A pet is for life…so is our cover

We know you want the best for your pet - this is why we only offer a Lifetime policy. It means we don’t put a limit on how long treatment can last, ensuring your pet can be protected year on year, as long as there are no breaks in cover. 

What is Lifetime Cover?

Lifetime Cover means just that – your pet can be taken care of for life.  

As long as your policy remains with us, your pet will be covered for illness or injury. Each year you can claim for treatment up to your chosen Vet Fee amount, from ongoing conditions like diabetes or arthritis, to one-off mishaps like a cut paw or broken bone. 

How does Lifetime Cover compare to other policies?

Lifetime Cover provides a fixed amount, which resets each year when you renew your policy. There's no limit to the length of treatment, as long as the policy is renewed and there are no breaks in cover.

Maximum Benefit provides a fixed, one-off amount for each condition your pet suffers…but once it’s gone, that’s it.

Time-Limited offers a fixed sum for each illness or injury, but after the set period ends or the fixed sum is reached, your pet won’t be covered for that condition any longer.


A Lifetime policy offers more comprehensive cover than Maximum Benefit or Time-Limited, as you’re able to claim for treatment each year that you have your policy up to your chosen Vet Fee amount. 

That’s why it’s the only cover we offer!

One simple product, flexible where you need it most

We understand that every owner’s situation is different, but this shouldn’t affect the quality of care your pet has access to. With us, you have the flexibility to choose your level of Vet Fee cover, while still receiving our full range of benefits.

With six levels of Vet Fee cover options available:

Plus, we offer excess options to suit your budget, helping you reduce your premium costs without any loss of cover:

  • Increasing your excess on claims - you can choose an excess of £60, £80, £100, £140 or £250 (or £500 for Vet Fee levels of £5,000 and above) for the treatment of an accident or illness in each policy year. By electing to pay more when you claim, it enables us to bring your premium down.

  • Contributing to your Vet Fees - if your pet is under 9 years-old, there is a voluntary option to pay either 10% or 20% towards the rest of the vet treatment costs, in addition to your chosen excess amount, which can reduce the cost of your premium payments.

Protecting your dog 

Providing cover for kennel stays, dental treatments and third-party liability cover up to £2m.

Protecting your cat

Providing cover for cattery stays, dental treatments and funds to help find them if they’re lost.

What our customers say

"Very easy to understand and get the right amount of cover needed. Many levels to choose from too. Received an in-depth policy document that is easy to understand and clear what is and isn’t covered."

Georgina, Trustpilot, March 2023

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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