When you're choosing pet Insurance, look carefully at the type of cover offered. Some policies may appear cheap, but if your pet gets a long-term illness you might not be covered.
- Time limited cover lets you claim up to a certain amount for each condition and is covered for 12 months, usually from the date of diagnosis. If your pet's condition costs more than the limit or lasts longer than 12 months, your cover will end.
- Individual condition cover lets you claim up to a certain amount for each condition. A long-term condition may well go over this limit.
- Long-term cover means that you can claim up to a certain amount each year and there is no time limit on how long a vet fee claim can last. John Lewis Pet Insurance offers you this type of cover, as long as your premiums are paid and the policy is renewed each year.
Cover for older pets
Some companies have an upper age limit on new policies – typically 9-10 years for a dog. This may make it more difficult to insure pets that come from rescue centres. John Lewis Pet Insurance covers your pet’s vet fees from eight weeks old and has no upper age limit.
It's a good idea to insure your pet from an early age. If you insure your pet when it's older and has pre-existing medical conditions, you’re unlikely to get cover for those conditions.
Taking a pet abroad
You can take your pet abroad and they won’t need to spend time in quarantine if you’re visiting a country that's included in the Pet Travel Scheme (as long as you follow all the relevant rules).
While some companies offer travel cover as an optional extra, John Lewis Pet Insurance covers it as standard as part of our Plus and Premier Cover levels.
Injuries, accidents or damage caused by your dog
If your dog causes an accident, injures other people or damages their property, you could be responsible for any expenses. This is why your policy should include third party liability cover as standard.
John Lewis Pet Insurance covers you for up to £3 million in case of accidents and personal injuries caused by your dog.
Does your cover include full customer support?
When choosing a pet insurance policy it's important that you select one that comes with excellent customer service. When you’re faced with the stress and expense of an ill pet, you need to know that your insurance provider will do everything they can to support you.
To help keep things simple, John Lewis Pet Insurance can pay your vet directly, rather than into your own account (provided your vet is set up to receive our payments).
