Dog Insurance
Passionate about dogs? Us too
Explore a lifetime policy for your dog that comes with a range of reassuring benefits:
Lifetime cover*
Choose from six levels of vet-fee cover, up to £12,000
24/7 access to vetfone™ helpline
*When you renew your policy with no break in cover. Terms, policy limits and exclusions apply.
What’s included with John Lewis Dog Insurance?
Dogs bring so much joy to our lives, so naturally we want the best care for them. That’s why John Lewis Pet Insurance is only available as a lifetime policy. It’s packed with benefits to help you keep on top of your pet’s health, giving you the freedom to focus on their happiness. You can choose a level of vet fee cover that suits your dog's needs when you get a quote.
Perks for your pet’s well-being
Vet assistance when you need
With vetfone™, gain 24/7 access to veterinary nurses for pet health advice.
Lifetime cover
If your dog develops a long-term illness, they can be taken care of for life just as long as your policy remains with John Lewis and there is no break in cover.
Dental treatment
With proof of past annual check-ups, your policy provides dental cover up to your chosen vet fee limit¹. If you are an existing customer, check your policy documents to see if this benefit is included.
Lifetime cover also includes
Treatment foods
25% off prescribed foods, up to a maximum of 6 months per condition, per policy year - excludes food prescriptions for obesity/weight loss.
We'll take this from your annual vet fee limit.
Kennel fees
You can claim up to £1,500 in kennel fees if you cannot look after your dog due to personal injury or illness that results in a hospital stay for more than 48 hours.
Third party liability cover
Cover for legal costs or damages you may be liable to pay if your dog causes an accident or injury.
What we don't cover
Pre-existing conditions
We cover new injuries and illnesses, but you're not able to claim vet fees for accidents that happen in the first 3 days, or illness within the first 14 days of your policy (unless you can show that your previous policy runs up to your start date with us).
Outside the EU
Claims for any event outside of the UK, EU, Channel Islands or the Isle of Man aren’t covered.
Cover for your pet, choices for your budget
With 6 levels of vet fee cover and excess options, you can select what best suits your budget.
Choose from 6 cover options
This is the total amount you can claim towards vet bills each policy year.
Choose an excess amount
Choose an excess amount to suit you. The excess is paid once per injury or illness claim in each policy year, even with multiple bills.
Unlimited access to veterinary experts
Worried about your dog's behaviour or why they're off their food? With your dog insurance, you gain access to vetfone™ and their fully trained team of veterinary specialists.
Save money with a multi-pet discount
Lots of pets in the family? You can add multiple pets to one policy to get a 10% discount on your premium. That means your one dog insurance policy can work for several pups.
More than one pet
If you own more than one pet then you can get a 5% discount per pet, and you’ll be able to manage all your pet insurance policies in one place.
Dog Insurance FAQs
When should I insure my puppy?
Taking out dog insurance as early as possible can help you prepare for any unexpected illnesses or injuries. For most dog breeds, new policies are available from 8 weeks to 8 years old. For some breeds, however, the upper age limit is the day before their 5th birthday. Refer to our Help to check if your breed is covered by our pet insurance.
Does dog insurance include my puppy’s vaccinations?
Pet insurance doesn’t usually cover vaccinations as they are considered to be routine. It’s important to keep your dog’s vaccinations up to date for their own safety. If your pet's vaccinations are not up to date, we won't cover illnesses that could've been prevented by them.
Does dog insurance include neutering or spaying?
No. These routine procedures don’t involve treating your pet for illness or injury, so aren't covered by our policy. However, if your vet recommends neutering/spaying to treat a condition (e.g. Pyometra or testicular tumour), the cost of this can be covered.
What are common health conditions for dogs?
Dogs are vulnerable to illness, just like us or any other animal. Naturally, certain breeds are predisposed to specific conditions. Old age can also bring different challenges, like arthritis and cataracts.
Understanding these realities is why John Lewis Pet Insurance offers lifetime cover. That means the length of treatment your dog receives won't be limited, as long as your policy remains with John Lewis and there’s no break in cover.
Will I pay more when my dog gets older?
With us, your dog can receive lifetime cover. This means they’re covered for ongoing conditions, as well as one-off mishaps. The cost of your premium is likely to increase over time.
How much this goes up varies for everyone and depends on various factors like your pet’s breed, age and health. It’s normal to expect the cost of your premium to increase as your dog ages. If a claim is paid out on your policy, your premium could more than double at renewal time.
Make sure to check whether a new policy covers pre-existing conditions, and if it has any exclusion periods. These can include the following:
Health issues
Health concerns
Illnesses and injuries which developed or are showing signs of developing, which you or your vet were aware of before taking out the policy.
1The cost of treatment for a dental condition and any related conditions are covered, so long as:
There is a history of annual check-ups. If not annual, then as recommended by your vet. Proof is required that any advice given has been followed within 6 months; and
The treatment is to relieve suffering due to illness.
The cost of dental treatment as a result of an accidental injury.
For more details, policy documents.
John Lewis Money and John Lewis Finance are trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (Registered company number: 233462).
John Lewis Plc is an introducer appointed representative of Pinnacle Insurance Ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH. John Lewis Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance Ltd. John Lewis Plc and Pinnacle Insurance Ltd are not part of the same corporate group.
vetfone is a brand of Vetsdirect Limited (Company Number: SC230445) of Registered Office: Dickson Minto, 16 Charlotte Square, Edinburgh, EH2 4DF. Vetsdirect are NOT regulated or authorised by the Financial Conduct Authority