Lifetime insurance for your cat

John Lewis Pet Insurance only offers Lifetime covers. This means your cat is covered for ongoing conditions, as well as one-off mishaps. And there’s no limit to the length of treatment, as long as the policy is renewed and there is no break in cover.

What’s included in Cat Insurance?

We cover your cat or kitten for one-off, recurring and ongoing treatment – up to £12,000 a year. This includes anything from kidney infections to X-rays and operations.

If your vet agrees, we can even pay them directly (excess applies). Also, if you have to stay in hospital for more than four days in a row, we’ll pay towards the cost of a cat minder or cattery stay.

We cover dental care too – 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.


Choose from six levels of Lifetime cover for vet fees each year of up to: £2,000, £3,000, £5,000, £7,500, £9,000 or £12,000.

Vet fees - treatment limit per year* Up to chosen vet fee limit
Lifetime cover*
vetfoneTM helpline - 24 hour advice from vetinary nurses
Behavioural treatment** up to £300
Treatment food** up to £300
Complementary treatment - such as physiotherapy** up to £1,500
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

Is cat insurance worth it?

It’s thought that there are around 12 million cats in the UK. Many of their owners do not have cat insurance. This can mean they will need to pay vet bills if their cat falls ill or has an accident.

It’s worth considering cat insurance for peace of mind. We offer cover for vet bills, and vet-recommended treatments that form part of your vet fee cover.

Will I pay more as my cat gets older?

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 co-payment may increase when your pet turns nine, even if you haven’t had to make a claim.

Unfortunately, once a pet has been taken ill, they’re more likely to get ill again. Which is why, if a claim is paid, the price you will pay next year can double.

It’s important 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, their age and health. And there’s no limit to how much your renewal price can increase over time.

Cat insurance and pre-existing conditions

Like most pet insurers, we don’t cover illnesses or injuries that happen before your policy starts. That’s why it’s important to consider taking out pet insurance soon after getting them and avoid having breaks in cover.

We don’t cover illnesses that happen in the first 14 days or accidents in the first 48 hours of your policy start date.

24/7 veterinary support from veterinary professionals

We know you’ll want to give your pets the love, support and care they deserve. That’s why we’ve teamed up with vetfone™ to offer your pets an annual online health check. This is a service to complement your normal annual physical check up with your vet, where you can schedule a one-to-one consultation with their experienced veterinary team to discuss aspects of your pet’s care.

If your kitten or cat becomes ill overnight or has an accident over the weekend, you can call vetfone™ for advice. Our 24/7 free helpline is there for those times when your usual vet is closed or fully booked.

You can even call the experts while visiting friends or on holiday in the UK with your cat or kitten.

To contact vetfone™ dial 0800 316 7119 at any time with your policy number handy. It could save an unnecessary and expensive trip to the vet while putting your mind at ease.

What are common health conditions for cats?

Health conditions can vary according to the breed of cat. Almost all types of cats can be susceptible to cat flu and skin conditions.

Sadly, older cats are prone to thyroid and kidney issues. Also, veterinary professionals consider chronic stress one of the most important issues affecting cat welfare.

Gum disease is common in cats, so it’s important to look after your cat's teeth and gums. 

If your cat is under nine years of age and dies from an illness, we will pay up to £1,500. We usually ask for a receipt for the fee or donation you originally paid when you got your cat.

Multi-cat insurance

We know your pets are part of the family, and you can insure up to three dogs or cats when taking out a policy online, or up to 10 over the phone. Plus, you get a 10% discount on your policy when you insure multiple pets with us.

If you have more than three pets, contact us on 0330 102 2655.

Frequently asked questions

John Lewis Pet Insurance covers pedigree cats such as:

  • Siamese
  • Birman
  • Domestic Longhair
  • Bengal
  • Siberian
  • Maine Coon
  • Ragdoll
  • Russian Blue

and many more.

When providing a quote, we’ll ask if your cat is a pedigree - which means both its parents are the same breed. This will help you anticipate any future health problems.

You may want to consider getting kitten insurance as soon as possible. You can start a policy as soon as you bring your kitten home, but not before they are 8 weeks old.

No. Vaccinations are part of the routine costs of owning a cat and aren’t covered by cat insurance. It is important to keep up to date with your cat’s vaccinations as we also do not cover illnesses that can be prevented by vaccinations.

Read more about vaccinating and microchipping your cat.

Neutering and spaying your cat is not covered by John Lewis Pet Insurance. We don’t cover treatments, tests or procedures which do not treat an illness or injury, or that are preventative or cosmetic, including neutering or spaying. We also do not pay for complications that result from any of these.

It’s simple to claim with John Lewis Cat Insurance and we pay 96% of claims within five days (Claims data from April to August 2022).

If you need to make a claim, contact us as soon as possible by either:

Always make sure you claim within 90 days for any vet treatment, and keep all vet receipts and invoices. With most claims, there will be an excess to pay.

You can keep track of all your cat’s treatments and medication online.

Ready to make a claim?

Caring for your cat

We're here to help you look after your cat throughout their life

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John Lewis Finance and John Lewis Insurance are trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 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 (Financial Services Register No. 202323).

Copyright © John Lewis Partnership
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