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Buying guide

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

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).

Most policies don't cover routine check-ups and treatment for pre-existing medical conditions. You need to check your policy carefully to see what exclusions it might contain.

Pet Insurance covers a lot more than just vet’s fees. For example, a John Lewis Pet Insurance policy covers the following treatments for your pet:

  • Physiotherapy
  • Hydrotherapy
  • Dental care
  • Behavioural treatment
  • Treatment food

John Lewis Pet Insurance can also help with costs if your pet goes missing or is stolen. You’re covered for up to £1,000 towards advertising and rewards. Our policy then provides compensation if you have our Plus or Premier Cover and have to cancel a holiday because of the loss or illness of a pet.

Other extras include emergency kennels and cattery care for your pets if you have to go into hospital.

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.

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