Could you afford the cost of
veterinary care?

The relationship that we enjoy with our pet is based on mutual love, trust and respect. We rely on them to bring us joy, comfort and companionship in life, but they rely on us if they ever get injured or ill.

With the cost of veterinary care continuing to rise, the right pet insurance could save you money and stress.

Although none of us want to imagine something happening to our furry friend, leaving them uninsured can lead to large bills and lots of hassle. According to recent figures released by the Association of British Insurers, the average cost of veterinary surgery is now £1,500 and the average vet bill is £757.

Some of the most expensive claims last year included:

A cat with inflammatory bowel disease required £9,600 of treatment

A golden retriever with a fracture required £10,000 of treatment

A dog suffering from seizures required £30,000 of treatment

Covering the cost of treatment

Taking into account the potential cost of treatment, should your pet get injured or ill, it’s important to have the right cover in place. But with so many insurance companies and levels of cover available, finding the right insurance policy for your pet can seem overwhelming.

The main thing to be aware of is that while many pet insurance policies appear similar, there can be differences in both the level of cover offered and the things that your pet will actually be covered for.

We’re here to make things simple

They’re there for you, so we’re there for them. With Pet Insurance from John Lewis Finance, you can choose from three different levels of cover (Essential, Plus and Premier), making it easy for you to find the policy that’s right for you and your pet.

Some of the key benefits that you will receive from all levels of Pet Insurance from John Lewis Finance include:

  • Lifetime Cover - We’ll protect your pet for life, with no limit on the length of treatment, provided you renew your policy with us and there is no break in cover.

  • No Upper Age Limits - We can accept your pet from only eight weeks with no upper age limit. However, we will not pay claims for death from illness if your pet is aged 9 or over.

  • Freephone vetfone helpline - 24-hour support from fully trained veterinary nurses.

We can also support you when it comes to behavioural treatment, treatment food, complementary treatment and the cost of looking for a lost or stolen pet.

Rising cost of insurance for older pets

As long as your policy renews with us each year and there is no break in cover you can continue to claim for both one off mishaps and for longer lasting conditions that develop while insured with us.

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.

Not Yet Covered by John Lewis Finance?

Insure your pet today by calling us on 0330 102 2490 or get a quote online.


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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).

Copyright © John Lewis Partnership
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