Benefits to keep tails wagging
Dental treatment
Policies purchased after 10/07/2022 provide dental cover up to your chosen vet fee limit²
Annual online health checks
Spot potential issues with a vetfone™ online health check, to complement your annual in-person vet checks for your pet
10% multi-pet discount
Get a 10% discount when you insure 2 or more pets together
Show all benefits
Lifetime cover
Keep your policy with us - so there’s no break in cover - and benefit from all the perks of our insurance for your pet's whole life.
24/7 advice
Get pet health advice at any time via the vetfone™ helpline, a national network of veterinary nurses.
Fast payouts
Use phone or web chat. 96% of claims are paid out within 5 days to you or your vet, subject to vet agreement, excess applies. (Average claims data from November 2023 to October 2024)
Treatment foods
Get up to £300 of prescribed food per policy year. We’ll take this from your annual vet fee limit.
Behavioural training
Get up to £300 of recommended training per policy year. We’ll take this from your annual vet fee limit.
Complementary therapies
Get up to £1,500 of therapy by a specialist under your vet’s direction, per policy year. 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 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 make sure you get the right cover for your furry loved one.
Choose from 6 cover options
This is the total amount you can claim towards vet bills each year.
Choose from 6 excess options
You’ll pay this once for every injury or illness claim in each insurance period, even with multiple bills.
How pet age affects your insurance
Pet aged under 9?
You don’t need to make a co-payment. But, you can reduce your premium by choosing to pay 10% or 20% of vet treatment costs. This is for each injury or illness during the policy year, on top of your chosen excess.
Pet aged 9 or over?
You’ll need to pay 20% of the remaining vet treatment costs, on top of your excess.
What we don't cover
Pre-existing conditions
We cover new injuries and illnesses, but not anything that occurred, or first showed signs, before your policy started.
The first 48 hours
Accidents and injuries in the first 48 hours after your policy starts aren’t covered.
Changes in the first 14 days
Illnesses in the first 14 days after your policy starts 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.
There’s no upper age limit, but there could be other circumstances where they couldn’t be covered.
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. You also can't claim for any changes in your pet's health or behaviour in the first 14 days of cover.
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?
Pet insurance doesn’t typically cover the cost of neutering because it’s a preventative treatment.
Policy documents, all in one place
Choose when your policy started to view all the information for your pet insurance.
On or after 10 July 22
Before 10 July 22
Our pet insurance provider
Brought to you through our pet insurance provider, Royal & Sun Alliance Insurance Ltd.
Pet-first knowledge
Signs your dog may be in pain
Recognise when things don’t seem right and how to seek the most appropriate treatment.
Flea and tick prevention
Fleas and ticks can be a real pain for both you and your pet. Find out how to prevent them.
Dog breeds - Jack Russells
Our guides on dog breeds may help you to pick the ideal canine companion. Here, we meet Jack Russells.
Neutering your pet
Thinking of neutering your pet? Our guide answers some of the questions you may have.
Pet excess explained
Excess is a fixed amount agreed at the beginning of your policy and paid when claiming, to help lower the price of your premium.
Vaccinating and microchipping cats
Your cat needs microchipping and vaccinating from an early age to keep it safe and healthy.
John Lewis Money expert review
¹When you renew your policy with no break in cover.
²A dental check is required every 12 months. After their first annual check-up, and any advised treatment is carried out, your pet is covered for tooth decay or gum disease that happens before or at the time of their next check-up. If they miss a check-up or if the advised treatment isn’t done, you’re only covered for:
Accidental damage to teeth or gums
Tooth decay or gum disease if it’s caused by an underlying illness
Removal of teeth to treat an unrelated illness
For more details, see our policy documents.
John Lewis Money, John Lewis Finance and John Lewis Insurance 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 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).