YOU HAVE OUR WORD

Pets don’t know what office hours are, so it’s a bit much to expect them not to become ill outside 9 to 5. That’s why we give you round-the-clock access to the freephone vetfone™ helpline. The moment that tail stops wagging, a fully trained veterinary nurse is only a call away.

We can also support you when it comes to treatment foods, complementary therapies and the cost of looking for a lost or stolen pet. And if they’re going everywhere but the litter tray and your vet suggests some behaviour training, that’s covered too.

SPECIAL REWARD FOR MY JOHN LEWIS MEMBERS

If you’re a my John Lewis member and buy a new policy from us before 31 January 2021, you and your pet are in for a treat. We'll send you a £30 John Lewis and Waitrose e-gift card when you get our Premier Cover and a £20 e-gift card if you take out Plus Cover.

It’s our way of saying thank you for your loyalty, which we value so much. And it’s your chance to give your pet the cover they deserve, as well as a little gift. Wouldn't they love a cosy new bed or some edible goodies? 

All you need to do is quote PET15 when purchasing, register your details within 28 days, and your e-gift card will be with you inside 60 days. T&Cs apply.

WE ALWAYS OFFER LIFETIME COVERS

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 with us and there is no break in cover.

Like us, 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 excess will increase when your pet turns nine, even if you haven't had to make a claim.

Unfortunately, once a pet has been taken ill, in general they're more likely to get ill again. That's 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 is no limit to how much your renewal price can increase over time.

Compare our cover

  John Lewis
PREMIER
Aviva
Platinum
M&S Bank
Premier
SAGA
Super
Vet fees - treatment limit per year up to £12,000 up to £6,500 up to £7,000 up to £5,000
Third party liability
(Dogs only)
up to £3m up to £1m up to £2m up to £2m
Lost or stolen up to £1,500 up to £1,000 up to £1,500 up to £2,000

Source: John Lewis Finance internet survey 24 January 2019, based on insurer direct websites, excludes optional extras.

Caring for your pet

Top FAQs

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:

  • 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. Death from illness cover is not available for any pets aged 9 years and above. Excess will increase when your pet turns 9.

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)
  • Choosing the right cover level.

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 can also increase significantly when a claim has been paid.

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

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 can also increase significantly 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.

Our Partner

† For new customers purchasing online. Minimum premiums apply. Discount is automatically applied when you get a quote.

Pet Insurance - my John Lewis gift card offer:1. Offer open to new customer policies only. 2. my John Lewis members purchasing a new John Lewis Premier Pet Insurance policy in accordance with these terms and conditions before 23:59 on 31 January 2021 can redeem a £30 John Lewis Partnership e-gift card. 3. my John Lewis members purchasing a new John Lewis Plus Pet Insurance policy  in accordance with these terms and conditions before 23:59 on 31 January 2021 can redeem a £20 John Lewis Partnership e-gift card. 4. my John Lewis members purchasing a new John Lewis Essential Pet Insurance policy will not be eligible to redeem a John Lewis Partnership e-gift card. 5. To qualify for this offer you must be a registered my John Lewis member and purchase a new John Lewis Plus or Premier Pet Insurance policy before 23:59 on 31 January 2021 quoting the promotional code PET15. 6. In order to redeem the e-gift card, the customer must register their full name, address, email address, policy number and My John Lewis membership numberonline at https://redeem.johnlewisfinance.com/ within 28 days of the policy purchase date. 7. Without registration no e-gift card will be issued. 8. The £30 or £20 John Lewis Partnership e-gift card will be sent to the policyholder within 60 days of the policy start date, following the 14-day statutory cancellation period, providing the policyholder has registered their details. 9. This offer does not apply to policies cancelled within 14 days of receipt of policy documents. 10. John Lewis Partnership e-gift cards cannot be exchanged for gift vouchers or cash. 11. One offer available per pet. 12. The policy holder’s delivery information will be passed to a third party distribution company for the dispatch of the e-gift card. 13. Terms and conditions apply to the use of John Lewis Partnership e-gift card, see https://www.johnlewis.com/customer-services/prices-and-payment/gift-cards. 14. The Promoter reserves the right to withdraw or amend this offer at any time.15. This offer is not available in conjunction with any other offer, including Partner discount.16. By entering this offer, entrants will be deemed to have accepted and agreed to be bound by these terms and conditions.17. This offer and these terms and conditions are governed by English law and subject to the exclusive jurisdiction of the English courts. The Promoter is John Lewis Financial Services plc, 171 Victoria Street, London, SW1E 5NN.

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).