Friendly vet nurses here to help you

All our policies come with access to specialist veterinary nurses through vetfone™. You can contact them any time, day or night, for a video consultation or call their 24/7 freephone helpline. They’ll provide expert advice on everything from grooming to dietary tips. 

If your pet is a bit under the weather, a quick call could even save you a trip to the vet. And making a call won’t affect your premium.

What’s included in our Pet Insurance?

We know you’ll want to give your pets the love, support and care they deserve. We’ve teamed up with vetfone™ to offer your pets an Annual Online Health Check. This is a service to complement your normal annual physical check up with your vet, where you can schedule a one-to-one online consultation with their experienced veterinary team to discuss aspects of your pet's care.

Cover from John Lewis Pet Insurance extends to treatment foods, complementary therapies and the cost of finding a lost or stolen pet. And if they’re going everywhere but the litter tray, we'll also cover behaviour training.

We cover dental care too – and not just for emergencies. We could help with a whole range of your pet’s dental needs, including:

  • Teeth or gums damaged in an accident.

  • Any underlying illness causing tooth decay or gum disease.

  • Teeth removals, if needed to treat an illness.


You can choose from six levels of Lifetime cover. These are based on vet fees each year of up to £2,000, £3,000, £5,000, £7,500, £9,000 or £12,000.

   
Vet fees - treatment limit per year* Up to chosen vet fee limit
Lifetime cover*
vetfoneTM helpline - 24 hour advice from veterinary nurses
Behavioural treatment** up to £300
Treatment food** up to £300
Complementary treatment - such as physiotherapy** up to £1,500
Third party liability (dogs only) up to £2m
Boarding kennel and cattery fees up to £1,500
Dental cover Up to chosen vet fee limit
Lost or stolen up to £1,500
Multi-pet discount 10%

*As long as you renew your policy with us and there is no break in cover.

**Cover forms part of vet fees

What’s not included?

  •   Treatment for any pre-existing medical conditions

  •   Vet fees following an accident in the first 48 hours of your cover start date

  •   Changes to your pet's health or behaviour in the first 14 days of your cover start date

What our customers say

"The Pet Insurance from John Lewis gives exceptional value for the quote I received. It was the best cover for Pet Insurance in comparison with other Pet Insurance quotes. I would definitely recommend John Lewis Pet Insurance"

A J

Fast and easy online claims

Our fast-track online form makes it easy to claim for repeat medication and treatment costs. Plus you can choose if you want us to pay your vet directly (subject to vet agreement and excess applies).

Top FAQs

We provide cover for dogs and cats from eight weeks old, and there is no upper age limit. However, benefits do change for pets over nine years old.*

We don't offer cover for the ‘types’ of dogs that should be registered under the Dangerous Dogs Act 1991 and the Dangerous Dogs (Northern Ireland) Order 1991 or any subsequent amendments (whether pedigree, cross-breed or mixed breed):

Pit Bull Terrier

Japanese Tosa

Dogo Argentino

Fila Braziliero

Additionally, we don't offer cover for:

Wolf or wolf hybrid

Fighting dogs

Guard or security dogs

Dogs used for racing

Dogs used in connection with any profession, occupation or business

Dogs used for breeding

Any breeds not on our breed list unless you have spoken to us and we have agreed to provide cover

*You will not be able to claim for vet fees as a result of an accident in the first 48 hours of cover, or for any changes in your pet's health or behaviour in the first 14 days of cover. Death from illness cover is not available for any pets aged 9 years and above. Excess may increase when your pet turns 9.

There are a range of factors that could affect your Pet Insurance premium and cover, including:

  • The age of your pet: older pets are more likely to need medical treatment and very young animals may not have a fully developed immune system

  • Your pet's breed

  • Where you live: vet prices may vary across the country

  • Claims on your policy

 

You can reduce your premium by:

Increasing your excess

For Pet Insurance with vet fee cover of £2,000 and £3,000 you can choose a standard excess of £60, £80, £100, £140 or £250 for each accident or illness in each period of insurance. 

For Pet Insurance with vet fee cover of £5,000, £7,500, £9,000 and £12,000 you can choose a standard excess of £60, £80, £100, £140, £250 or £500 for each accident or illness in each period of insurance.

For pets aged under 9, you can choose to pay a voluntary co-payment of 10% or 20% towards the rest of the vet treatment costs, in addition to your chosen standard excess, to reduce the price you pay.

Lowering your vet fee limit to another vet fee limit which meets your needs, to reduce the price you pay.

 

For Pet Insurance with vet fee cover of £2,000 and £3,000 you can choose a standard excess of £60, £80, £100, £140 or £250 for each accident or illness in each period of insurance. 

For Pet Insurance with vet fee cover of £5,000, £7,500, £9,000 and £12,000 you can choose a standard excess of £60, £80, £100, £140, £250 or £500 for each accident or illness in each period of insurance.

For pets aged under 9, you can choose to pay a voluntary co-payment of 10% or 20% towards the rest of the vet treatment costs, in addition to your chosen standard excess.

For pets aged 9 years or over, you will pay an Age 9 co-payment of 20% of the rest of the vet’s treatment costs, in addition to your chosen standard excess.

For Third Party Liability cover (dogs only), £250 excess applies to loss or damage to property.

Please note, increasing your excess may help to reduce your premium. However, it also increases the amount you pay towards a claim.

Call our Customer Services team:

0330 102 2745 or 01422 501 069

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm, Sunday closed.

Our Partner

We’ve carefully selected Royal & Sun Alliance Insurance Ltd to underwrite
Pet Insurance from John Lewis Finance.

John Lewis Finance and John Lewis Insurance are trading names of John Lewis plc. The John Lewis Registered office address is: 171 Victoria Street, London, SW1E 5NN. Registered in England and Wales no. 233462. John Lewis plc is an appointed representative (Financial Conduct Authority number 416011) of Royal & Sun Alliance Insurance Ltd. John Lewis Pet Insurance is underwritten by Royal & Sun Alliance Insurance Ltd (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).