We provide cover for dogs and cats from eight weeks old, and there is no upper age limit, though benefits do change for pets over nine years old*.

We don't offer cover for the ‘types’ of dogs that should be registered under the Dangerous Dogs Act 1991 and the Dangerous Dogs (Northern Ireland) Order 1991 or any subsequent amendments (whether pedigree, cross-breed or mixed breed):

  • Pit Bull Terrier
  • Japanese Tosa
  • Dogo Argentino
  • Fila Braziliero


Additionally, we don't offer cover for:

  • American bulldog and other breeds which are not on our breed list
  • Wolf or wolf hybrid
  • Fighting dogs
  • Guard or security dogs
  • Dogs used for racing
  • Dogs used in connection with any profession, occupation or business
  • Dogs used for breeding


*You will not be able to claim for vet fees as a result of an accident in the first 48 hours of cover, or for any changes in your pet's health or behaviour in the first 14 days of cover. Death from illness cover is not available for any pets aged 9 years and above.

Pet Insurance helps protect you from unexpected vet bills and will usually pay for things like consultations, treatments, complementary therapies and even some treatment foods.

Paying a small amount each month for vet cover could mean you’re protected from these expenses, while your pet is taken care of.

You could choose to save money each month to fund any future vet bills, but with vet bills potentially running into thousands of pounds, you run the risk of your savings falling short of the amount needed.

If you are a dog owner you may also want to consider the legal costs or damages you may be liable to pay if your dog causes injury or an accident, which could run to millions of pounds.

Below is an indication of what standard costs can be:

Treatment Cost
Standard consultation £25-35
Blood tests £10 - £120 depending on illness (plus charge for vet's time)
Prescribed course of treatment £3 - £70 depending on prescription
Emergency out of hours supplement £30 - £150
Overnight stay £30 - £50
X-rays £45 - £55 per X-ray
Chemotherapy £150 - £5,000 depending on treatment (two months to two years)
Surgery £1,000 - £2,000
MRI scan £1,000 - £2,000

There are a range of factors that could affect your Pet Insurance premium and cover, including:

  • The age of your pet: older pets are more likely to need medical treatment and very young animals may not have a fully developed immune system.
  • Your pet's breed.
  • Where you live: vet prices may vary across the country.
  • Claims on your policy.


You can reduce your premium by:

  • Increasing your excess  (excess options are £60, £80, £100, £140, £250 or £500).
  • If you're choosing a new pet, research which breeds are associated with high premiums.
  • If you have more than one pet, investigate any multi-pet discounts that may be on offer.
  • Keep your pet fit and healthy, including regular check-ups at the vets.
  • Choose the right level of cover and don't be tempted to leave out important details.

Pet Insurance from John Lewis Finance only offers lifetime covers.This means your pet 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.

Cats and dogs, like humans, are more prone to illness as they get older and their likelihood of needing treatment increases. This means your insurance premium will increase each year even if you haven’t made a claim. Your premium will also increase when a claim has been paid.

Once your pet reaches the age of nine, your excess amounts will also go up.

Download, print and complete the claim form (PDF).

You can post it, with your pet's medical history, to:
Pet Insurance from John Lewis Finance
Claims Department
PO BOX 10482
Birmingham
B3 2WX

Find out more about making a claim of your Pet Insurance.

You can choose to pay excess of £60, £80, £100, £140, £250 or £500. This amount is for each condition, for each period of insurance.

For pets aged 9 years or older, the excess is as above or 20% of the treatment costs, whichever is higher.

For Third Party Liability cover (dogs only), £250 excess applies to loss or damage to property.

Note: Increasing your excess may help to reduce your premium.

Call our Customer Services team:

0330 102 2745 or 01422 501 069

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

Dogs and cats, like humans, are more prone to illness and ailments as they get older. Your price will increase at renewal, because of this likelihood and also 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.

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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