On the surface, many pet insurance policies can look very similar. But if you take a closer look, there will usually be differences in both the level of cover offered and the things that your pet will actually be covered for.

Find the most suitable insurance policy for your pet

It’s important to read the policy documentation and do your research before you buy. Not only could you save money on your pet insurance, but also ensure it covers everything you need it to and it doesn’t have any hidden exemptions. Also many insurers will have unique features in their cover that could be very valuable to you – or something that you’ll never need.

Every John Lewis Finance policy has been carefully created to make sure that we offer a high level of cover and great value for money.

With Pet Insurance from John Lewis Finance, you can choose from three levels of cover for vet’s fees so you can find the right level for you and your pet – Essential, Plus and Premier. Plus, there’s no upper age limit for vet's fees and we'll accept your cat or dog from eight weeks old.

As well as the great cover that you’d expect, there are some additional features within many of our policies that you might not know about.

Lost or stolen pets - a cat or dog going missing can be a very difficult for a loving owner, which is why we’ll try to help you find them if they’re stolen or go missing. You can claim up to £1,000 for advertising costs and reward money (Premier cover).

Complementary therapy - we’ll pay up to £2,000 (Premier cover) each year for complementary treatments carried out by either your vet or a specialist under the direction of a vet.

Behavioural problems - £250 towards the cost of treatments for behavioural problems.

Treatment food - if your vet recommends a special diet in order to treat a condition, we’ll pay up to £250 towards the food.

Follow our top tips to see how you could not only save money on car insurance, but also make sure it covers everything it needs to and doesn’t have any hidden exemptions.

Pet insurance checklist:

Research your options - going online can be a good place to start. Results can be confusing and a little overwhelming, but if you enter accurate details and pick and choose the elements of cover you do and don’t want, you might find that you could save yourself a lot of money. But make sure you shop around to avoid wasting money, and get the provider or policy that is best for you.

Go direct - once you’ve found a pet insurance provider you think is the cheapest and best for you, it’s worth phoning them directly. This way you can talk to a person who can answer your questions before you commit to buying

Don’t get caught out - remember that the cheapest pet insurance isn’t always the most comprehensive and you may get caught out if you make a claim for something you thought was covered. So before you buy, check that the insurer you’ve chosen provides the right level of cover that you need for your pet.

Check out the benefits - certain insurers will give you a gift when you join them or offer a rewards scheme. This shouldn’t necessarily sway you too much, but it’s worth considering if it’s a close call.

John Lewis plc is an appointed representative (Financial Conduct Authority number 416011) of Royal & Sun Alliance Insurance plc. John Lewis Home / Pet / Wedding / Event (Delete as appropriate) 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).


John Lewis Finance and John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (Registered Company Number 233462). John Lewis plc is an appointed representative of a panel of carefully chosen insurers to offer a full range of insurance products and services via John Lewis Insurance (Financial Conduct Authority number 416011). Calls may be recorded and monitored.

Copyright © John Lewis Partnership
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