Pet Insurance from
John Lewis Finance

Helps with the cost of your pet's healthcare and wellbeing
and protects you from unexpected vet bills.

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

Your insurance will usually pay for things like trips to the vet, X-rays, surgical procedures, medication and treatments. Some policies may even cover complementary therapies such as hydrotherapy and treatment foods.

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

If your dog causes an accident, injures other people or damages their property, you could be responsible for any expenses. This is why your policy should include third party liability cover as standard. Pet Insurance from John Lewis Finance covers you for up to £3 million (Premier cover) in case of accidents and personal injuries caused by your dog.

Although pet insurance may seem like an unnecessary expense in the short term, you should consider how much your pet could cost you throughout its life.

Before choosing pet insurance, consider how much standard vet bills are in your area, and what estimated costs you could incur for the routine care of your pet.

Vet bills vary greatly across the UK and you could be charged more if your pet needs treatment on a weekend or out of hours.


Here’s an indication of what standard costs can be:

Treatment Costs
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



These are approximate costs for single treatments. However one accident, such as your pet being hit by a car, could result in injuries which require treatment over a long period of time.

Consider the following questions:

Do I live in an area where my pet may be exposed to particular risks, like busy roads?

If my pet is a pedigree, will he or she have specific health needs?

If you have a pedigree dog or cat, you can use standard pet insurance but you might need a higher level of cover as pedigree breeds can be prone to specific illnesses. Question your breeder about your pet’s pedigree and origins to make sure they’ve been screened for inherited diseases.

How much cover do I need?

We offer three levels of cover for vet’s fees: £3,000, £7,500, and £12,000 per year.

This may sound like a lot of money but vet bills soon mount up if your pet needs ongoing treatment for common problems like diabetes or poor eyesight, or serious diseases like cancer.

We also cover complementary therapy such as chiropractic manipulation, osteopathy, physiotherapy and hydrotherapy treatments for insured conditions carried out by a vet or on the recommendation of a vet.

We can often pay your vet directly so you don’t need to worry about paying up front for treatment. If you have our pet insurance, your vet will also be able to refer your pet to a specialist immediately, without delays over payment.

Some companies have an upper age limit on new policies – typically 9-10 years for a dog. This may make it more difficult to insure older pets.

Pet Insurance from John Lewis Finance covers your pet’s vet fees from eight weeks old and has no upper age limit.

It's a good idea to insure your pet from an early age. If you insure your pet when it's older and has pre-existing medical conditions, you’re unlikely to get cover for those conditions.

You can take your pet abroad and they won’t need to spend time in quarantine if you’re visiting a country that's included in the Pet Travel Scheme (as long as you follow all the relevant rules).

While some companies offer travel cover as an optional extra, Pet Insurance from John Lewis Finance offers cover abroad as standard for Plus and Premier Cover levels.

Pet Insurance covers a lot more than just vet’s fees, but some insurers may charge extra for add-ons. It's worth double checking that you are comparing like-for-like cover when you compare insurance policies.

Our Pet Insurance policy covers the following treatments for your pet:

  • Physiotherapy
  • Hydrotherapy
  • Dental care
  • Behavioural treatment
  • Treatment food

Other extras include emergency kennels and cattery care for your pets if you have to go into hospital.

Most policies don't cover routine check-ups and treatment for pre-existing medical conditions. You need to check your policy carefully to see what exclusions it might contain.

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.

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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