Your pet is our priority
We know the bond between owners and pets is special, so we’ve made it our business to protect it. Our cover has been designed to help you stay on top of your pet’s health with a full range of benefits, from our Annual Online Health Check with vetfoneTM to our comprehensive Lifetime Cover. It’s the level of care your pet deserves, with the quality you’d expect from John Lewis.
Our full range of benefits
Annual Online Health Checks
Provided through vetfone™, one of the UK’s most trusted pet advice services, who can help you to spot any potential health issues. This is a service to complement your normal annual physical check up with your vet.
You can rest assured that if your pet develops a long-term, chronic illness, there’s no limit to the length of treatment, as long as there’s no break in your cover. So, you know you'll have cover in place.
If your cat or dog is at least eight weeks old, they could be eligible for John Lewis Pet Insurance. There is no upper age limit, but there could be other circumstances where we couldn’t provide cover. Please find the dog breeds we are unable to insure down below.
Once you’ve taken out a policy, you’re not able to claim for Vet Fees as a result of an accident in the first 48 hours, or for any changes in your pet's health or behaviour in the first 14 days of cover.
If it were entirely up to us, we’d look out for all dogs. However, legally there are some we just can’t. These are the ‘types’ of dogs, whether pedigree, cross or mixed breed, we’re unable to cover:
- Pit Bull
- Japanese Tosa
- Dogo Argentino
- Fila Braziliero
- American Bulldog
We also can’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
- Dogs that have had complaints made about their behaviour (aggression, biting or attacking)
- Dogs that have been the cause of an incident or legal action
If you aren’t sure if your dog’s covered, you’re welcome to call us on 0330 102 2655.
We carefully consider a range of factors that affect your premium and cover, including:
⦁ Your pet’s breed
⦁ Where you live: vet prices may vary across the country
⦁ The age of your pet: older pets are more likely to need medical treatment and very young animals may not yet have a fully developed immune system.
⦁ Claims on your policy
Excess is a chosen amount of money you agree to pay towards a claim on your insurance, agreed at the beginning of your policy.
Depending on your level of Vet Fee cover, you can choose the excess amount you’ll pay per claim – with options of £60, £80, £100, £140 and £250 (or £500 for Vet Fee cover of £5,000 and above) for the treatment of an accident or illness in each policy year.
For Third Party Liability cover (dogs only), £250 excess applies to loss or damage to property.
If you’re looking to keep your costs down, increasing your excess may help to reduce your premium, however, please be aware it also increases the amount you pay when you need to make a claim.
Our co-payments option allows you to reduce your premium costs by paying a percentage of the cost of veterinary care. For each claim you make, you’ll pay a percentage of the Vet Fees remaining after your excess is deducted.
- For pets aged under nine, 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 nine years or over, you must pay a co-payment of 20% on the rest of the vet’s treatment costs, in addition to your chosen standard excess.
We’ve carefully selected Royal & Sun Alliance Insurance Ltd to underwrite
Pet Insurance from John Lewis Finance.
¹Death from illness is not covered for pets aged 9 or over.
²For dental care up to your chosen Vet Fee limit. If your pet has a dental check every 12 months: once it has had its first check and your vet has done any necessary work, should your pet suffer from tooth decay or gum disease before the next 12 month check, or if tooth decay or gum disease are seen at the time of the next check, we pay. If your pet doesn’t have a check every 12 months, or if the work required is not done, we will only pay;
1) For teeth or gums if they are damaged in an accident,
2) If an underlying illness causes tooth decay or gum disease, or
3) To remove teeth as treatment of an illness which is not gum disease or tooth decay.
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).