Lifetime cover
A pet is for life… so is our cover
We know you want the best for your pet — this is why we offer a Lifetime policy. It means we don’t put a limit on how long treatment can last, ensuring your pet can be protected year on year. All you have to do is make sure there are no breaks in cover.
What is lifetime cover?
Lifetime Cover means just that — your pet can be taken care of for life. As long as you renew your policy with us, your pet will be covered for illness or injury. Each policy year you can claim for treatment up to your chosen vet fee amount. You can claim for ongoing conditions like diabetes or arthritis, to one-off mishaps like a cut paw or broken bone. Please keep in mind that we don’t provide cover for pre-existing health conditions.
How does lifetime cover compare to other policies?
Our Lifetime cover offers the same high level of protection as our Time Limited and Max Benefit plans with one key difference: it renews every year, ensuring your pet stays covered for ongoing conditions for life.
Lifetime cover
Provides a fixed amount which resets each policy year when you renew your policy. There’s no limit to the length of treatment, as long as the policy is renewed and there are no breaks in cover.
Maximum benefit
Provides a fixed, one-off amount for each condition your pet suffers… but once it’s gone, that’s it.
Time limited
Offers a fixed sum for each illness or injury. Be aware that pets won’t be covered for a condition after the set period ends or the fixed sum is reached.
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.
Guides and articles
Protecting your dog
Providing cover for kennel stays, dental treatments and third-party liability cover.
Terms, policy limits and exclusions apply.
Protecting your cat
Providing cover for cattery stays, dental treatments and funds to help find them if they’re lost.
Terms, policy limits and exclusions apply.
Frequently asked questions
Is my pet eligible for John Lewis Pet Insurance?
If your cat or dog is at least 8 weeks old, they could be eligible for John Lewis Pet Insurance. For most dogs, the upper age limit is the day before their 8th birthday. For some breeds, however, the upper age limit is the day before their 5th birthday. For cats, the upper age limit is the day before their 10th birthday. Once your cat or dog is insured, cover can continue beyond these upper age limits.
Once you've taken out a policy, you’re not able to claim for vet fees as a result of accidents that happen in the first 3 days or illness within the first 14 days. If you switch to John Lewis Pet Insurance and can show your previous policy runs up to the start date, we can waive the initial exclusion periods for you.
Does pet insurance cover vaccinations?
Pet insurance doesn’t usually cover vaccinations as they are considered to be routine. It’s important to keep your pet’s vaccinations up to date for their own safety. If your pet becomes unwell and needs treatment because they have missed a vaccination, you may not be able to make a claim.
Does pet insurance cover neutering?
No. These routine procedures don’t involve treating your pet for illness or injury, so aren't covered by our policy. However, if your vet recommends neutering/spaying to treat a condition (e.g. Pyometra or testicular tumour), the cost of this can be covered.
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.
vetfone is a brand of Vetsdirect Limited (Company Number: SC230445) of Registered Office: Dickson Minto, 16 Charlotte Square, Edinburgh, EH2 4DF. Vetsdirect are NOT regulated or authorised by the Financial Conduct Authority