What is Lifetime Cover?

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.

Pet insurance from John Lewis only offers Lifetime cover. This means, if you’re insured with us, you could claim for a one-off mishap such as a cut paw or an illness such as diabetes which needs treatment every year, or both.

As long as you renew your policy each year and there is no break in cover, we won’t put a time limit on how long treatment can last and we’ll pay up to your chosen vet fees limit each year. This means if your pet develops a reoccurring or ongoing condition like diabetes or arthritis while insured with us, you can continue to claim for that condition up to the vet fee limit in each year.

We offer six levels of Lifetime cover. These are based on vet fees each year of up to £2,000, £3,000, £5,000, £7,500, £9,000 or £12,000.

Your price may increase at renewal, because as your pet gets older they’re more likely to get ill, and also when a claim has been paid. New developments in diagnosis and treatments mean vets can provide even better care but this also means that vet costs have risen.

If your pet is aged 9 years or over, you will pay an Age 9 co-payment of 20% of the rest of the vet’s treatment costs, in addition to your chosen standard excess.

Cover levels

Vet fees - treatment limit per year* Up to chosen vet fee limit
Lifetime cover*
vetfoneTM helpline - 24 hour advice from veterinary 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

Top FAQs

We provide cover for dogs and cats from eight weeks old, and there is no upper age limit. However, 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:

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

Any breeds not on our breed list unless you have spoken to us and we have agreed to provide cover

*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. For pets aged 9 years or over, you will pay an Age 9 co-payment of 20% of the rest of the vet’s treatment costs, and your pet will not be covered for death from illness.

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

For Pet Insurance with vet fee cover of £2,000 and £3,000 you can choose a standard excess of £60, £80, £100, £140 or £250 for each accident or illness in each period of insurance. 

For Pet Insurance with vet fee cover of £5,000, £7,500, £9,000 and £12,000 you can choose a standard excess of £60, £80, £100, £140, £250 or £500 for each accident or illness in each period of insurance.

For pets aged under 9, you can choose to pay a voluntary co-payment of 10% or 20% towards the rest of the vet treatment costs, in addition to your chosen standard excess, to reduce the price you pay.

Lowering your vet fee limit to another vet fee limit which meets your needs, to reduce the price you pay.

 

For Pet Insurance with vet fee cover of £2,000 and £3,000 you can choose a standard excess of £60, £80, £100, £140 or £250 for each accident or illness in each period of insurance. 

For Pet Insurance with vet fee cover of £5,000, £7,500, £9,000 and £12,000 you can choose a standard excess of £60, £80, £100, £140, £250 or £500 for each accident or illness in each period of insurance.

For pets aged under 9, you can choose to pay a voluntary co-payment of 10% or 20% towards the rest of the vet treatment costs, in addition to your chosen standard excess.

For pets aged 9 years or over, you will pay an Age 9 co-payment of 20% of the rest of the vet’s treatment costs, in addition to your chosen standard excess.

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

Please note, increasing your excess may help to reduce your premium. However, it also increases the amount you pay towards a claim.

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.

For pets aged 9 years or over, you will pay an Age 9 co-payment of 20% of the rest of the vet’s treatment costs, in addition to your chosen standard excess. 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.


Our partner

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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