We treat them like family,
because they are

Caring for a pet means caring for them for life, that's why we offer three levels of cover, all with lifetime protection. As long as your pet is insured with us, you can claim for both one-off mishaps and for life-long conditions that need treatment year after year, because we know there's nothing more important than family.

It was straightforward and very reasonably priced.

Bazza, North East


Help protect your pet for life, with no limit to how long treatment can last.

No upper
age limits

And we can accept your cat or dog from eight weeks old.

Freephone vetfone™

The reassurance of 24-hour support from fully trained veterinary nurses.

The benefits of buying Pet Insurance
from John Lewis just add up

Every time you spend with the Partnership Card, you'll earn points towards vouchers to spend at John Lewis and Waitrose, and you’ll earn more when you purchase from us. Use your card to buy any of our insurance policies or foreign currencies, and we’ll credit you with 5 points for every £4 you spend. Find out more about Partnership Card benefits.

Articles and Guides


If your pet becomes ill, with our Pet Insurance you can call vetfone™ - a telephone service that allows you to speak to UK qualified veterinary nurses 24 hours a day, 365 days a year.

Things to consider

Pet Insurance helps with the cost of your pet’s healthcare and wellbeing, and protects you from unexpected vet bills.


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
  • 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 from illness cover is not available for any pets aged 9 years and above.

Pet Insurance helps protect you from unexpected vet bills and will usually pay for things like consultations, treatments, complementary therapies and even some treatmen t foods.

Paying a small amount each month for vet cover could mean you’re protected from these expenses, while your pet is taken care of.

You could choose to save money each month to fund any future vet bills, but with vet bills potentially running into thousands of pounds, you run the risk of your savings falling short of the amount needed.

If you are a dog owner you may also want to consider the legal costs or damages you may be liable to pay if your dog causes injury or an accident, which could run to millions of pounds.

Below is an indication of what standard costs can be:

Treatment Essential
Standard consultation £25-35
Blood tests £10 - £120 depending on illness (plus charge for vet's time)
Prescribed course of treatment £3 - £70 depending on prescription
Emergency out of hours supplement £30 - £150
Overnight stay £30 - £50
X-rays £45 - £55 per X-ray
Chemotherapy £150 - £5,000 depending on treatment (two months to two years)
Surgery £1,000 - £2,000
MRI scan £1,000 - £2,000

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).
  • If you're choosing a new pet, research which breeds are associated with high premiums.
  • If you have more than one pet, investigate any multi-pet discounts that may be on offer.
  • Keep your pet fit and healthy, including regular check-ups at the vets.
  • Choose the right level of cover and don't be tempted to leave out important details.

As your pet gets older they’re more likely to become ill, so the price of your insurance rises at renewal. New developments in diagnosis and treatments mean vets provide even better care. This comes at a cost, so we have to account for the rise in vet fees.

If you decide to change your insurer, you might find it difficult to find cover for any conditions your pet previously or currently has. Rest assured, you’ll be covered up to your chosen vet fee limit each year for as long as you keep your policy with us. If your pet is aged nine or over, you will be asked to pay extra excess when making a claim.

Our Partner

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

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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