JOHN LEWIS PET INSURANCE
Fully trained vetfone™ nurses are here for you 24/7
Up to £12,000 vet fees cover each year
YOU CAN CALL
DAY OR NIGHT
✔ Behavioral therapy cover ✔ Lost and stolen cover ✔ Complimentary treatment cover ✔ Emergency dental care cover following an accident
Defaqto 5 Star Ratings applies to Plus and Premier Pet Insurance only
You have our word
Pets don’t know what office hours are, so it’s a bit much to expect them not to become ill outside 9 to 5. That’s why we give you round-the-clock access to the freephone vetfone™ helpline. The moment that tail stops wagging, a fully trained veterinary nurse is only a call away.
We can also support you when it comes to treatment foods, complementary therapies and the cost of looking for a lost or stolen pet. If they’re going everywhere but the litter tray and your vet suggests some behaviour training, that’s covered too.Get a quote
The cost of looking after your pet’s health doubles every four to five years. That’s why your renewal price increases each year and your excess will increase when your pet turns nine, if a claim is paid, the price you will pay next year can double. It’s important you budget for renewal prices to increase as your pet gets older, there is no limit to how much your renewal price can increase over time. For new customers purchasing online. Minimum premiums apply. Discount includes web and partner discounts. Discounts are applied consecutively.
FOR YOUR DOG
Choose from three levels of cover, which all include vet fees, emergency dental care (due to injury) and third-party liability if your dog causes damage to others.
FOR YOUR CAT
Insure your cat with us and get emergency dental care (due to an injury) and cattery fees, because we know they mean the world to you.
We always offer lifetime covers
Pet Insurance from John Lewis Finance only offers lifetime covers. This means your pet is covered for ongoing conditions as well as one-off mishaps with no limit to the length of treatment, as long as the policy is renewed with us and there is no break in cover.
Like us, as pets get older, sadly they’re more likely to get ill. In fact our claims data shows that the cost of looking after your pet’s health doubles every four to five years. That’s why your renewal price increases each year and your excess will increase when your pet turns nine, even if you haven’t had to make a claim.
Unfortunately, once a pet has been taken ill, in general they’re more likely to get ill again. That’s why, if a claim is paid, the price you will pay next year can double.
It’s important you budget for renewal prices to increase as your pet gets older. How much they go up is different for everyone and depends on things like your pet’s breed, their age and health, and there is no limit to how much your renewal price can increase over time.
Cover levels
| Essential | Plus | Premier | |
Vet fees – treatment limit per year** | up to £3,000 | up to £7,500 | up to £12,000 |
| Lifetime cover** | ✔ | ✔ | ✔ |
| VetfoneTM helpline – 24 hour advice from vetinary nurses | ✔ | ✔ | ✔ |
| Behavioural treatment* | up to £250 | up to £250 | up to £500 |
| Treatment food* | up to £250 | up to £250 | up to £250 |
| Complementary treatment – such as physiotherapy* | up to £500 | up to £1000 | up to £2000 |
| Third party liability (dogs only) | up to £1m | up to £2m | up to £3m |
| Cattery cover (cats only) | up to £1,000 | up to £1,500 | up to £2,000 |
| Accidental damage – damage to other people’s property | up to £250 | up to £500 | up to £750 |
| Lost or stolen | up to £500 | up to £1,000 | up to £1,500 |
| Second pet discount | 5% | 5% | 5% |
*Cover forms part of vet fees
**As long as you renew your policy with us and there is no break in cover.
WE PAY 95%
OF CLAIMS WITHIN 5 DAYS
Payments can be made direct to you or your vet practice subject to vet agreement, excess applies.
Claims data from September 2026 – December 2026
Compare our cover
| John Lewis PREMIER | Animal Friends Prestige | M&S Bank Premier | SAGA Super | |
| Vet fees – treatment limit per year | up to £12,000** | up to £6,000 | up to £7,000 | up to £5,000 |
| Third party liability (dogs only) | up to £3m | up to £2m | up to £2m | up to £2m |
| Lost or stolen | up to £1,500 | up to £1,500 | up to £1,500 | up to £2,000 |
Source: John Lewis Finance internet survey 31 March 2026, based on insurer direct websites, excludes optional extras.
Caring for your pet
REASONS TO INSURE
OUR PARTNER
We’ve carefully selected Royal & Sun Alliance Insurance plc to underwrite
Pet Insurance from John Lewis Finance.
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 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. 202623).