Lifetime insurance
for your dog

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

  • Up to £12,000 vet fees each year
  • 24/7 vetfone™ helpline
  • Emergency dental care if your dog is injured
  • Up to £3m liability cover for your dog
  • Multi-pet cover
  • 95% of claims paid within 5 days (Claims data from September - December 2020)

What’s included in dog insurance?

We cover your dog or puppy for one-off, recurring and ongoing treatment - up to £12,000 a year. This includes anything from ear infections and arthritis, to X-rays and operations.

If your vet agrees, we can even pay them directly (excess applies). Also, if you have to go into hospital for more than 4 days in a row, we will pay towards the cost of a dog minder or kennel stay.

We have three options for dog and puppy insurance: Essential, Plus and Premier. Your levels of cover increase according to which dog insurance plan you choose:

  Essential Plus Premier
Vet fees per year up to £3,000 up to £7,500 up to £12,000
Lifetime cover - as long as the policy is renewed with no break in cover
vetfoneTM helpline - 24 hour advice from vetinary nurses
Behavioural treatment (as part of your vet fees) up to £250 up to £250 up to £500
Treatment food (as part of your vet fees) up to £250 up to £250 up to £250
Complementary treatment and physiotherapy (as part of your vet fees) up to £250 up to £250 up to £250
Third party liability cover up to £1m up to £2m up to £3m
Emergency dental treatment due to injury up to £3,000 up to £7,500 up to £12,000
Accidental damage to other people's property up to £250 up to £500 up to £750
Lost or stolen up to £500 up to £1,000 up to £1,500
Total discount for multiple pets 5% 5% 5%

 

Will I pay more as my dog gets older?

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.

Dog 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 support from veterinary professionals

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

You can even use it while you are staying elsewhere, or on holiday in the UK with your dog or puppy.

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

What are the most common health conditions for dogs?

Health conditions vary according to the breed of dog. Older dogs can experience arthritis and cataracts, much like their human counterparts. Ear infections can be irritating and painful and there are a number of urine or bladder problems that can affect dogs. Larger dogs can suffer hip dysplasia which can also be very painful.

Gum disease is painful for dogs, so it’s important to look after your dog’s teeth and gums. We don’t cover ongoing problems with teeth and gums, such as gum disease, but we do cover emergency dental injuries.

If your dog is under nine years of age and dies from an illness, we will pay:

  • up to £500 for Essential customers 
  • up to £1000 for Plus customers 
  • up to £1,500 for Premier customers


We usually ask for a receipt for the fee or donation you originally paid when you got your dog.

Insurance for puppies

We are there from the start of family life with your puppy and can cover them from eight weeks old.

When should I insure my puppy?

Cover can start as soon as you bring your puppy home but not before they are 8 weeks old. Taking out insurance as early as possible can help towards vet bills, should the unexpected happen.

Does dog insurance include my puppy’s vaccinations?

No. Puppy vaccinations come under routine treatments and aren’t covered by dog insurance.

It is important to keep up to date with your dog’s vaccinations as we aren’t able to cover illnesses that can be prevented by vaccinations.

Read more about vaccinating and microchipping your dog.

Does dog insurance include neutering or spaying?

No. Neutering and spaying come under routine treatments which aren’t covered by Dog Insurance.

Multi-dog 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 5% discount on your policy when you insure multiple pets with us.

If you have more than three pets, contact us on 03301022655

Third party liability insurance for dogs

We know it’s unthinkable that your dog could cause an accident or injure a person or another dog. But just in case, all three levels of John Lewis Dog Insurance cover third party liability (often known as public liability) up to £3m.

If your claim involves a third party, we advise you not to accept any fault or blame, or get into any negotiations, until you have spoken to our legal team. Our legal helpline is available 24/7 on 0330 102 2469.

Frequently asked questions

It’s simple to claim with John Lewis Dog Insurance and we pay 95% of claims within five days (Claims data from September - December 2020).

If you need to make a claim, the quickest and easiest way is to claim online.

If you need help with this, please contact 0330 102 2756.

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 dog’s treatments and medication online.

Ready to make a claim?

Yes, we insure most pedigree dogs and puppies. We don’t, however, cover pedigree, cross or mixed breeds of the following dogs:

  • ✖ Pit Bull
  • ✖ Pit Bull type
  • ✖ Japanese Tosa
  • ✖ Fila Braziliero
  • ✖ Dogo Argentino
  • ✖ American Bulldog
  • ✖ Wolf/Wolf hybrid


We also don’t cover working dogs, racing dogs, dogs that are used for breeding, or dogs that are used to make a living. If you aren’t sure if your dog is covered, you’re welcome to call us on 0330 102 2655.

We don’t cover dangerous dogs, so it might be worth getting a quote from a specialist insurer. 

Dogs we don’t cover include:

  • ✖ Dogs that have been trained to attack
  • ✖ Security or guard dogs
  • ✖ Dogs that have had complaints made about their behaviour (aggression, biting or attacking)
  • ✖ Dogs that have been the cause of an incident or legal action

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 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
Back to top