Award winning Pet Insurance
A policy that puts your pets first
Pets bring so much joy to our lives, so naturally we want the best care for them. That’s why John Lewis Pet Insurance is only available as a lifetime policy.
It’s a reassuring standard of cover that comes with a wide range of benefits. All policies include the 24/7 vetfone™ helpline and quick and easy online claims. There are six levels of vet fee cover available to suit the needs of you and your pet.
John Lewis Pet Insurance benefits
Annual Online Health Checks
From home, or wherever you choose, you can hold an annual consultation with a vet expert at vetfone™. It’s a convenient service that complements your normal vet check-ups. The vet experts can help you spot any potential health issues with your pet.
24/7 vetfone™ helpline
Got a question about your pet's health or behaviour? For expert advice call the vetfone™ helpline. It comes as part of your policy and you can use the service as often as you want.
Questions about Pet Insurance
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 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.
Pet insurance doesn’t typically cover the cost of neutering because it is a preventative treatment.
A range of factors that affect your premium and cover are considered, 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. Whereas very young animals may not have fully developed immune systems.
Claims on your policy
John Lewis comprehensive pet insurance provides cover for accidental dental care and illness. This include tooth decay, gum disease and post-illness teeth removal.2
If you are an existing customer, check your policy document to see if this benefit is included.
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.
If you have a John Lewis Pet Insurance policy, select the relevant link below to view and print your policy documents.
If your policy ID starts with RSAP and you first bought your policy on or after 10 July 2022,
or you're not yet a customer:
If your policy ID starts with RSAP and you first bought your policy before 10 July 2022:
We’ve carefully selected Royal & Sun Alliance Insurance Ltd to underwrite
Pet Insurance from John Lewis Finance.
²For dental care up to your chosen vet fee limit we will pay;
1. For teeth or gums 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.
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, additionally we will pay;
1. If your pet suffers from tooth decay or gum disease before the next 12 month check.
2. If tooth decay or gum disease is found at the time of the next check.
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).