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.

What’s included in our Pet Insurance?

  Essential Plus Premier
Vet fees - treatment limit per year* up to £3,000 up to £7,500 up to £12,000
Lifetime cover*
vetfoneTM helpline - 24 hour advice from vetinary nurses
Behavioural treatment** up to £250 up to £250 up to £500
Treatment food** up to £250 up to £250 up to £250
Complementary treatment - such as physiotherapy** up to £500 up to £1000 up to £2000
Third party liability (dogs only) 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 up to £250 up to £500 up to £750
Lost or stolen 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

Compare our cover

  John Lewis
PREMIER
Animal Friends
Prestige
M&S Bank
Premier
SAGA
Super
Vet fees - treatment limit per year up to £12,000* up to £6,000 up to £7,000 up to £5,000
Third party liability (dogs only) up to £3m up to £2m up to £2m up to £2m
Lost or stolen 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.

What our customers say

"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).

Top FAQs

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.

There are a range of factors that could affect your Pet Insurance premium and cover, including:

  • The age of your pet: older pets are more likely to need medical treatment and very young animals may not have a fully developed immune system
  • Your pet's breed
  • Where you live: vet prices may vary across the country
  • Claims on your policy


You can reduce your premium by:

  • Increasing your excess (excess options are £60, £80, £100, £140, £250, or £500)
  • Choosing the right cover level.

You can choose to pay an excess of £60, £80, £100, £140, £250 or £500. This amount is for each condition, for each period of insurance.

For pets aged 9 years or older, the excess is as above or 20% of the treatment costs, whichever is higher.

For Third Party Liability cover (dogs only), £250 excess applies to loss or damage to property.

Note: Increasing your excess may help to reduce your premium. However, it also increases the amount you pay towards a claim.

Call our Customer Services team:

0330 102 2745 or 01422 501 069

Lines are open Monday to Friday 8am-8pm, Saturday 9am-5pm, Sunday closed.

Our Partner

We’ve carefully selected Royal & Sun Alliance Insurance Ltd to underwrite
Pet Insurance from John Lewis Finance.

*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).