Dog Insurance
If you love dogs, you’ll want to give them the best care
Lifetime cover when you renew your policy with no break
Up to £12,000 vet fee limit
£2m cover for third party liability
*Based on website data between January 2026 to June 2026. Terms, policy limits, excesses and exclusions apply.
Defaqto 5 Star Rating applies to vet fee limits of £5,000, £7,500, £9,000 & £12,000Why choose a John Lewis Money policy?
We offer John Lewis Money Dog Insurance as a lifetime policy, which means it insures your dog for new illnesses and injuries from the time you take out the policy. It’s packed with benefits to help you keep on top of your pet’s health, including six different levels of vet fee cover. There’s also a 5% discount if you have more than one pet to insure with us.
Perks for your dog's well-being
Vet assistance when you need
With vetfone™, you’ll have 24/7 access to veterinary nurses for pet health advice.
Third party liability cover
Cover for legal costs or damages you may be liable to pay if your dog causes an accident or injury.
Kennel fees
You can claim up to £1,500 in kennel fees if you cannot look after your dog due to personal injury or illness that results in a hospital stay for more than 48 hours.
What’s included with John Lewis Money Dog Insurance?
Depending on the level of cover you choose, your dog’s vet fees will be covered up to £12,000 including overseas. We also cover complementary and physiotherapy treatment recommended by your vet, and up to £12,000 for dental treatment.
Cover detail | Lifetime |
|---|---|
Vet fees limit | Up to £12,000 |
Treatment period | Unlimited |
Complementary & physiotherapy treatment | Up to £1,500 |
Overseas veterinary treatment | Up to £12,000 |
¹Dental treatment | Up to £12,000 |
Death from accident, injury or illness | Up to £1,500 |
Third party liability | £2m |
Death from accident, injury or illness | Up to £1,500 |
Cremation & burial costs | £200 |
Advertising & reward | £500 |
Theft or straying | Up to £1,500 |
Kennel fees | Up to £1,500 |
Holiday cancellation | Up to £3,000 |
Quarantine costs | Up to £2,000 |
Loss of health cert | £500 |
Emergency expenses abroad | £500 |
Do you need dog insurance?
Even if your dog seems fit and healthy right now, you never know when something might happen and land you with an unexpected vet bill. And once your pet has had a particular illness or injury, it won’t then be covered by most policies that are taken out afterwards. Taking out an insurance plan as early on as possible in your dog’s life can help you manage your finances and ensure your dog has access to the care it needs, when it needs it most.
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.
Save money with a multi-pet discount
Lots of pets in the family? You can add multiple pets to one policy to get a 5% discount on your premium. That means your one cat insurance policy can work for several kittens.
Cat insurance
If you love cats, we’ve got a policy for them too, including up to £1,500 cover for cattery fees and a £500 advertising & rewards payment if your cat goes missing.
We have a range of guides that may answer some questions you have about insurance for dogs
Insurance for older dogs
We explain how pet insurance changes as your dog ages, helping you care for them in their twilight years.
Signs your dog is in pain
It can be difficult to spot the signs your dog is in pain, they can’t tell us what’s wrong.
Dog Insurance FAQs
When should I insure my puppy?
Taking out dog insurance as early as possible can help you prepare for any unexpected illnesses or injuries. For most dog breeds, new policies are available from 8 weeks. Refer to our FAQs to check if your breed is covered by our pet insurance.
Does dog insurance include my puppy’s vaccinations?
Pet insurance doesn’t usually cover vaccinations as they are considered to be routine. It’s important to keep your dog’s vaccinations up to date for their own safety. If your pet's vaccinations are not up to date, we won't cover illnesses that could've been prevented by them.
Does dog insurance include neutering or spaying?
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.
What are common health conditions for dogs?
Dogs are vulnerable to illness, just like us or any other animal. Naturally, certain breeds are predisposed to specific conditions. Old age can also bring different challenges, like arthritis and cataracts.
Understanding these realities is why John Lewis Pet Insurance offers lifetime cover. That means the length of treatment your dog receives won't be limited, as long as your policy remains with John Lewis and there’s no break in cover.
Will I pay more when my dog gets older?
With us, your dog can receive lifetime cover. This means they’re covered for ongoing conditions, as well as one-off mishaps. The cost of your premium is likely to increase over time.
How much this goes up varies for everyone and depends on various factors like your pet’s breed, age and health. It’s normal to expect the cost of your premium to increase as your dog ages. If a claim is paid out on your policy, your premium could more than double at renewal time.
Make sure to check whether a new policy covers pre-existing conditions, and if it has any exclusion periods. These can include the following:
Health issues
Health concerns
Illnesses and injuries which developed or are showing signs of developing, which you or your vet were aware of before taking out the policy.
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.