Pet Insurance cover levels

All three of our cover levels offer Long Term Cover. Unlike annual policies, which consider ongoing conditions as pre-existing after the first year of treatment, Long Term Cover will cover your pet up to the chosen policy limit, each year they need treatment, for the full length of their condition.* This is most comprehensive cover available for your pet.

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.

*As long as you're insured with us, your premiums are paid and the illness is covered by your policy.

Essential Plus Premier
Vets fees up to
Treatment limit per year
£3,000 £7,500 £12,000
Treatment period Each year Each year Each year
Dental Care
Treatment limit per year
£3,000 £7,500 £12,000
Accidental damage
Damage to other people's property
£250 £500 £750
Complementary Treatment
such as Physiotherapy
£500 £1,000 £2,000
Free vetfone helpline
24 hour advice from veterinary nurses
included included included
Stolen or lost pets up to £500 £1,000 £1,500
Death from illness up to £500 £1,000 £1,500
Death from accident up to £500 £1,000 £1,500
Treatment food up to £250 £250 £250
Holiday Cancellation no £3,000 £3,000
Third party liability (dogs only) up to £1m £2m £3m
Advertising and reward up to £500 £750 £1,000

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.