Our best cover for
your best friend

Long- or short-haired, pedigree or mixed, we know your dog 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.

Will I pay more as my pet gets older?

Cats and dogs, like humans, are more prone to illness and ailments as they get older. Your price will increase at renewal because of this likelihood and can also increase significantly when a claim has been paid. New developments in diagnosis and treatments have meant that vets can give them even better care, which is great news for your family pet but means an increase in vet costs.

If your pet is aged nine or over, you will be asked to pay extra excess when making a claim. 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 dog return to health with the treatments they need.

Up to £3,000,000
of liability cover

Even the best-trained dogs can get off the lead sometimes. If your dog’s actions affect a third party, we’ll cover you up to the limits of your policy.

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
Third party liability (dogs only) up to £1m up to £2m up to £3m
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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