Lifetime cover
A pet is for life… so is our cover
We know you want the best for your pet - this is why we only 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, as long as 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 your policy remains with us, your pet will be covered for illness or injury. Each year you can claim for treatment up to your chosen Vet Fee amount, from ongoing conditions like diabetes or arthritis, to one-off mishaps like a cut paw or broken bone.
How does lifetime cover compare to other policies?
A lifetime policy offers more comprehensive cover than maximum benefit or time-limited. You’re able to claim for treatment each year that you have your policy up to your chosen Vet Fee amount. That’s why it’s the only cover we offer!
Lifetime cover
Provides a fixed amount, which resets each 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, but after the set period ends or the fixed sum is reached, your pet won’t be covered for that condition any longer.
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.
Protecting your pet
Protecting your dog
Providing cover for kennel stays, dental treatments and third-party liability cover up to £2m.
Protecting your cat
Providing cover for cattery stays, dental treatments and funds to help find them if they’re lost.
Our partner
Royal & Sun Alliance Insurance Ltd have been carefully selected to underwrite Pet Insurance from John Lewis.
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).