John Lewis Pet Insurance Reviews, Features, Pros & Cons

John Lewis Pet Insurance Reviews, Features, Pros & Cons

Are you a lover of pets, or do you have a pet that needs a reliable pet insurance company? Then this article is for you. John Lewis Pet Insurance is an insurance company you’d love for your pets as they provide excellent insurance coverage. Read this article to enlighten you on everything you have to know about John Lewis Pet Insurance.

John Lewis Pet Insurance; An Overview

A British institution known as John Lewis insurance is a department store, established in 1864. The John Lewis is well-known and highly regarded. It currently provides financial services like house, pet, and auto insurance.

John Lewis Finance offers six pet insurance cover levels, with vet expense coverage ranging from £2,000 to £12,000. Each is a lifetime policy.

There is a Vetfone helpline that is available around the clock.

The lifetime nature of John Lewis vet fee insurance means that the vet fee cover limit is reset each time you renew, allowing it to cover recurring ailments and conditions for the whole of your pet’s life.

John Lewis, which began as a shopping center, has become a reliable brand both about quality items and client attention. These days, they offer various financial services and products, including pet insurance. So, will they provide the level of care we’ve come to expect for your pets’ insurance?

Dogs and cats are the animals that John Lewis insures. Unfortunately, they also only provide lifelong insurance. In other words, they will reimburse you annually if your pet is suffering from a deadly disease. If you upgrade your policy each year, there is no time phrase on the duration of the treatment.

If a claim is paid, they suggest that your premium at renewal could quadruple. Why? They claim that a pet is usually more prone to become unwell again after experiencing a previous illness. This is very frustrating for pet owners who are unsure if they should file a claim.

Once your pet is healthy, you must buy coverage. In the first 48 hours of coverage, policyholders cannot claim vet bills related to an accident, and in the first 14 days of coverage, they cannot claim any alterations in their pet’s health or behavior.

John Lewis Pet Insurance Claiming

For each new accident or illness, you must complete the claim form 90 days from the start of treatment. This is a respectable amount of time (in comparison, several rivals only provide pet owners 60 or 90 days). In addition, they state that if your pet requires continuous care, you can submit new claims every three to six months, along with updated medical records, invoices, and receipts.

They provide three different levels of protection.

Vet fees(per year)Up to £3,000Up to £7,500Up to £12,000
Twenty-four hours vet phone helplineYesYesYes
Dental injury Up to £3,000Up to £7,500Up to £12,000
Behavioural treatmentUp to £250Up to £250Up to £500
Treatment foodUp to £250 Up to £250Up to £250
Complementary treatments(physiotherapy etc)Up to £1 millionUp to £2 millionUp to £3 million
Accidental damageUp to £250Up to £500Up to £750
Lost or stolen petsUp to £500Up to £1,000Up to £1,000
Second pet discount5%5%5%

Talk to your vet if you’re unsure about the coverage you require. Then, if your pet ever needs treatment, they can estimate the cost for you.

From the age of eight weeks, John Lewis will provide pet insurance; there is no maximum age. So, regardless of their age, they will be covered. Anticipate paying high premiums if you cover an elderly animal.

Important Points of John Lewis Pet Insurance

  • Six Lifetime plans are available; they cost $2000, $3000, $5000, $7500, $9,000, or $12,000.
  • 90 days to file claims
  • With no maximum age, lifetime coverage
  • Dental illnesses and injuries are covered (e.g., require checks every year); standard;
  • 93% of claims were settled within five days.
  • When a pet turns nine, the owner may choose an increased excess amount to cover the pet’s medical care cost.

What Exclusion Does John Lewis Pet Insurance Have?

Understanding what isn’t covered is equally crucial so you don’t get a rude surprise if you need to make a claim. The following limitations and exclusions were directly taken from the policy documents of John Lewis.

  • Pre-Existing Conditions such as diseases, injuries, or signs of such conditions existed before the policy began.
  • Pets Less Than 8 Weeks Old – Normally, breeders would fall under this category because puppies and kittens shouldn’t be taken away from their parents before eight weeks.
  • Preventative measures, such as immunizations and flea-and-worm treatments, etc.
  • Costs associated with pregnancy, reproduction, and raising children.
  • Animals are used for commercial purposes, such as racing, attack, and guard dogs.
  • Any disease or illness-like symptoms that occur within the first 14 days.
  • Injury during the First 48 Hours: Illnesses or accidents that follow an accident.

John Lewis Pet Insurance For Older Pet

New plans have no maximum age, so even “older” pets can get Lifetime coverage. In addition, John Lewis will sell their life insurance products for pets. However, senior pet owners should be ready to contribute more to the cost of their medical care. The amount you pay for vet bills increases if your pet reaches the “older” age bracket of 9 years. Older animals’ owners are liable for 20% of the amount of treatment and the fixed excess (once per ailment per year).

When a dog or cat is nine or older, John Lewis considers them “older.” However, it’s also important to note that older pets are not eligible for death by sickness coverage, which means their owners won’t receive a refund for the purchase price in case of an illness or accident-related death.

