What is Lifetime Cover?
There are different types of pet insurance available. Some cap the total amount you can claim for each condition, others limit you to a year of treatment for a condition.
Pet insurance from John Lewis only offers lifetime covers. This means, if you’re insured with us, you could claim for a one-off mishap such as a cut paw or an illness such as diabetes which needs treatment every year, or both.
As long as you renew your policy each year and there is no break in cover, we won’t put a time limit on how long treatment can last and we’ll pay up to your chosen vet fees limit each year. This means if your pet develops a reoccurring or ongoing condition like diabetes or arthritis while insured with us, you can continue to claim for that condition up to the vet fee limit in each year.
We offer three levels of cover so you can choose the level of veterinary fees you’ll have to use for the treatment your pet needs.
Your price will increase at renewal, because as your pet gets older they’re more likely to get ill, and also when a claim has been paid. New developments in diagnosis and treatments mean vets can provide even better care but this also means that vet costs have risen.
If your pet is aged nine or over, your excess will increase.
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 | |||
| vetfone™ helpline – 24 hour advice from veterinary 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 £1,000 | up to £2,000 |
| Third party liability (dogs only) | up to £1m | up to £2m | up to £3m |
| Accidental damage – damage to other people’s property | up to £250 | up to £500 | up to £750 |
| Lost or stolen pets | up to £500 | up to £1,000 | up to £1,500 |
*Cover forms part of vet fees**As long as your policy is renewed and your premiums are paid/up to date.