Which? Best Buy applies to Vet Fee limits of £7,500, £9,000 & £12,000

We pay 96% of claims within 5 days
(Claims data from September 2022 to February 2023)

Defaqto 5 Star Rating applies to Vet Fee limits of £5,000, £7,500, £9,000 & £12,000

Your pet is our priority

We know the bond between owners and pets is special, so we’ve made it our business to protect it. Our cover has been designed to help you stay on top of your pet’s health with a full range of benefits, from our Annual Online Health Check with vetfoneTM to our comprehensive Lifetime Cover. It’s the level of care your pet deserves, with the quality you’d expect from John Lewis.

Our full range of benefits


Annual Online Health Checks

Provided through vetfone™, one of the UK’s most trusted pet advice services, who can help you to spot any potential health issues. This is a service to complement your normal annual physical check up with your vet.


Lifetime cover 

You can rest assured that if your pet develops a long-term, chronic illness, there’s no limit to the length of treatment, as long as there’s no break in your cover. So, you know you'll have cover in place.

Learn about our Lifetime Cover

24/7 vetfone™ helpline

Around the clock access to fully trained veterinary nurses to get the advice and reassurance you need, when you need it.


Dental treatment

Our comprehensive cover provides for routine treatments and emergency care, ranging from tooth decay and gum disease to post-illness teeth removal.²


Quick and easy online claims

We pay 96% of claims within 5 days. Choose whether claims payments go directly to you or, if they agree, direct to your vet, whichever works best for you. (Claims data from September 2022 to February 2023. Excess applies).


Treatment foods

If prescribed by your vet, we could pay up to £300 per policy year. Cover forms part of vet fees.


Complementary therapies

Whether carried out by your vet or by a specialist under your vet’s direction, we could pay up to £1,500 per policy year. Cover forms part of vet fees.


Behavioural treatment

If your vet suggests some behaviour training, we could pay up to £300 per policy year. Cover forms part of vet fees.


Vet Fees - treatment limit per year Up to chosen Vet Fee limit
Lifetime cover
vetfoneTM helpline - 24 hour advice from veterinary nurses
Behavioural treatment up to £300
Treatment food up to £300
Complementary treatment - such as physiotherapy up to £1,500
Third party liability (dogs only) up to £2m
Boarding kennel and cattery fees up to £1,500
Dental cover Up to chosen Vet Fee limit
Lost or stolen up to £1,500
Multi-pet discount 10%

As long as you renew your policy with us and there is no break in cover

Cover forms part of Vet Fees

What’s not included?

  Treatment for any pre-existing medical conditions

  Vet Fees following an accident in the first 48 hours of your cover start date

  Changes to your pet's health or behaviour in the first 14 days of your cover start date

One simple product, flexible where you need it most

We understand that every owner’s situation is different, but this shouldn’t affect the quality of care your pet has access to. With us, you have the flexibility to choose your level of Vet Fee cover, while still receiving our full range of benefits.

With six levels of Vet Fee cover options available:

Plus, we offer excess options to suit your budget, helping you reduce your premium costs without any loss of cover:

  • Increasing your excess on claims - you can choose an excess of £60, £80, £100, £140 or £250 (or £500 for Vet Fee levels of £5,000 and above) for the treatment of an accident or illness in each policy year. By electing to pay more when you claim, it enables us to bring your premium down.

  • Contributing to your Vet Fees - if your pet is under 9 years-old, there is a voluntary option to pay either 10% or 20% towards the rest of the vet treatment costs, in addition to your chosen excess amount, which can reduce the cost of your premium payments.

What our customers say

“Very easy to understand and get the right amount of cover needed. Many levels to choose from too. Received an in-depth policy document that is easy to understand and clear what is and isn’t covered.”

Georgina, Trustpilot, March 2023

Top FAQs

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 we couldn’t provide cover. Please find the dog breeds we are unable to insure down below. 

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, or for any changes in your pet's health or behaviour in the first 14 days of cover. 

If it were entirely up to us, we’d look out for all dogs. However, legally there are some we just can’t. These are the ‘types’ of dogs, whether pedigree, cross or mixed breed, we’re unable to cover:  

  • Pit Bull
  • Japanese Tosa
  • Dogo Argentino
  • Fila Braziliero
  • American Bulldog


We also can’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
  • Dogs that have had complaints made about their behaviour (aggression, biting or attacking)
  • Dogs that have been the cause of an incident or legal action

If you aren’t sure if your dog’s covered, you’re welcome to call us on 0330 102 2655.

We carefully consider a range of factors that affect your premium and cover, 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 and very young animals may not yet have a fully developed immune system.  

⦁ Claims on your policy 

Excess is a chosen amount of money you agree to pay towards a claim on your insurance, agreed at the beginning of your policy. 

Depending on your level of Vet Fee cover, you can choose the excess amount you’ll pay per claim – with options of £60, £80, £100, £140 and £250 (or £500 for Vet Fee cover of £5,000 and above) for the treatment of an accident or illness in each policy year.  

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

If you’re looking to keep your costs down, increasing your excess may help to reduce your premium, however, please be aware it also increases the amount you pay when you need to make a claim.

Our co-payments option allows you to reduce your premium costs by paying a percentage of the cost of veterinary care. For each claim you make, you’ll pay a percentage of the Vet Fees remaining after your excess is deducted.

  • For pets aged under nine, you can choose to pay a voluntary co-payment of 10% or 20% towards the rest of the vet treatment costs, in addition to your chosen standard excess.
  • For pets aged nine years or over, you must pay a co-payment of 20% on the rest of the vet’s treatment costs, in addition to your chosen standard excess.

Contact our Customer Services team: 

Over the phone on 0330 102 2745Please check our Contact Us page for opening hours. 

Via email: enquiries@johnlewis-petinsurance.com

With our chat box

Our Partner

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

¹Death from illness is not covered for pets aged 9 or over.

²For dental care up to your chosen Vet Fee limit. 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, should your pet suffer from tooth decay or gum disease before the next 12 month check, or if tooth decay or gum disease are seen at the time of the next check, we pay. If your pet doesn’t have a check every 12 months, or if the work required is not done, we will only pay;

1) For teeth or gums if they are 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.

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).