John Lewis Pet Insurance: What You Need to Know

John Lewis Pet Insurance ensures your furry friends are covered in case of the unexpected. You’ll learn about policy options, coverage details, claim processes, and maximizing your benefits. 

This article equips you with essential facts to make an informed decision.

John Lewis Pet Insurance: What You Need to Know
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Overview of John Lewis Pet Insurance Plans

John Lewis Finance is a financial services provider in the UK known for its trusted brand name and customer service. Its Pet Insurance offers various plans to cover your pets’ health needs. 

The plans range from basic to comprehensive, John Lewis dog insurance and John Lewis cat insurance, covering vet fees for accidents, illnesses, and even third-party liability.  

There’s a choice of annual or lifetime cover, with various levels of vet fee cover available. Some plans include extras like dental care or cover for travel abroad.


To apply for John Lewis Pet Insurance, you follow these steps:

  1. Visit the John Lewis Finance website.
  2. Navigate to their pet insurance section.
  3. Choose the type of pet you have and click on ‘Get a quote’.
  4. Fill in the required details about your pet, such as age, breed, and medical history.
  5. Review the different plans and coverage options available.
  6. Select a plan that fits your needs and budget.
  7. Complete the application process by providing your personal details.
  8. Decide if you want to pay monthly or annually.
  9. Review all the information, accept the terms and conditions, and submit your application.

Once submitted, you’ll usually receive confirmation and your policy details via email.

How to Choose the Right Policy for Your Pet

Choosing the right John Lewis Pet Insurance policy for your pet involves:

  • Assessing your pet’s needs based on breed, age, and existing health conditions.
  • Deciding on the level of coverage you want, considering the trade-off between premiums and out-of-pocket expenses.
  • Looking at the policy’s inclusions, like accidents, illnesses, dental care, and whether it offers lifetime coverage.
  • Checking exclusions to avoid surprises when you make a claim.
  • Considering the vet fee limit and whether it’s per condition or annual.
  • Reviewing customer feedback and experiences with the policy.
  • Comparing policies from different providers for the best value.
  • Reading the fine print for details on waiting periods and policy limits.

Prioritize your pet’s most likely needs to ensure they’re covered.

Understanding the Coverage: What’s Included and What’s Not

John Lewis pet cover offers six levels of vet fee coverage, ranging from £2,000 to £12,000. Here’s what’s typically included and what’s not:


  • Vet fees: Various treatment limits per year depending on the chosen level.
  • John Lewis lifetime pet insurance cover options are available.
  • The VetfoneTM helpline gives you 24-hour access to veterinary nurses.
  • Coverage for behavioral treatments can be part of your plan.
  • Treatment food that’s prescribed by a vet may be covered.
  • Complementary treatments like physiotherapy could be included.
  • Third-party liability is offered for dog owners.
  • If you need to stay in the hospital, boarding fees for kennels or catteries are covered.
  • Dental cover might be part of your policy.
  • A lost or stolen pet can have specific coverage.
  • Discounts may apply when insuring multiple pets with John Lewis multi-pet insurance.

Not Included:

  • Pre-existing medical conditions are not covered.
  • Vet fees due to an accident are not covered within the first 48 hours.
  • No coverage for changes to your pet’s health or behavior in the first 14 days.

It’s vital to review the terms for the specific level of cover you consider to understand all inclusions and exclusions.

Step-by-Step Guide to Filing a Claim

Here’s how to file a claim with John Lewis Pet Insurance:

  1. Notify: Contact John Lewis Pet Insurance as soon as possible after the incident or discovery of the illness.
  2. Claim Form: Request a claim form or download it from their website.
  3. Vet Report: Have your vet complete their section of the claim form and provide any necessary medical reports or invoices.
  4. Complete Your Section: Fill out your part of the form with accurate information regarding the claim.
  5. Documentation: Attach any additional supporting documents required by your policy.
  6. Review: Double-check all the information to ensure accuracy and completeness.
  7. Submit: Send the claim form and all supporting documents to the address or email provided by John Lewis Pet Insurance.
  8. Confirmation: Wait for a confirmation that your claim has been received.
  9. Follow-Up: If needed, follow up on your claim’s status after a few weeks.

It’s essential to act promptly and provide all required documentation to ensure a smooth claim process. It ensures that your claims are paid within 5 days.

Tips for Maximizing Your Policy Benefits

Maximizing your John Lewis Pet Insurance benefits involves:

  1. Understand Your Policy: Know what’s covered, the limits, and how to claim.
  2. Annual Check-Up: Regular vet visits can prevent issues that aren’t covered by catching them early.
  3. Keep Records: Maintain detailed vet records and receipts for all treatments.
  4. Vaccinations Up-to-Date: Ensure your pet’s shots are current, as some policies require this.
  5. Prompt Claims: File claims quickly, adhering to policy timelines.
  6. No Gaps in Cover: Renew on time to avoid periods without coverage.
  7. Use Helplines: Utilize vetfone™ for advice before incurring unnecessary costs.
  8. Review Annually: Assess your policy each year to see if it still fits your needs, and also review John Lewis Pet Insurance reviews.

Which makes John Lewis Pet Insurance adequate and what’s not? 

John Lewis Pet Insurance is adequate if you’re looking for comprehensive options with different levels of vet fee coverage that suit various needs, including lifetime coverage. 

It’s good if you want a 24/7 vet advice line and coverage for multiple pets. May include behavioral treatments and complementary therapies, which are not always covered by other insurers. 

However, it may not be the right choice if your pet has pre-existing conditions, as these are not covered. 

The policy is also less suitable if you’re looking for immediate coverage for accidents, given the 48-hour waiting period, or for any health changes that occur during the first 14 days of the policy.


John Lewis Pet Insurance offers a robust range of options suitable for various pet owners looking for reliable coverage. 

With different levels of vet fee cover, including lifetime policies, and added benefits such as a 24/7 veterinary helpline, it can be a strong contender in the pet insurance market. 

John Lewis Pet Insurance is a comprehensive choice for those who don’t require coverage for pre-existing conditions and are okay with the initial no-claim periods.