We treat them like family
Because they are

Long- or short-haired, pedigree or moggy, we know your cat means the world to you. That’s why we’ve put so much thought into crafting cover that cares for them as much as you do. 

This cover pays vet bills for illnesses that develop and injuries that occur while insured with us, this means if your pet needs one-off, reoccurring or ongoing treatment your pet will be covered.


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.

Rest assured, as long as you renew your policy with us and there's no break in cover, we reinstate your vet fees limits. So if, while insured with us, your pet starts to develop an ongoing illness like diabetes or arthritis or a reoccurring illness like an ear infection, you can continue to claim up to your chosen vet fee limit each year.

If you shop around and try to switch providers, you’ll probably find that they won’t cover pre-existing illnesses or injuries (known as pre-existing conditions) and cover for ongoing conditions will be lost.

Up to £12,000 each
year in vet's fees

To make things simpler for you, we can pay your vet directly as long as they’re set up to receive our payments.

dental care

If emergency dental care is required (as a result of injury), we’ll help your cat return to health with the treatments they need.

Up to £2,000
of cattery cover

We’ll make sure your cat’s looked after if you’re hospitalised for more than four days in a row by covering your cattery costs.

Cover levels

  Essential Plus Premier
Vet fees - treatment limit per year up to £3,000 up to £7,500 up to £12,000
Lifetime cover**      
vetfone™ helpline -
24 hour advice from veterinary nurses
Behavioural treatment* up to £250 up to £250 up to £500
Treatment food* up to £250 up to £250 up to £250
Complementary treatment - such as physiotherapy* up to £500 up to £1,000 up to £2,000
Accidental damage - damage to other people's property up to £250 up to £500 up to £750
Lost or stolen pets up to £500 up to £1,000 up to £1,500
Second pet discount 5% 5% 5%

*Cover forms part of vet fees

**As long as you renew your policy with us and there is no break in cover.

If you have a John Lewis Pet Insurance policy, select the relevant link below to view and print your policy documents.

If your policy number starts with RSAP or you're not yet a customer:

Summary documents

If your policy starts with numbers only, please contact us for documents:

0330 102 2745 (Monday to Friday 8am - 8pm, Saturday 9am - 5pm, Sunday 10am - 4pm)

Contact us


Pet Insurance Articles

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)

Copyright © John Lewis Partnership
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