Click here to see full benefit table
Click here to see full benefit table
Pet Insurance
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The benefits on this page apply to policies taken out after 10 July 2022. See your policy documents for full benefits and exclusions. |
28.9% APR representative (variable).
Credit subject to status. 18 years+. UK residents. T&Cs apply.
A policy that puts your pets first
Pets bring so much joy to our lives, so naturally we want the best care for them. That’s why John Lewis Pet Insurance is only available as a lifetime policy.
It’s a reassuring standard of cover that comes with a wide range of benefits. All policies include the 24/7 vetfone™ helpline and quick and easy online claims. There are six levels of vet fee cover available to suit the needs of you and your pet.
Get Pet Insurance, get extra rewards
We’re offering you extra points on your Partnership Credit Card when you take out a new John Lewis Pet Insurance policy before 31 January 2025. Use promo code JLPET and you could earn up to 5,000 bonus points – that’s £50 in gift vouchers. Full Terms and Conditions apply, see here for how and when you will get your points.
The points you receive are dependent on the level of vet fee cover limit you choose:
£5,000 = 2,000 extra points (£20 in gift vouchers)
£7,500 = 3,000 extra points (£30 in gift vouchers)
£9,000 = 4,000 extra points (£40 in gift vouchers)
£12,000 = 5,000 extra points (£50 in gift vouchers)
Please note: £2,000 and £3,000 vet fee cover level policies are excluded from the offer.
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John Lewis Pet Insurance benefits
Annual Online Health Check
From home, or wherever you choose, you can hold an annual consultation with a vet expert at vetfone™. It’s a convenient service that complements your normal vet check-up. The vet experts can help you spot any potential health issues with your pet.
Learn more about annual health checks
Lifetime cover
If your pet develops a long-term illness, there’s no limit to how long you can claim for their treatment. As long as your policy is renewed with us and there’s no break in your cover, you can continue to claim.
Learn about lifetime cover
24/7 vetfone™ helpline
Got a question about your pet's health or behaviour? Call the freephone vetfone™ helpline for expert advice. It comes as part of your policy and you can use the service as often as you want.
Read more about vetfone™
| Vet fees - treatment limit per year | Up to chosen vet fee limit |
| Lifetime cover3 | ✔ |
| vetfoneTM helpline - 24 hour advice from veterinary nurses | ✔ |
| Behavioural treatment4 | up to £300 |
| Treatment food4 | up to £300 |
| Complementary treatment - such as physiotherapy4 | up to £1,500 |
| Third party liability (dogs only) | up to £2m |
| Boarding kennel and cattery fees | up to £1,500 |
| Dental cover | Up to chosen vet fee limit |
| Lost or stolen | up to £1,500 |
| Multi-pet discount | 10% |
3As long as you renew your policy with us and there is no break in cover
4Cover forms part of vet fees
What's not included with John Lewis Pet Insurance?
Treatment for any pre-existing medical conditions
Vet fees following an accident in the first 48 hours of your cover start date
Changes to your pet's health or behaviour in the first 14 days of your cover start date
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Pet Insurance with six levels of vet fee cover
We understand every owner's situation is different. But this shouldn't affect the quality of the care your pet has access to. You can choose a level of vet fee cover that suits your pet's needs when you get a quote. Whatever level you choose, you will still receive the full range of benefits.
There are six levels of vet fee cover options available:
Plus we offer excess options to suit your budget. This can help you reduce your premium costs without any loss of cover:
Increase your excess on claims – you can choose an excess fee (ranging from £60 to £500) to pay each time you claim. By paying more when you claim, it enables us to bring your annual premium down.
Contribute to your vet fees – if your pet is under nine years old, there is a voluntary option to pay 10% or 20% of the vet treatment costs. This is in addition to your chosen excess amount and it can reduce the cost of your premium payments.
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Got a new pet?
We've put together a series of guides to help you love life with your new furry friend.
Protecting your dog
Providing cover for kennel stays, dental treatments and third-party liability cover up to £2 million.
Protecting your cat
Providing cover for cattery stays, dental treatments and funds to help find them if they’re lost.
