Defaqto 5 Star Ratings applies to
Plus and Premier Pet Insurance only
YOU HAVE OUR WORD
Pets don’t know what office hours are, so it’s a bit much to expect them not to become ill outside 9 to 5. That’s why we give you round-the-clock access to the freephone vetfone™ helpline. The moment that tail stops wagging, a fully trained veterinary nurse is only a call away.
We can also support you when it comes to treatment foods, complementary therapies and the cost of looking for a lost or stolen pet. And if they’re going everywhere but the litter tray and your vet suggests some behaviour training, that’s covered too.
Prices increase at renewal, this can be significant if claim is paid. Excess changes when pet is 9.
"Had to claim twice for my dog over two years for bills totalling £4,500. When telephoning, my calls were answered quickly and sympathetically.
I would recommend them wholeheartedly."
Mfradford, Trustpilot review
Defaqto 5 Star Ratings applies to Plus and Premier Pet Insurance only
For your dog
Our three levels of cover include vet fees, emergency dental care (needed due to an injury) and third-party liability if your dog causes damage to others.
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, as long as 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, and there is no limit to how much your renewal price can increase over time.
Compare our cover
John Lewis
PREMIER
Aviva
Platinum
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 £6,500
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 £1m
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 £1,000
up to £1,500
up to £2,000
Source: John Lewis Finance internet survey 24 January 2019, based on insurer direct websites, excludes optional extras.
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.
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, as long as the policy is renewed and there is no break in cover.
Cats and dogs, like humans, are more prone to illness as they get older and their likelihood of needing treatment increases. This means your insurance premium will increase each year even if you haven’t made a claim. Your premium can also increase significantly when a claim has been paid.
Once your pet reaches the age of nine, your excess amounts will also go up.
Dogs and cats, like humans, are more prone to illness and ailments as they get older. Your price will increase at renewal, because of this likelihood and can also increase significantly when a claim has been paid. New developments in diagnosis and treatments have meant that vets can give them even better care, which is great news for your family pet but means an increase in vet costs.
If your pet is aged nine or over, you will be asked to pay extra excess when making a claim. Rest assured, as long as you renew your policy with us and there’s no break in cover, we reinstate your vet fees limits. So, if while insured with us, your pet starts to develop an ongoing illness, like diabetes or arthritis, or a reoccurring illness like an ear infection, you can continue to claim up to your chosen vet fee limit each year.
If you shop around and try to switch providers, you’ll probably find that they won’t cover pre-existing illnesses or injuries (known as pre-existing conditions) and cover for ongoing conditions will be lost.
† For new customers purchasing online. Minimum premiums apply. Discount is automatically applied when you get a quote.
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 plc. John Lewis Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc (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).
