Behavioral therapy cover

Lost and stolen cover

Complimentary treatment cover

Emergency dental care cover following an accident


Exclusively for myWaitrose members

Enjoy a £30 e-gift card when you insure your pet with Premier Cover or £20 with Plus Cover.

Simply quote PET15 when you buy and receive your treat within 30 days of your policy starting. Offer available to new customers purchasing before 31 January 2022. T&Cs apply.

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 plus a little gift. How about a cosy new bed or some edible goodies?

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. If they’re going everywhere but the litter tray and your vet suggests some behaviour training, that’s covered too.

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, 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, there is no limit to how much your renewal price can increase over time. For new customers purchasing online. Minimum premiums apply. Discount includes web and partner discounts. Discounts are applied consecutively.

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.

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**
VetfoneTM helpline - 24 hour advice from vetinary 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 £250 up to £250 up to £250
Third party liability (dogs only) up to £1m up to £2m up to £3m
Cattery cover (cats only) up to £1,000 up to £1,500 up to £2,000
Accidental damage - damage to other people's property up to £250 up to £500 up to £750
Lost or stolen up to £500 up to £1,000 up to £1,500
Second pet discount 5% 5% 5%

*Cover forms part of vet fees
**As long as you renew your policy with us and there is no break in cover.

If you have a John Lewis Pet Insurance policy, select the relevant link below to view and print your policy documents.

If your policy number starts with RSAP or you're not yet a customer:


Summary documents


If your policy starts with numbers only, please contact us for documents:

0330 102 2745
Monday to Friday 8am - 8pm, Saturday 9am - 5pm, Sunday closed

Compare our cover

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

Source: John Lewis Finance internet survey 31 March 2021, based on insurer direct websites, excludes optional extras.

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.

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. If a claim is paid, the price you will pay next year can double.

It's important that you budget for renewal prices to increase as your pet gets older, there is no limit to how much your renewal price can increase over time.

 

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 are 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 that 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, age and health. There is no limit to how much your renewal price can increase over time.

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

We’ve carefully selected Royal & Sun Alliance Insurance plc to underwrite
Pet Insurance from John Lewis Finance.

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

myWaitrose gift card offer 2021
1. Offer open to new customer policies only.
2. This offer is not available for policies purchased on financial services comparison websites including GoCompare, Compare the Market, MoneySuperMarket and Confused.
3. my Waitrose members purchasing a new John Lewis Premier Pet Insurance policy in accordance with these terms and conditions before 23:59 on 31 January 2022 will receive a £30 John Lewis Partnership e-gift card.
4. my Waitrose members purchasing a new John Lewis Plus Pet Insurance policy in accordance with these terms and conditions before 23:59 on 31 January 2022 will receive a £20 John Lewis Partnership e-gift card.
5. my Waitrose members purchasing a new John Lewis Essential Pet Insurance policy will not be eligible to receive a John Lewis Partnership e-gift card.
6. This offer is not available in conjunction with any other offer, including Partner discount.
7. To qualify for this offer you must be a registered my Waitrose member and purchase a new John Lewis Plus or Premier Pet Insurance policy before 23:59 on 31 January 2022 quoting the promotional code PET15 in the ‘promotional code’ box online.
8. The £30 or £20 John Lewis Partnership e-gift card will be sent to the policyholder within 30 days of the policy start date, following the 14-day statutory cancellation period.
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 paper gift vouchers or cash.
11. One e-gift card 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 details.
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 plc, 171 Victoria Street, London, SW1E 5NN.


John Lewis Partnership gift cards and e-gift cards terms and conditions
1. You can redeem the John Lewis Partnership gift card or e-gift card in John Lewis & Partners or Waitrose & Partners UK and Channel Island shops. You can also use it to purchase food and drink in our catering units (excludes third-party outlets in John Lewis & Partners shops), and for goods over the telephone or online at johnlewis.com or waitrose.com as part or full payment.
2. The following exclusions apply to use of our gift card and e-gift card: John Lewis & Partners Gift List, third-party restaurants and cafes in John Lewis & Partners shops, John Lewis & Partners Home Solutions, magazine subscriptions, photo printing or software downloads on johnlewis.com, all John Lewis & Partners Optician shops, Waitrose & Partners Cookery School, Waitrose & Partners Leckford Farm Shop, Cafe and Nursery, Waitrose & Partners Rapid, waitroseflorist.com, waitrosecellar.com, waitrosegarden.com; waitrosepet.com; tobacco and tobacco products, postage stamps, scratch cards, lottery tickets, infant milk formula 0-6 months, prescription products, mobile top up, gift cards, e-gift cards, pay cards, car park charges, all petrol stations, Welcome Break shops, UK and Channel Islands only. Other exclusions may apply.
3. You cannot use a gift card or e-gift card to discharge indebtedness in respect of an account card or credit card issued by John Lewis plc, Waitrose Limited or John Lewis Financial Services Limited, nor can you use it for the purchase either directly or indirectly of any financial product or service, including John Lewis Partnership gift cards and e-gift cards.
4. Please protect your card and treat it as cash; we cannot replace lost, stolen or damaged cards.
5. The gift card will expire 24 months from purchase or last use. Buying a product or making a balance enquiry refreshes the 24-month expiry period. We will not refund any balance remaining and we will invalidate the card.
6. Gift cards can be purchased in our shops with a minimum value of £1 (£10 online). Gift cards and e-gift cards have a maximum value of £500.
7. Gift cards and e-gift cards cannot be exchanged for cash. We do not give change or refunds on gift cards or e-gift cards.
8. If you are using a gift card or e-gift card online and the total order value is less than the value of the card, any balance will remain on the card and may be applied to future purchases, provided that the card has not expired.
9. Where goods you have purchased with a gift card or e-gift card in our shops are subsequently exchanged for goods of a lower price or returned, monies owing will be refunded to a gift card.
10. If you return goods you have purchased online using a gift card or e-gift card, we'll credit monies owing to your online shopping account . You may also return goods to any John Lewis & Partners shop where the purchase price will be refunded to a gift card. This does not affect your statutory rights.
11. If you place an order at waitrose.com using a gift card or e-gift card and subsequently cancel the order before delivery, monies owing will be refunded to your gift card or e-gift card. This does not affect your statutory rights.
12. We reserve the right to refuse to accept a gift card or e-gift card which we deem to be tampered with, duplicated or which otherwise is suspected to be affected by fraud.
13. We reserve the right to amend the gift card and e-gift card terms and conditions from time to time, where we consider it reasonable and necessary to do so.

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).