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Why choose John Lewis Pet Insurance?

Find the right protection for your pet and your budget

Pet insurance helps protect you from unexpected vet bills. It will usually pay for things like consultations, treatments, complementary therapies and even some special diets.

Each year more advanced tests and comprehensive treatments become available from vets. This is good news for our valued pets, but it does mean that the cost of caring for cats and dogs is rising.

Paying a small amount each month for insurance could mean you could be protected from these expenses, while your pet is taken care of.

John Lewis Pet Insurance

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Three levels of cover to suit your pet's needs and your budget

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We only offer Long Term Cover for complete peace of mind

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There are no upper age limits on our policies for vet fees and we can accept your cat or dog from eight weeks old*

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If you choose, we can pay your vet directly, as long as they are set up for payments

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Knowledgeable and friendly service

* You will not be able to claim for vet fees as a result of an accident in the first 48 hours of cover, or for any changes in your pet's health or behaviour in the first 14 days of cover. Death From Illness Cover is not available for any pet aged 9 years or above.

Any questions?
Please call us on
0800 316 5900

Find the right protection for your pet

All three of our cover levels offer Long Term Cover for your pet.

This means, if you're insured with us and your premiums are paid, you could claim for a one-off mishap such as a cut paw and an illlness such as diabetes, which needs treatment each year.

We offer three levels of cover so you can choose the level of veterinary fees you'll have to use for the treatment your pet needs. If your policy is renewed every year, we won't put a time limit on how long treatment can last and we'll pay up to your chosen vet fee limit each year they need it.

This is different to time limited policies, which consider ongoing conditions as pre-existing after the first year of treatment.

Third Party Liability is important for dog owners as you may be held responsible for expensive damages or legal costs if your dog causes injury or an accident.

Cover levels

Essential Cover

Our Essential Cover includes:

  • Up to £3,000 per year for vet fees
  • Up to £1m Third Party Liability (dogs only)
  • £500 Boarding Kennel and Cattery fees
  • 24 hour vetfone advice line included
Plus Cover

Our Plus Cover includes:

  • Up to £7,500 per year for vet fees
  • Up to £2m Third Party Liability (dogs only)
  • £1000 Boarding Kennel and Cattery fees
  • 24 hour vetfone advice line included

Premier Cover

Our Premier Cover includes:

  • Up to £12,000 per year for vet fees
  • Up to £3m Third Party Liability (dogs only)
  • £2,000 Boarding Kennel and Cattery fees
  • 24 hour vetfone advice line included
Any questions?
Please call us on
0800 316 5900

We've answered some of the most common questions about Pet Insurance.

Do I need Pet Insurance?

Pet Insurance helps protect you from unexpected vet bills. It will usually pay for things like consultations, treatments, complementary therapies and even some special diets. Paying a small amount each month for vet cover could mean you’re protected from these expenses, while your pet is taken care of.

Some pet owners choose to self fund vet fees, this means they save money each month to fund future vet bills. However, with vet bills potentially running into thousands of pounds, owners who self fund run the risk of their savings falling short of their bills.

Dog owners should also think about the legal costs or damages they may be liable to pay if their dog causes injury or an accident. This could run to millions of pounds.

Why does John Lewis only offer Long Term Cover?

Long Term Cover allows owners to claim for ongoing conditions. There is no limit to how long treatment can last and we'll pay up to your chosen vet fee limit each year, as long as we can continue to offer cover, your premiums are paid and the policy is renewed each year.

What are the alternatives?

Accident Only Cover would provide cover in the event of an accident, but would not cover vet fees for illness.

Time Limited Cover allows you to claim for a condition for a set period of time. After that, the condition is considered to be pre-existing and you could no longer claim for it.

Maximum Benefit Cover allows you to claim up to a certain amount for each condition, once this amount has been reached, you could no longer claim for this condition.

How is my premium calculated?

There are a range of factors that could affect your premium and cover:

  • The age of your pet: older pets are more likely to need medical treatment and very young animals may not have a fully developed immune system.
  • You pet's breed: pedigrees can be more likely to need treatments.
  • Where you live: vet prices may vary across the country.

Why are pet insurance premiums rising?

We all the want the best for our pets and with no pet NHS, the cost of visits to the vet must be covered by the owner or their insurer. As the veterinary profession improves diagnoses and treatments, more complex options have become available to customers. Tests and scans have become more high-tech, while procedures which were not available a few years ago are now routine. This means the treatments available to our valued pets are better, but they are also more expensive. (Mintel Report "Pet Insurance - UK", September 2013).

What can I do to reduce my premiums?

  • Neutering, micro-chipping and vaccinating may help to reduce premiums and ensure your pet stays covered.
  • Increasing your excess may help to reduce your premium.
  • If you're choosing a new pet, research which breeds are associated with high premiums.
  • If you have more than one pet, investigate any multi-pet discounts your insurer may offer.
  • Keep your pet fit and healthy.
  • Choose the right level of cover and don't be tempted to leave out important details.

How can I pay for my policy?

