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Your Pet Insurance policy - a quick guide

Thank you for choosing John Lewis Pet Insurance.

This handy guide will give you an idea of the support and help you can expect from us once you've taken out a policy. Plus, helpful tips on keeping your pet safe and healthy, as well as ways to avoid behavioural problems.

If you have any questions about your policy you can call us on 0845 610 0302 – we’re here to help.

For full information about your policy, please refer to your policy document (PDF).

Click here for more information about how to make a claim

Select a heading below to read our tips and advice, or if you'd like to print the whole of this quick guide,
click here to open a PDF.

 

Health

As a pet owner you’ll want to keep your pet fit and healthy. It’s far better to prevent health problems than it is to cure them. Often there are warning signs and it’s important that you’re able to recognise these. It’s best to act on them as soon as you can by seeking help from your vet. Here are some ways to keep your pet healthy.


Visiting the vet

After an initial consultation, your vet will be able to advise you on the right vaccinations for your pet – most vets will provide an initial vaccination between 9-12 weeks, with a booster two weeks later.


Your vet will also:

  • give your pet a thorough examination paying particular attention to their paws, coat, eyes, nose and mouth.
  • advise you on a suitable worming technique.


Did you know that if your pet develops diabetes it could cost you in excess of £6,200?* With John Lewis Pet Insurance you can claim up to £10,000 per year if your pet falls ill or is injured. Please see your policy schedule for your chosen level of cover.


Good Health

If you examine your pet regularly you can usually spot potential health problems before they become too serious.

  • Nose – A healthy nose should be cold and damp without any discharge.
  • Coat – The coat should be in good condition, it should be glossy and pleasant to touch.
  • Ears – They should be responsive to all sounds and should be clean with no visible wax or unpleasant smell.
  • Teeth – Healthy teeth should be white and smooth.
  • Claws – Claws should end level with the pad and not be too long.

 

Grooming

Grooming your pet on a regular basis gives you an opportunity to look for skin conditions, cuts, abrasions, discharges or parasites. It’s also a great way to bond with your pet.

  • Start grooming your pet from a young age so that they get used to it, you can then build a routine so that it
    becomes a ‘positive event’.
  • Most pet shops stock a wide range of brushes, combs and grooming scissors and they’ll be able to tell you
    what’s best for your breed.

 

Preventing fleas and parasites

There are two types of unwelcome parasites – external and internal. Both can be treated easily if spotted in the
early stages.

  • Fleas and lice – live on the surface of the skin and can be seen when you look closely at your pet’s hair. Look out for thin or bald patches where your pet will have been scratching.
    Treatment - Insecticidal sprays, shampoos and powders can be bought from pet shops and veterinary      surgeries. Always treat the surrounding environment including pet bedding and collars as well your pet’s hair, as this will stop re-infestation.
  • Ticks – cling to your pet’s hair, especially on the legs, head or under-belly and pierce their skin.
    Treatment - Simply dab the tick with an alcohol such as gin or methylated spirit, and wait for a few minutes. Then using tweezers remove the tick, making sure to pull it out completely.
  • Worms – live inside your pet’s body and are slightly harder to detect. Upset bowels, emaciation, fits and
    vomiting are all common symptoms.
    Treatment: Your vet will prescribe a ‘worming’ medication. If you haven’t already got a regular worming routine, they’ll suggest one.

Diet

Getting your pet’s diet right is essential to their health and well-being, and can even impact on their behaviour.

  • There are many types of pet food – dry, canned and fresh – your vet can help you decide on the right food
    for your pet. It’s important to not overfeed them – 30% of dogs in the UK are overweight.
  • Always ensure your pet has an unlimited supply of fresh water.
  • Treats such as hide chews and marrow bones are good for your dog’s oral hygiene. Avoid giving your
    pet chocolate or sugary sweets as these can be toxic.

 

If your vet recommends a special diet in order to treat a condition, we’ll pay up to £250 towards the food. We’ll reimburse you the difference between the normal cost of feeding your pet and what you pay for the diet*.

 

Exercise

All pets need to be exercised regularly, however, the amount depends on their size, age and breed.

  • Always equip your pet with a collar if you’re going to let them run freely. For cats, putting a small bell on it
    will alert prey before they have a chance to catch them.
  • Throwing a ball or Frisbee for your dog is a good form of exercise.
  • If you’re leaving a cat indoors for a long amount of time, give them toys to play with to occupy their mind.
  • Keep your dogs on a lead in a public space, alongside a road or in a field with sheep and livestock.
    • Teach your dog basic commands such as ‘come’ and ‘sit’ from an early age.

If your pet causes an accident or an injury we’ll pay up to £2,000,000 per incident against any money that
you become legally liable to pay as compensation.

 

*Amount payable is per year. Terms and conditions apply.

 

Safety

There are a few simple ways to keep your pet safe, not only for their safety but for yours and that of the general public.

  • Pets are always looking for things to chew on, climb in and jump up on. Always check the house before
    you leave to make sure there are no hidden dangers. Close windows, tidy away electrical cables and close
    washing machine doors.
  • Regularly check your pet’s collar – it should be in good condition and fit properly. Remember pets grow and
    leather collars can become looser over time – you should always be able to fit two fingers underneath
    the collar.
  • It’s important to tag or microchip your pets, in case they get lost or even stolen. Include your name and your telephone number so that you can be easily contacted.

If your pet goes missing, we’ll pay up to £1,000 per year towards the cost of local advertising and up to
an additional £1,000 per year towards a reward.

Behaviour

Instilling good behaviour should start from an early age so that your pet knows the boundaries. You, your visitors and members of the public should never feel intimidated by your pet’s behaviour.

  • You have to set the boundaries – your pet needs to know that you are the boss.
  • Reward desirable behaviour from the start, gradually your pet will learn right from wrong.
  • You must not encourage bad behaviour. Don’t allow your dog to jump up at people, bark excessively, beg
    for or steal food, pull on the lead or chase cyclists.
  • Dog training classes are essential if you have not owned a dog before. Your vet will be able to recommend
    classes to you.
  • Pets are territorial, they will often mark out their area either by urinating, scratching or rubbing against objects. Train your pets to urinate outside or train indoor cats to use litter trays. Providing cats with scratch posts will stop them scratching your furniture.

We’ll pay up to £1,000 per year for complementary treatments carried out by either your vet or a specialist
under the direction of a vet. This includes £250 towards the cost of treatments for behavioural problems.