There are different types of pet insurance available. Some cap the total amount you can claim for each condition, others limit you to a year of treatment for a condition.
Pet Insurance from John Lewis Finance 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, or both.
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.
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
With Lifetime Cover for vet fees, emergency dental care (needed due to an injury) and third-party liability if your dog causes damage to others, we can help protect both you and your best friend.
From emergency dental care (needed due to an injury) and cattery fees to lifetime treatment of ongoing conditions, our cover for cats helps keep them as happy as they make you.
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 for Illness cover is not available for any pets aged 9 years and above.
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.
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)