We offer customer a choice of payment methods. You can either pay for the full amount with a credit or debit card or you can pay by setting up a Monthly Direct Debit. We don't charge any interest for paying monthly.

Do I get a discount if I insure more than one pet with you?

Yes, we offer a 5% discount when you insure more than one cat or dog with us.

Read more about our customer's experiences.

Mr Godbolt

John Lewis Home Insurance

This is the kind of story I read on websites and find unbelievable, but it happened to me. Over three days, I found myself dealing with my elderly mother’s insurance company when she was burgled, my wife's car insurer when her car was crashed into and then my motorbike insurer (following it's theft), combined with John Lewis Home Insurance for the bike pannier contents.

Quotation MarksBy far John Lewis excelled in every area of the customer experience.Quotation Marks

I had an uninvited opportunity to directly compare how four insurance companies handled claims.

By far John Lewis excelled in every area of the customer experience. Courteous, knowledgeable, responsive and quick to both make decisions and to communicate them. I bought their Home Insurance and their performance has guaranteed my car policies. I now realise that the real test as to how good your insurer is in how they manage your claim.


Mr Ritchie

John Lewis Home Insurance

I switched to John Lewis Home Insurance as my previous insurer kept jacking up the premiums. When my mountain bike was stolen I didn’t think I’d recover its full value as it was four years old. The claim handler at John Lewis Insurance was a cycling expert and was very efficient and knowledgeable - he took me through the options and helped me find this year’s equivalent bike from the same manufacturer.

Quotation MarksI have recommended John Lewis insurance to anyone that will listen ever since.Quotation Marks

I was even able to upgrade to a better model and just pay the difference - though this was not mandatory! All the accessories: lock, lights, panniers etc were replaced for brand new equivalent (or better) parts. The whole process from theft to delivery of the new bike took less than a fortnight and transformed what would have been a terrible situation.

I have recommended John Lewis insurance to anyone that will listen ever since.


Mr and Mrs Whiting

John Lewis Wedding Insurance

My wife and I were looking forward to our wedding and had all of our venues and necessities booked way in advance. Then disaster struck 19 days before our wedding day. The business responsible for our entire wedding reception had ceased trading. I am just thankful that we decided to take out John Lewis Wedding Insurance.

Quotation MarksWhat impressed me most about John Lewis is that they seemed to genuinely care.Quotation Marks

We were able to speak to someone out of normal working hours the night we found out and within one week our claim had been approved and after another week we received our payment to cover our expenses and pay our new wedding reception providers.

This was no small task - not only did we need to find and pay for a new reception venue but what we lost was a package which included the DJ, Food/Drink, Bouncy Castle, Balloons and photographer! All of which needed to be booked with other businesses and all of which John Lewis were willing to pay for as part of our claim.

What impressed me most about John Lewis is that they seemed to genuinely care about our needs.

Without the help of John Lewis our wedding would not have happened and considering how little I paid to take out this insurance in comparison to how much we had to claim I consider it one of the worthiest investments I have ever made. The decision to add this slight addition to your budget could be the most important - it certainly was in our case.


Mr Annis

John Lewis Travel Insurance

Whilst in the water section of a supermarket in Portugal, a group of three girls approached me and asked for my help lifting a heavy bottle down from a high shelf. While I was trying to read the labels of several bottles high up one girl obscured me from seeing her friends steal from my bag, which was in the trolley just behind me.

Quotation MarksWe trust in the name
John Lewis.Quotation Marks

I was carrying water so did not notice the missing camera until I was back at the hotel. Immediately I rushed as fast as a man of 75 years can, back to the store and insisted the manager call the police. The policeman was most helpful and they gave me a copy of the paper work for my John Lewis Travel Insurance claim.

The John Lewis Partners were extremely pleasant and facilitated everything very quickly. One of the reasons I went with John Lewis is because I buy most major items from your store (as does my family) and we trust in the name John Lewis.

Customer feedback updated March 2014. If you'd like to tell us about your claims experience, feedback here.


What is Long Term Cover?

There are different types of pet insurance available. Some cap the total amount you can claim for each condition, others limit you to a year of treatment for a condition.

John Lewis only offers Long Term Cover. This means, if you're insured with us and your premiums are paid, you could claim for a one-off mishap such as a cut paw or an illness such as diabetes which needs treatment every year, or both.

We offer three levels of cover so you can choose the level of veterinary fees you'll have to use for the treatment your pet needs. If your policy is renewed every year, we won't put a time limit on how long treatment can last and we'll pay up to your chosen vet fee limit each year that you need it.

Find out more: Pet Insurance FAQs

RSA logo

We have carefully selected Royal & Sun Alliance Insurance plc to underwrite John Lewis Pet Insurance.

Terms, conditions, limitations, exclusions and eligibility criteria apply. 

John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (No. 233462). John Lewis plc is an appointed representative of Royal & Sun Alliance Insurance plc. John Lewis Pet Insurance is underwritten by Royal & Sun Alliance Insurance plc (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). Calls may be recorded and monitored.