Dog Insurance
Passionate about dogs? Us too
Explore a lifetime policy for your dog 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 Dog Insurance?
Dogs 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 pet’s health, giving you the freedom to focus on their happiness. You can choose a level of vet fee cover that suits your dog'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 dog 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.¹
24/7 vetfone™ helpline
Got a question about your dog'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 dog 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.
Kennel fees
You can claim up to £1,500 in kennel fees if you cannot look after your dog due to personal injury or illness that results in a hospital stay.
Third party liability cover
Cover for legal costs or damages you may be liable to pay if your dog causes an accident or injury.
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 dog owners
Flea and tick prevention
Fleas and ticks can be a real pain for both you and your pet. Find out how to prevent them.
Dog breeds - Jack Russells
Our guides on dog breeds may help you to pick the ideal canine companion. Here, we meet Jack Russells.
Neutering your pet
Thinking of neutering your pet? Our guide answers some of the questions you may have.
Unlimited access to veterinary experts
Worried about your dog’s behaviour or why they’re off their food? With your dog 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 dog insurance policy can work for several pups.
Multi-pet insurance
If you own more than one pet, a multi-pet insurance policy could benefit you
Dog Insurance FAQs
When should I insure my puppy?
Your cover can start when your puppy turns eight weeks old. Taking out dog insurance as early as possible can help you prepare for any unexpected illnesses or injuries.
Does dog insurance include my puppy’s vaccinations?
No, your puppy’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 dog’s health and comfort, but also save you from future treatment costs. We can’t cover illnesses that can be prevented by vaccinations, if your pet is not up to date with their vaccinations.
Does dog insurance include neutering or spaying?
No, your dog’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 dogs?
Dogs 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 arthritis and cataracts.
These realities are why you can only get lifetime cover with John Lewis Pet Insurance. That means the length of treatment your dog receives won’t be limited, as long as your policy remains with John Lewis and there’s no break in cover.
Will I pay more when my dog gets older?
With lifetime cover¹ , your dog will be covered for ongoing conditions, as well as one-off mishaps. Like most things, the cost of this is likely to increase over time.
The cost of looking after your dog's health can increase over time. According to the Association of British Insurers (abi.org.uk) one of the reasons for this is the increasing cost of vet treatment. To keep giving them the care they need, it’s normal to expect the cost of your premium to increase as your dog ages.
How much your premium goes up depends on various factors, including your dog’s breed, age and health. Changing insurers could leave you out of pocket if your new policy doesn’t cover any pre-existing conditions that your pet may already have.
A pre-existing condition is a health issue, concern, illness or injury that your dog has developed, or is showing signs of. If you or your vet are aware of this condition before you take out a new policy, it may not be covered.
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).