Save money with a multi-pet discount
Lots of pets in the family? You can add multiple pets to one policy to get a 10% discount on your premium. That means your one pet insurance policy can work for several furry friends.
Questions about pet insurance
If your cat or dog is at least eight weeks old, they could be eligible for John Lewis Pet Insurance. There is no upper age limit, but there could be other circumstances where they couldn’t be covered.
Once you've taken out a policy, you’re not able to claim for vet fees as a result of an accident in the first 48 hours. You also can't claim for any changes in your pet's health or behaviour in the first 14 days of cover.
Pet insurance doesn’t typically cover the cost of neutering because it is a preventative treatment.
A range of factors that affect your premium and cover are considered, including:
Your pet’s breed
Where you live (vet prices may vary across the country)
The age of your pet. Older pets are more likely to need medical treatment. Whereas very young animals may not have fully developed immune systems.
Claims on your policy
John Lewis comprehensive pet insurance provides cover for accidental dental care and illness. This include tooth decay, gum disease and post-illness teeth removal.2
If you are an existing customer, check your policy document to see if this benefit is included.
Pet insurance doesn’t usually cover vaccinations as they are considered to be routine. It’s important to keep your pet’s vaccinations up to date for their own safety. If your pet becomes unwell and needs treatment because they have missed a vaccination, you may not be able to make a claim.
If you have a John Lewis Pet Insurance policy, select the relevant link below to view and print your policy documents.
If your policy ID starts with RSAP and you first bought your policy on or after 10 July 2022,
or you're not yet a customer:
If your policy ID starts with RSAP and you first bought your policy before 10 July 2022:
Summary documents:
Our Partner
We’ve carefully selected Royal & Sun Alliance Insurance Ltd to underwrite
Pet Insurance from John Lewis Finance.
1Customers with an open Partnership Credit Card account purchasing a new John Lewis Pet Insurance policy via johnlewisfinance.com, using promo code JLPET, in accordance with the terms and conditions between 00:01 on 1st June 2024 and before 23:59 31st January 2025 will be eligible to receive up to 5,000 Partnership Credit Card points, based on the tier of vet-fee cover chosen. Promo code JLPET must be used to take advantage of the offer. Offer not available in conjunction with any other offers on Price Comparison websites or Affiliate websites. Excludes renewing customers. The Partnership Credit Card points will be only applicable to Primary Credit Cardholder and points will be applied to the account within 90 days of the policy start date. Points are redeemed automatically as John Lewis and Waitrose gift vouchers in February, June and October each year (where the points balance is at least 500 points). Full terms and conditions apply, and can be found at johnlewisfinance.com/petterms.
2For dental care up to your chosen vet fee limit we will pay;
1. For teeth or gums damaged in an accident,
2. If an underlying illness causes tooth decay or gum disease, or
3. To remove teeth as treatment of an illness which is not gum disease or tooth decay.
If your pet has a dental check every 12 months: once it has had its first check and your vet has done any necessary work, additionally we will pay;
1. If your pet suffers from tooth decay or gum disease before the next 12 month check.
2. If tooth decay or gum disease is found at the time of the next check.
John Lewis Finance and John Lewis Insurance are trading names of John Lewis plc. The John Lewis Registered office address is: 171 Victoria Street, London, SW1E 5NN. Registered in England and Wales no. 233462. John Lewis plc is an appointed representative (Financial Conduct Authority number 416011) of Royal & Sun Alliance Insurance Ltd. John Lewis Pet Insurance is underwritten by Royal & Sun Alliance Insurance Ltd (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).
John Lewis plc is a credit broker and not a lender, introducing the Partnership Credit Card under exclusive arrangements with the lender NewDay Ltd. John Lewis Finance is a trading name of John Lewis plc, registered in England with company number 233462, registered office: 171 Victoria Street, London, SW1E 5NN. Authorised and regulated by the Financial Conduct Authority (FRN 724309). Credit is provided by NewDay Ltd, a company registered in England and Wales with registered number 7297722, registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (Ref no: 555318) for the provision of payment services.
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