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Get 7,200 Avios or 7,500 Virgin points or £90 of credit with Tesco Pet Insurance

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Tesco Bank has launched a new pet insurance offer, and it is the most generous we have seen for a long time.

Why is this relevant?  Let me explain.

Via a new promotion with Money Saving Expert, you will earn 3,000 Clubcard points when you take out a new policy with Tesco Pet Insurance.

How long I do need to keep my policy?

Here’s the key thing.  According to the rules, you only need to keep the policy for 35 days to earn the bonus.  This means you need to make two monthly payments.

The points should arrive within 80 days although it is usually faster.

Get 3000 Tesco Clubcard Points with pet insurance

What can I get with 3,000 Tesco Clubcard points?

3,000 Tesco Clubcard points converts into:

7,200 Avios

7,500 Virgin points

£90 of credit (but your stay doesn’t earn Rewards stamps)

…… or many other deals from Tesco Clubcard partners.

How do I apply?

You MUST click through from Money Saving Expert to qualify for the bonus.  This means visiting this page of MSE, scrolling down until you see the Tesco logo and this offer, and then click the link to redirect you to the Tesco Bank website.

Note that the cheapest ‘Accident & Injury’ policies do not count.  You need to buy a Standard, Extra or Premium policy.

You must not be an existing customer of Tesco Pet Insurance. 

Here’s a tip:  there is usually no box on the application form for your Tesco Clubcard number.  Tesco Bank finds your account by matching email addresses.  It is essential that you use an email address which matches the one on your Tesco Clubcard account.

The last date to apply is 31st December 2020, so there is no rush if your existing pet insurance policy still has some time to run.  As with all insurance, be wary of switching if your pet has pre-existing conditions.

How to earn Avios from UK credit cards

How to earn Avios from UK credit cards (June 2024)

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:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

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

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up 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 £15,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points (TO 16TH JULY), FREE for a year & four airport ….. Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable 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 10,500 Avios.

Capital on Tap Business Rewards Visa

10,000 points bonus – plus an extra 500 points for our readers 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 sign-up bonus and an annual £200 Amex Travel credit 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 (73)

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

  • r* says:

    Previous policy was closed a few weeks ago, think that the new one would trigger?

  • Alan says:

    Really hoping we get some of transfer bonus offer from Tesco to VS in the next quarter or two – although ideally once the future of VS is secured as don’t want to transfer them across then lose them!

  • C says:

    Good timing – my 2 real cats both have their renewals coming up. Hoping I can put one in my name and one in hubby’s. I’m assuming they accept Amex as payment too? The insurer they are currently with does not and I need some help to reach my annual bonus on Gold at the moment (assuming it does actually work out cheaper, taking the points into account, in the end)!

    • Secret Squirrel says:

      Direct debit monthly I think.

      • C says:

        Ah ok, I’ll look into it. As I do actually need the insurance I’m not opposed to paying annually up front if that’s an option

        • Anna says:

          We pay our car insurances up front with Amex each year, it saves money in the long run and helps with triggering our companion vouchers. So companies are definitely set up to do this.

  • Andy says:

    For us non-pet insurance pros, what are the best characteristics for a cheap quote – male/female, pedigree/moggie etc? Thanks

    • Lumma says:

      2 year old female moggie that lives inside. £200 excess. £5.88 per month, Central London

      • Lumma says:

        I’m not saying that’s the cheapest possible, but it was my example. Was wondering if I kept editing the cat’s credentials if it would flag up something with their fraud systems.

  • Sal says:


    Can you top up your Hargreaves lansdown account using ihg credit card? I’ve got curve also. Thanks

  • Connor says:

    Still a possibility to double dip. Can always claim a “missing claim” on the website that shall not be named after going through the MSE link and hope for the best.

    • Rob says:

      You can’t, because they overwrite each other.

      • Connor says:

        I’ve done it before, though not necessarily with Tesco Pet Insurance. Sometimes works but just depends on how they’re validating it on their end.

  • RTS says:

    how long do you have to keep these polices for?

    • Aston100 says:

      Depends if you actually have a pet or are an immoral person.

      • mutley says:

        This is the points game, big boys rules, morality doesn’t come into it!

        Check out the Thai rice farmers shuttling between Bangkok and Chang Mai in the article earlier this week, genius in my book.

        • Peter K says:

          There’s a difference between spotting a sweet spot in a scheme and lying.

      • McCorkadale says:

        Immoral? We are talking about insurance companies here. They’ll stab their own granny if it gets them out of paying a claim.

    • Secret Squirrel says:

      As Long as it takes to pay out!

  • Lloyd says:

    Is there any risk in cancelling this policy after two months? I.e not getting done for some kind of insurance fraud!

    • Bootlace says:

      Err no, it like getting house insurance for contents, and you decided to move three months later and cancelled the policy.

      • Dave says:

        Err…no it’s not if you’re taking a policy out for an imaginary pet. You’re making a false statement to an insurance company for the purpose of gain. I’m all for “free” points but there are red lines and committing fraud crosses them!

        • BJ says:

          Imaginary pets are quite legitimate emotional support animals these days so…

    • Secret Squirrel says:

      You can cancel the policy after one day if you want, however why would you until you’ve received the bonus.
      Once you have the bonus, then cancel.

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

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