Pet Insurance
Looking after what you love
Get a 5% multi-pet discount on your premium
Claims can be paid direct to your vet
24/7 access to expert surgeons & vets with vetfone™
*Based on website data between January 2026 to June 2026. Terms, policy limits and exclusions apply.
Defaqto 5 Star Rating applies to vet fee limits of £5,000, £7,500, £9,000 & £12,000Why John Lewis Pet Insurance?
Benefits to keep tails wagging
John Lewis Money Pet Insurance helps you pay for the treatment your furry family members need, as well as giving you access to vetfone™, at a price that suits your budget.
Six levels cover to suit your budget
With six levels of vet fee cover and various excess options, you can select what best suits your budget.
5% multi-pet discount on your premium
Lots of pets in the family? If you have multiple policies you’ll get a 5% discount on each premium.
What’s included in our pet insurance policy?
Dental treatment¹
Cover for dental conditions and dental treatment as a result of accidental injury (terms apply).
24/7 vet assistance
24/7 access to veterinary nurses for pet health advice, whether it’s a quick diet query or late-night emergency.
Lifetime cover
As long as you renew and there's no break in cover, there’s no limit to how long you can claim for treatment.
Treatment foods
25% off prescribed foods, up to a maximum of 6 months per condition, per policy year. Exclusions apply.
Kennel and cattery fees
Claim up to £1,500 in kennel and cattery fees if you’re hospitalised for more than 48 hours due to an injury or illness.
Vet fees
If your pet becomes ill, injured or needs treatment from a vet, this part of your cover will help pay for any vet fees.
Complementary & physiotherapy treatment
You will be covered for any physiotherapy or complementary treatment your vet recommends, up to the maximum benefit.
Holiday cancellation
If you cancel your trip within seven days of departure or cut it short, we will cover some of the costs for you and your family.
Third party liability
If your dog causes an injury, death, or damages property, we’ll pay up to the maximum benefit for legal costs, if you are held responsible.
We offer both Dog & Cat insurance
Our six levels of vet fee cover and excess options are for both dogs and cats, and offer a 5% multi-pet discount.
Dog insurance
Make sure your furry friend is taken care of with lifetime cover from John Lewis Money.
Cat insurance
Your feline companion will be in good hands with lifetime cover from John Lewis Money.
What we don't cover
Pre-existing conditions
We cover new injuries and illnesses, but you're not able to claim vet fees for accidents that happen in the first 3 days, or illness within the first 14 days of your policy (unless you can show that your previous policy runs up to your start date with us).
Outside the EU
Claims for any event outside of the UK, EU, Channel Islands or the Isle of Man aren’t covered.
Need some advice about your dog or cat? Our guides below may be able to help
Benefits of a pet camera
If you are worried about leaving your pet for a few hours, you can easily keep an eye on them using a pet camera.
Neutering your pet
Neutering has many benefits for you and your pet beyond preventing unwanted litters.
Flea and tick prevention
Learn how to spot them, treat them, and prevent them from coming back.
Pet Insurance FAQs
What is the difference between lifetime, maximum benefit and time limited pet insurance?
Lifetime cover means your pet will be continuously covered for chronic or recurring illnesses, so long as you renew the policy every year. This type of cover is the only one available when you buy directly from us. Maximum benefit and time-limited cover are available via price comparison websites.
Maximum benefit refers to the maximum benefits we’ll pay for each condition covered under your policy (shown in your certificate of insurance). After this, we won’t make any further claims payments for that condition or any bilateral, recurring or related conditions.
Time-limited cover is when each condition is only covered for 12 months calculated from the first date of treatment or until the maximum benefit is paid for that condition, whichever occurs first. The maximum benefits we’ll pay for each condition are shown in your certificate of insurance. After this, we won’t make any further claims payments for that condition or any bilateral, recurring or related conditions.
Is my pet eligible for John Lewis Pet Insurance?
If your cat or dog is at least 8 weeks old, they could be eligible for John Lewis Pet Insurance.
Once you've taken out a policy, you’re not able to claim for vet fees as a result of accidents that happen in the first 3 days or illness within the first 14 days. If you switch to John Lewis Pet Insurance and can show your previous policy runs up to the start date, we can waive the initial exclusion periods for you.
Does pet insurance cover vaccinations?
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.
Does pet insurance cover neutering?
No. These routine procedures don’t involve treating your pet for illness or injury, so aren't covered by our policy. However, if your vet recommends neutering/spaying to treat a condition (e.g. Pyometra or testicular tumour), the cost of this can be covered.
Where can I find my policy documents?
If your policy number starts with ‘PETJL’, you can view your policy documents online by logging into the Pet Portal.
For customers with a policy number starting with ‘RSAP’, you can find your documents below.
Policy documents, all in one place
Choose when your policy started to view all the information for your pet insurance.
Customers serviced by Royal Sun Alliance (bought between 10 July 2022 and 30 November 2025)
Customers serviced by Royal Sun Alliance (bought between 24 July 2012 and 9 July 2022)
Customers serviced by Royal Sun Alliance (bought on or before 23 July 2012)
1The cost of treatment for a dental condition and any related conditions are covered, so long as:
There is a history of annual check-ups. If not annual, then as recommended by your vet. Proof is required that any advice given has been followed within 6 months; and
The treatment is to relieve suffering due to illness.
The cost of dental treatment as a result of an accidental injury.
For more details, see our policy documents.
Pet Insurance through John Lewis is subject to eligibility. Terms and conditions apply.
John Lewis Money and John Lewis Finance are trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (Registered company number: 233462).
John Lewis Plc is an introducer appointed representative of Pinnacle Insurance Ltd which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH. John Lewis Pet Insurance is a trading style of and arranged, administered & underwritten by Pinnacle Insurance Ltd. John Lewis Plc and Pinnacle Insurance Ltd are not part of the same corporate group.