Lifetime insurance for your dog

John Lewis Pet Insurance only offers Lifetime cover. This means your dog 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 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 stay in hospital for more than four days in a row, we’ll pay towards the cost of a dog minder or kennel 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: £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
Third party liability (dogs only) up to £2m
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

Will I pay more as my dog 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.


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 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 online consultation with their experienced veterinary team to discuss aspects of your pet's care.

If your dog or puppy becomes ill overnight or has an accident over the weekend, you can always 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 dog or puppy.

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

What are common health conditions for dogs?

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

If your dog 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 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 10% 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

You may find it impossible to imagine your dog causing an accident, or injuring a person or another dog. But if the unthinkable happens, we cover third party liability (often known as public liability) up to £2m.

If your claim involves a third party, we advise you not to accept any fault or blame. Nor should you 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 96% of claims within five days (Claims data from April to August 2022).

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

✖  Any breeds not on our breed list unless we have agreed to provide cover

We also don’t cover working dogs, racing dogs, dogs that are used for breeding more than twice in their lifetime, or dogs that are used as a business, or to make money, or earn an income. 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 may not offer cover for 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

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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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