Pet Insurance
Looking after what you love
Lifetime cover*
Choose from six levels of vet-fee cover, up to £12,000
24/7 access to vetfone™ helpline
*When you renew your policy with no break in cover. Terms, policy limits and exclusions apply.
Benefits to keep tails wagging
Dental treatment
With proof of past annual check-ups, your policy provides dental cover up to your chosen vet fee limit1
Vet assistance when you need
With vetfone™, gain 24/7 access to veterinary nurses for pet health advice
5% multi-pet discount
Get a 5% discount per pet, when you insure 2 or more pets together
Show all benefits
Lifetime cover
When you keep your John Lewis Pet Insurance cover with no break in cover, it means that your pet benefits from all the policy perks - for their whole life.
Treatment foods
25% off prescribed foods, up to a maximum of 6 months per condition, per policy year - excludes food prescriptions for obesity/weight loss.
We'll take this from your annual vet fee limit.
Kennel and cattery fees
Claim up to £1,500 in kennel and cattery fees if you’re hospitalised for more than 48 hours due to an injury or illness.
Cover for your pet, choices for your budget
With 6 levels of vet fee cover and excess options, you can select what best suits your budget.
Choose from 6 cover options
This is the total amount you can claim towards vet bills each policy year.
Choose an excess amount
Choose an excess amount to suit you. The excess is paid once per injury or illness claim in each policy year, even with multiple bills.
What we don't cover
Pre-existing conditions
We cover new injuries and illnesses, but you're not able to claim vet fees for accidents that happen in the first 3 days, or illness within the first 14 days of your policy (unless you can show that your previous policy runs up to your start date with us).
Outside the EU
Claims for any event outside of the UK, EU, Channel Islands or the Isle of Man aren’t covered.
Pet Insurance FAQs
Is my pet eligible for John Lewis Pet Insurance?
If your cat or dog is at least 8 weeks old, they could be eligible for John Lewis Pet Insurance. For most dogs, the upper age limit is the day before their 8th birthday. For some breeds, however, the upper age limit is the day before their 5th birthday. For cats, the upper age limit is the day before their 10th birthday. Once your cat or dog is insured, cover can continue beyond these upper age limits.
Once you've taken out a policy, you’re not able to claim for vet fees as a result of accidents that happen in the first 3 days or illness within the first 14 days. If you switch to John Lewis Pet Insurance and can show your previous policy runs up to the start date, we can waive the initial exclusion periods for you.
Does pet insurance cover vaccinations?
Pet insurance doesn’t usually cover vaccinations as they are considered to be routine. It’s important to keep your pet’s vaccinations up to date for their own safety. If your pet becomes unwell and needs treatment because they have missed a vaccination, you may not be able to make a claim.
Does pet insurance cover neutering?
No. These routine procedures don’t involve treating your pet for illness or injury, so aren't covered by our policy. However, if your vet recommends neutering/spaying to treat a condition (e.g. Pyometra or testicular tumour), the cost of this can be covered.
Policy documents, all in one place
Choose when your policy started to view all the information for your pet insurance.
After 1 December 2025
On or after 10 July 22
Before 10 July 22
1The cost of treatment for a dental condition and any related conditions are covered, so long as:
There is a history of annual check-ups. If not annual, then as recommended by your vet. Proof is required that any advice given has been followed within 6 months; and
The treatment is to relieve suffering due to illness.
The cost of dental treatment as a result of an accidental injury.
For more details, see our policy documents.
John Lewis Money and John Lewis Finance are trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (Registered company number: 233462).
John Lewis Plc is an introducer appointed representative of Pinnacle Insurance Ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH. John Lewis Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance Ltd. John Lewis Plc and Pinnacle Insurance Ltd are not part of the same corporate group.
vetfone is a brand of Vetsdirect Limited (Company Number: SC230445) of Registered Office: Dickson Minto, 16 Charlotte Square, Edinburgh, EH2 4DF. Vetsdirect are NOT regulated or authorised by the Financial Conduct Authority