Defaqto 5 Star Ratings applies to Plus and Premier Pet Insurance only
Friendly vet nurses here to help you
All our policies come with access to a 24/7 freephone pet helpline and video consultations. You can rely on expert advice from our vetfone™ nurses on anything from grooming to dietary tips.
If your pet is under the weather, a quick call could save you a trip to the vet. And making a call won’t affect your premium.
Vet fees are covered in the UK. There is no length of treatment limit as long as you renew the insurance policy and there is no break in cover.
up to £3,000
up to £7,500
up to £12,000
Lifetime cover*
The cost of looking after your pet’s health doubles every four to five years. That’s why your renewal price increases each year and your excess will increase when your pet turns nine. If a claim is paid, the price you pay next year can double. It’s important that you budget for renewal prices to increase as your pet gets older. There is no limit to how much your renewal price can increase over time.
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vetfoneTM helpline - 24 hour advice from vetinary nurses
If your vet practice isn’t open or can’t offer an appointment for treatment, you can call the helpline for advice any time, any day whether you’re at home or away.
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Behavioural treatment**
We cover the cost of behavioural treatment, provided that this treatment is recommended by a vet and carried out by a specialist.
up to £250
up to £250
up to £500
Treatment food**
We cover the cost of specialist food for treating a condition as long as it is recommended by your vet and covered within the policy terms.
up to £250
up to £250
up to £250
Complementary treatment - such as physiotherapy**
We cover the cost of physiotherapy if your pet needs it. Physiotherapy has to be performed or recommended by a vet.
up to £500
up to £1000
up to £2000
Third party liability (dogs only)
Provides cover if your dog injures someone or causes damages to their property and as a result you become liable.
up to £1m
up to £2m
up to £3m
Boarding kennel and cattery fees
up to £500
up to £1,000
up to £2,000
Accidental damage - damage to other people's property
If you’re visiting someone and your pet accidentally damages this person’s property, we’ll cover the costs of the damage. You don’t have to be legally liable to make a claim in this case.
up to £250
up to £500
up to £750
Lost or stolen
If your pet is stolen or permanently lost, we’ll cover the costs for the loss.
up to £500
up to £1,000
up to £1,500
Second pet discount
5%
5%
5%
*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?
Routine treatment for any pre-existing medical conditions
Vet fees following an accident in the first 48 hours of your cover
Changes to your pet's health or behaviour in the first 14 days of cover
What’s not included?
Routine treatment for any pre-existing medical conditions
Vet fees following an accident in the first 48 hours of your cover
Changes to your pet's health or behaviour in the first 14 days of cover
Compare our cover
John Lewis
PREMIER
Animal Friends
Prestige
M&S Bank
Premier
SAGA
Super
Vet fees - treatment limit per year
Vet fees are covered in the UK. There is no length of treatment limit as long as you renew the insurance policy and there is no break in cover.
up to £12,000*
up to £6,000
up to £7,000
up to £5,000
Third party liability (dogs only)
Provides cover if your dog injures someone or causes damages to their property and as a result you become liable.
up to £3m
up to £2m
up to £2m
up to £2m
Lost or stolen
If your pet is stolen or permanently, we’ll cover the costs for the loss.
up to £1,500
up to £1,500
up to £1,500
up to £2,000
Source: John Lewis Finance internet survey 13 January 2022, based on insurer direct websites, excludes optional extras.
"I just wanted to say how much I recommend John Lewis Pet Insurance. Their advisors are knowledgeable, polite and work hard at getting the right cover for you as an individual. They are super quick at sorting claims too, wouldn't go anywhere else."
Amanda Jones, Trustpilot review
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).
Pet Insurance from John Lewis Finance only offers lifetime covers. This means your pet is covered for ongoing conditions as well as one-off mishaps with no limit to the length of treatment. This is provided the policy is renewed with us and there is no break in cover.
Like us, as pets get older, sadly they're more likely to get ill. In fact our claims data shows that the cost of looking after your pet's health doubles every four to five years. That's why your renewal price increases each year and your excess will increase when your pet turns nine, even if you haven't had to make a claim.
Unfortunately, once a pet has been taken ill, in general they're more likely to get ill again. That's why, if a claim is paid, the price you will pay next year can double.
It’s important you budget for renewal prices to increase as your pet gets older. How much they go up is different for everyone and depends on things like your pet’s breed, their age and health. There is no limit to how much your renewal price can increase over time.
Pet Insurance from John Lewis Finance only offers lifetime covers. This means your pet is covered for ongoing conditions as well as one-off mishaps with no limit to the length of treatment. This is provided the policy is renewed with us and there is no break in cover.
Like us, as pets get older, sadly they're more likely to get ill. In fact our claims data shows that the cost of looking after your pet's health doubles every four to five years. That's why your renewal price increases each year and your excess will increase when your pet turns nine, even if you haven't had to make a claim.
Unfortunately, once a pet has been taken ill, in general they're more likely to get ill again. That's why, if a claim is paid, the price you will pay next year can double.
It’s important you budget for renewal prices to increase as your pet gets older. How much they go up is different for everyone and depends on things like your pet’s breed, their age and health. There is no limit to how much your renewal price can increase over time.
We provide cover for dogs and cats from eight weeks old, and there is no upper age limit, though 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 will increase when your pet turns 9.
*As long as you renew your policy with us and there is no break in cover.
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).
