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. If they’re going everywhere but the litter tray and your vet suggests some behaviour training, that’s covered too.

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, 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, there is no limit to how much your renewal price can increase over time. For new customers purchasing online. Minimum premiums apply. Discount includes web and partner discounts. Discounts are applied consecutively.

We always offer lifetime covers

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.

Cover levels

  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
Cattery cover (cats only) up to £1,000 up to £1,500 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%

*Cover forms part of vet fees
**As long as you renew your policy with us and there is no break in cover.

If you have a John Lewis Pet Insurance policy, select the relevant link below to view and print your policy documents.

If your policy number starts with RSAP or you're not yet a customer:


Summary documents


If your policy starts with numbers only, please contact us for documents:

0330 102 2745
Monday to Friday 8am - 8pm, Saturday 9am - 5pm, Sunday closed

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 31 March 2021, based on insurer direct websites, excludes optional extras.

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.

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.

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. If a claim is paid, the price you will pay next year can double.

It's important that you budget for renewal prices to increase as your pet gets older, there is no limit to how much your renewal price can increase over time.

 

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 are 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 that 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, age and health. There is no limit to how much your renewal price can increase over time.

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.

Our Partner

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

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).