  • Aidan says:

    I can’t see where to enter club card number, can anyone help please?

  • Gavin says:

    Hoping my pet points post soon, I applied a bit later from when it was posted.

    OT – I just transferred 27k Starpoints to BAEC – many thanks for highlighting this one back in December Rob. If it wasn’t for this site it would be much harder to sustain my long distance relationship!

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

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