Key Characteristics of John Lewis Pet Insurance

  • Older Pet Lifetime Cover: Unlike many other insurers, JL will take older pets for their Lifetime plans, albeit they require a greater contribution from the policyholder in the form of a variable excess for older animals.
  • Complementary Medicine: A veterinarian may perform or advise using acupuncture, homeopathy, chiropractic adjustments, osteopathy, physiotherapy, and hydrotherapy.
  • Dental Coverage: Provides coverage for dental diseases and injuries (your veterinarian must physically examine your pet’s mouth once every 12 months).
  • Vetfone Pet owners can call the John Lewis vetfone at any time, day or night, to speak with a UK-trained veterinary nurse (John Lewis vetfone phone number: 0800 316 7119).
  • Travel: The Plus and Premier plans cover pet travel for up to three journeys totaling 60 days each to the EU (countries that are a part of the PETS scheme).
  • Coverage for Holiday: Cut Short Coverage if your pet disappears, dies, must be put to death by a veterinarian, or requires urgent life-saving surgery, forcing you to cancel or shorten your vacation. Within seven days of departure, cancellation is covered for life-saving treatment.
  • You may be eligible for boarding coverage when you are hospitalized for at least four days.
  • Death through euthanasia, cremation, or burial until £150 is covered.

Types Of John Lewis Pet Insurance Policies

Lifetime cover is the only kind of pet insurance that John Lewis provides. The best policies are typically the most expensive because they include coverage for illnesses and accidents/injuries, with vet coverage resetting annually. Up to the annual total vet cover limit, lifetime policies will pay your vet expenditures for recurring or chronic diseases like ear infections year after year.

Although the amount you can spend yearly resets when you renew the policy, you should be aware that the excess also does. Unfortunately, this means you must repay the excess again for each condition you claim yearly.

John Lewis Pet Insurance Purchase Conditions

Only new customers who purchase a dog insurance policy with vet fee coverage of at least £12,000 are eligible for the stated prize. A reduced prize will be given to dog or cat insurance policies covering fewer vet fees. You will receive a greater incentive if you purchase Multi-Pet Insurance coverage. No other department of John Lewis, such as the John Lewis online store, John Lewis Broadband, or Waitrose, will offer incentives to you.

If you take out a policy over the phone, cancel it after 90 days of the start date, use an employee discount, or are an existing customer renewing a policy, no incentives will be provided in any of these circumstances.

Although it occasionally takes longer, rewards are typically confirmed within 90 to 120 days of the policy start date.

Postage, handling, delivery fees, and applicable local sales taxes are not considered for calculating rewards.

John Lewis Pet Insurance Contact Information

Calls and renewals to 0330 102 2745

8 am to 8 pm on weekdays. Sunday is closed; Saturday, 9 am to 5 pm.

vetfone® support line

0800 316 7119

Expert guidance twenty-four hours, 365 days a year

Frequently Asked Questions

Does John Lewis Pet Insurance cover my pet?

Your cat or dog may be qualified for John Lewis Pet Insurance if they are at least eight weeks old. Although there is no maximum age, there may be other situations where we cannot offer coverage. Please see the list of dog breeds that we cannot ensure below.

During the first 48 hours following an accident and the first 14 days after taking out a policy, you are not eligible to claim any changes to your pet’s health or behavior.

Does the John Lewis Pet Insurance cover pre-existing conditions?

No, they do not cover diseases or injuries that occur before your insurance starts, like most pet insurers. For this reason, you must think of getting pet insurance once you bring your pet home to prevent coverage gaps.

What is lifelong coverage?

Lifetime Cover ensures that both ongoing illnesses and one-time accidents are covered for your pet. As long as the insurance is renewed and there is no interruption in coverage, there is no maximum length of treatment.

A lifetime policy provides complete coverage than a maximum benefit or time-limited policy because you can claim medical care each year you have the policy, up to the vet fee you’ve chosen.

It is the only cover we provide because of this.

Does insurance cover vaccination?

No. Their insurance does not cover vaccinations because they are considered standard medical treatments. However, adhering to your pet’s vaccination schedule is essential since they do not provide coverage for illnesses that vaccinations can prevent if they are out of date.

Which dogs are not covered by John Lewis Pet Insurance?

They’d watch out for every dog if it you bring it to them. However, there are some things they can’t do lawfully. We are unable to cover the following “types” of dogs, whether they are purebred, mixed-breed, or crossbreeds:

  • Bull Pit
  • American Tosa
  • Argentina Dogo
  • Brazilian Fila
  • English Bulldog

Also not covered by us are the following:

  • Hybrid wolves
  • Competing dogs
  • Security or guard dogs
  • Canines used in racing
  • Usage of dogs in any line of work, profession, or company
  • Dogs bred for use as pets
  • Dogs with aggressive, biting, or attacking behavior have drawn complaints
  • Canines that have been involved in an accident or legal dispute


We have covered the different policies under John Lewis Pet Insurance, its purchase policy, and why you need to insure your pet with them. Trust your pet insurance with them, and you won’t be disappointed. A trial will convince you.

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