Cat Insurance
Passionate about cats? Us too
Explore a lifetime policy for your cat that comes with a range of reassuring benefits:
Lifetime cover*
Choose from six levels of vet-fee cover, up to £12,000
24/7 access to vetfone™ helpline
*When you renew your policy with no break in cover. Terms, policy limits and exclusions apply.
What’s included with John Lewis Cat Insurance?
Cats bring so much joy to our lives, so naturally we want the best care for them. That’s why John Lewis Pet Insurance is only available as a lifetime policy. It’s packed with benefits to help you keep on top of your cat’s health, giving you the freedom to focus on their happiness. You can choose a level of vet fee cover that suits your cat's needs when you get a quote.
Perks for your pet’s well-being
Vet assistance when you need
With vetfone™, gain 24/7 access to veterinary nurses for pet health advice.
Lifetime cover
If your cat develops a long-term illness, they can be taken care of for life just as long as your policy remains with John Lewis and there’s no break in cover.
Dental treatment
With proof of past annual check-ups, your policy provides dental cover up to your chosen vet fee limit¹.
If you are an existing customer, check your policy documents to see if this benefit is included.
Lifetime cover also includes:
Treatment foods
25% off prescribed foods, up to a maximum of 6 months per condition, per policy year - excludes food prescriptions for obesity/weight loss.
We'll take this from your annual vet fee limit.
Cattery fees
You can claim up to £1,500 in cattery fees if you cannot look after your cat due to personal injury or illness that results in a hospital stay for more than 48 hours.
What we don't cover
Pre-existing conditions
We cover new injuries and illnesses, but you're not able to claim vet fees for accidents that happen in the first 3 days, or illness within the first 14 days of your policy (unless you can show that your previous policy runs up to your start date with us).
Outside the EU
Claims for any event outside of the UK, EU, Channel Islands or the Isle of Man aren’t covered.
Cover for your pet, choices for your budget
With 6 levels of vet fee cover and excess options, you can select what best suits your budget.
Choose from 6 cover options
This is the total amount you can claim towards vet bills each policy year.
Choose an excess amount
Choose an excess amount to suit you. The excess is paid once per injury or illness claim in each policy year, even with multiple bills.
Unlimited access to veterinary experts
Worried about your cat’s behaviour or why they're off their food? With your cat insurance, you gain access to vetfone™ and their fully trained team of veterinary specialists.
Save money with a multi-pet discount
Lots of pets in the family? You can add multiple pets to one policy to get a 5% discount on your premium. That means your one cat insurance policy can work for several kittens.
More than one pet
If you own more than one pet then you can get a 5% discount per pet, and you’ll be able to manage all your pet insurance policies in one place.
Cat Insurance FAQs
Is cat insurance worth it?
It’s estimated that there are around 12.5 million pet cats in the UK – that’s a lot of cats. But many of their owners do not have cat insurance. This means they’ll need to pay vet bills when their cat falls ill or has an accident.
John Lewis Cat Insurance is designed to reassure you that you're financially protected if the unexpected happens.
For full details of coverage please review the policy document.
When should I insure my kitten?
Your cover can start when your kitten turns eight weeks old. Taking out cat insurance as early as possible can help you prepare for any unexpected illnesses or injuries.
Does cat insurance include my kitten’s vaccinations?
No, your kitten’s vaccinations are regarded as routine treatments, which aren’t covered under our policy.
It’s important to keep up to date with their vaccinations as they grow. They not only help to keep your cat healthy, but can also save you from future treatment costs. Illnesses that can be prevented by vaccinations are not covered if your pet is not up to date with their vaccinations.
Does cat insurance include neutering or spaying?
No, your cat’s insurance is there to help when injury or illness happens unexpectedly. Procedures like neutering or spaying are considered routine.
What are common health conditions for cats?
Cats are vulnerable to illness, just like us or any other animal. Naturally, certain breeds are predisposed to specific conditions. Old age can also bring different challenges, like thyroid and kidney issues.
Understanding these realities is why John Lewis Pet Insurance offers lifetime cover. That means the length of treatment your cat receives won't be limited, as long as your policy remains with John Lewis and there’s no break in cover.
1The cost of treatment for a dental condition and any related conditions are covered, so long as:
There is a history of annual check-ups. If not annual, then as recommended by your vet. Proof is required that any advice given has been followed within 6 months; and
The treatment is to relieve suffering due to illness.
The cost of dental treatment as a result of an accidental injury.
For more details, policy documents.
John Lewis Money and John Lewis Finance are trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (Registered company number: 233462).
John Lewis Plc is an introducer appointed representative of Pinnacle Insurance Ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH. John Lewis Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance Ltd. John Lewis Plc and Pinnacle Insurance Ltd are not part of the same corporate group.