Cat Insurance
Passionate about cats? Us too
Explore a lifetime policy for your cat that comes with a range of reassuring benefits:
97% of claims are settled within 5 days (average claims data from July 2024 to June 2025.)
Lifetime cover with no upper age limit¹
Choose from six levels of vet fee cover
¹When you renew your policy with no break in cover. Death from illness is not covered for pets aged 9 or older.
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.¹
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.
Enjoy these benefits
Annual online health checks
From home, or wherever you choose. You can schedule an annual consultation with a veterinary specialist at vetfone™. It’s a convenient service that complements your in-person vet check-ups.
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.
24/7 vetfone™ helpline
Got a question about your cat's health or behaviour? For expert advice call the vetfone™ helpline. It comes as part of your policy and you can use the service as often as you want.
Dental treatment
John Lewis comprehensive cat insurance provides cover for accidental dental care and illness. This includes tooth decay, gum disease and post-illness teeth removal.²
If you are an existing customer, check your policy documents to see if this benefit is included.
Lifetime cover also includes:
Quick and easy online claims
97% of all Pet Insurance claims through John Lewis are settled within 5 days (average claims data from July 2024 to June 2025). Choose whether claims payments go directly to you or, if they agree, to your vet. Whichever works best. Excess applies.
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.
Help to find them
If your cat is ever lost or stolen, your policy can cover up to £300 for advertising to help you find them. And if they can’t be found, your policy can cover the cost of their purchase or donation, up to £1,500.
What we don't cover
Want to know more? You'll find full details in our policy documents section.
Pre-existing conditions
We cover new injuries and illnesses, but not anything that occurred, or first showed signs, before your policy started.
The first 48 hours
Accidents and injuries in the first 48 hours after your policy starts aren’t covered.
Changes in the first 14 days
Illnesses in the first 14 days after your policy starts aren’t covered.
Cover for your pet, choices for your budget
With 6 levels of vet fee cover and excess options, you can make sure you get the right cover for your furry loved one.
Choose from 6 cover options
This is the total amount you can claim towards vet bills each year.
Choose from 6 excess options
You’ll pay this once for every injury or illness claim in each insurance period, even with multiple bills.
How pet age affects your insurance
Pet aged under 9?
You don’t need to make a co-payment. But, you can reduce your premium by choosing to pay 10% or 20% of vet treatment costs. This is for each injury or illness during the policy year, on top of your chosen excess.
Pet aged 9 or over?
You’ll need to pay 20% of the remaining vet treatment costs, on top of your excess.
Top tips for new cat owners
We have put together a series of guides to help you care for your new cat at all stages of their life.
Flea and tick prevention
Fleas and ticks can be a real pain for both you and your pet. Find out how to prevent them.
Neutering your pet
Thinking of neutering your pet? Our guide answers some of the questions you may have.
Lifetime cover
Keep your policy with us - so there’s no break in cover and benefit from all the perks of our insurance for your pet’s whole life.
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 10% discount on your premium. That means your one cat insurance policy can work for several cats.
Multi-pet insurance
If you own more than one pet, a multi-pet insurance policy could benefit you
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 getting sick just like us or any other animal. Old age brings the kinds of challenges you’d expect, like thyroid and kidney issues.
Understanding these realities is why John Lewis Pet Insurance only offers lifetime cover. 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.
Our pet insurance provider
Brought to you through our pet insurance provider, Royal & Sun Alliance Insurance Ltd.
¹When you renew your policy with no break in cover. Death from illness is not covered for pets aged 9 or older.
²For dental care up to your chosen vet fee limit we will pay;
1. For teeth or gums damaged in an accident,
2. If an underlying illness causes tooth decay or gum disease, or
3. To remove teeth as treatment of an illness which is not gum disease or tooth decay.
If your pet has a dental check every 12 months: once it has had its first check and your vet has done any necessary work, additionally we will pay;
1. If your pet suffers from tooth decay or gum disease before the next 12 month check.
2. If tooth decay or gum disease is found at the time of the next check.
John Lewis Money, John Lewis Finance and John Lewis Insurance 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 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).