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
Additionally, we don't offer cover for:
American bulldog and other breeds which are not on our breed list
Wolf or wolf hybrid
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 for 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:
|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
Our Pet Insurance only offers Lifetime Cover. This means, if you're insured with us and your premiums are paid, you could claim for a one-off mishap such as a cut paw, or an illness such as diabetes which needs treatment every year.
We offer three levels of cover, so you can choose the level of veterinary fees you'll have to use for the treatment your pet needs. If your policy is renewed every year, we won't put a time limit on how long treatment can last and we'll pay up to your chosen vet fee limit each year that you need it.
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.
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).
John Lewis Finance and John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (Registered Company Number 233462). John Lewis plc is an appointed representative of a panel of carefully chosen insurers to offer a full range of insurance products and services via John Lewis Insurance (Financial Conduct Authority number 416011). Calls may be recorded and monitored.