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 to do your research before purchasing a pet insurance policy, to ensure that the policy meets your needs. By doing so, you could save money on your pet insurance, while also checking for any important exclusions that may apply. Some insurers may have unique features and benefits to their cover which could be very important to you, or something you’ll never need.
With Pet Insurance from John Lewis Finance, you can choose from six levels of Lifetime cover. These are based on vet fees each year of up to: £2,000, £3,000, £5,000, £7,500, £9,000 or £12,000. 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 our policy that you might not know about:
Annual Online Health Checks provided by vetfone™ - Like you, we believe pets should enjoy healthy and happy lives. That’s why we’ve teamed up with vetfone™ to offer Annual Online Health Checks to keep them in fine fettle, so you can look after your pet’s wellbeing long before their tail stops wagging. This is a service to complement your normal annual physical check up with your vet, where you can schedule a one-to-one online consultation with their experienced veterinary team to discuss aspects of your pet's care and wellbeing.
Freephone vetfone™ helpline - All our policies come with access to specialist veterinary nurses on vetfone™. You can contact them any time, day or night, for a video consultation or call their 24/7 freephone helpline.
Lost or stolen pets - a cat or dog going missing can be a very difficult time for a loving owner, which is why we’ll try to help you find them. If your pet is stolen or goes missing, you could claim up to £300 for local advertising costs and up to £300 towards offering a reward for the recovery of your pet.
Complementary therapy - we’ll pay up to £1,500 each year for complementary treatments carried out by either your vet or a specialist under the direction of a vet.
Behavioural problems - £300 towards the cost of treatments for behavioural problems.
Treatment food - if your vet recommends a special diet developed to dissolve urinary crystals or stones, or to treat renal or thyroid conditions, when given as well as or instead of medication, we could pay up to £300 towards the treatment food.
Dental care - and not just for emergencies. We could help with a whole range of your pet’s dental needs, including:
- Teeth or gums damaged in an accident.
- Any underlying illness causing tooth decay or gum disease.
- Teeth removals, if needed to treat an illness.
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. Shopping around could help you to find the provider and policy that suits your budget and meets your needs.
Go direct - once you’ve found a pet insurance policy that meets your needs, it can be worth phoning the provider directly. This way you can talk to a person who could answer any questions you may have 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 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).