THEY’RE THERE FOR YOU
WE’RE THERE FOR THEM

John Lewis Pet Insurance

Whether they’re your sidekick, co-worker, personal trainer or alarm clock, your pet is always there for you. That’s why our trusted and reassuring Pet Insurance is always there for them.

Plus when you take out a new Premier or Plus policy before 3 October 2018, you'll receive a John Lewis Partnership gift card to spend on your pet. Treat them to some toys or accessories with a £10 gift card (new Plus customers) or £15 gift card (new Premier customers). Terms and conditions apply.

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 will also increase when a claim has been paid.

Once your pet reaches the age of nine, your excess amounts will also go up.

Compare our cover

  John Lewis
PREMIER
Aviva M&S Bank
Standard Cover
SAGA
Vet fee cover £12,000 £6,500 £7,000 £5,000
Third party liability
(Dogs only)
£3m £1m £2m £2m
Lost or stolen £1,500 £1,000 £1,500 £2,000
Maximum age
(Dogs only)
Unlimited* 9 years + Unlimited* 9 years +

Source: John Lewis Finance internet survey 16 November 2017, based on insurer direct websites, excludes optional extras.

*We will not pay claims for death from illness for pets aged 9 and over.

Caring for your pet

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.

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 will also increase when a claim has been paid.

Once your pet reaches the age of nine, your excess amounts will also go up.

As your pet gets older they’re more likely to become ill, so the price of your insurance rises at renewal. New developments in diagnosis and treatments mean vets provide even better care. This comes at a cost, so we have to account for the rise in vet fees.

If you decide to change your insurer, you might find it difficult to find cover for any conditions your pet previously or currently has. Rest assured, you'll be covered up to your chosen vet fee limit each year as long as you renew your policy each year and there's no break in cover. Your excess will increase when your pet turns 9. If a claim has been made your premium will increase.

Our Partner

*Offer open to customers purchasing a new John Lewis Plus or Premier Pet Insurance policy by 3 October 2018. Customers purchasing in accordance with these terms and conditions will receive a £10 gift card for Plus or a £15 gift card for Premier policies. Redeemable online.

† 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).